2000 Oldsmobile Silhouette Car Insurance Rates – 10 Policy Discounts

Want better car insurance rates for your Oldsmobile Silhouette? Shopping for the most affordable car insurance over the internet may be problematic for consumers not familiar with buying insurance on the web. Since there are so many companies competing online, how can consumers effectively compare them all to find the best pricing?

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. This article will instruct you on the most effective way to quote insurance and some money-saving tips. Nevertheless, car owners do need to learn how big insurance companies price insurance differently and use this information to your advantage.

Insurance Coverage Comparison Rates

When shopping for insurance coverage there are multiple ways to compare rate quotes and find the best price. By far the easiest way to find competitive 2000 Oldsmobile Silhouette insurance rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

  • One of the best ways consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating multiple quote forms for every insurance coverage company. In just a few minutes this one form will return quotes from insurance coverage companies with the best prices. This is perfect if you don’t have a lot of time.
  • Another way to compare prices requires a trip to the website of each company and complete a new quote form. For sake of this example, we’ll assume you want to compare rates from Nationwide, GEICO and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The most time-consuming way to get comparison rates is to waste gas driving to different agent offices. Shopping for insurance coverage online has reduced the need for local agents unless you want the professional advice of a local agent. Drivers can find lower rates online and still use a local agent and we’ll talk about that later.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same quote information for every quote you compare. If you use different deductibles you will not be able to truly determine the lowest rate. Slightly different limits may result in large price differences. Keep in mind that quoting more gives you a better chance of getting a lower rate.

Verify you’re getting all your discounts

Auto insurance companies don’t always advertise every available discount very well, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • E-sign – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Silhouette coverage than drivers with accidents.
  • 55 and Retired – Older drivers may qualify for better car insurance rates on Silhouette coverage.
  • Accident Forgiveness – A few companies permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Resident Student – Youth drivers who are attending college and don’t have a car can receive lower rates.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

To see a list of insurers who offer car insurance discounts, click this link.

When should I talk to an agent?

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Where can I find high-risk insurance?
  • How much liability do I need to cover my assets?
  • Where can I find DUI or SR-22 insurance?
  • When would I need additional glass coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • What is the minimum liability in my state?
  • What is the rate difference between pleasure use and commuting?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is roadside assistance coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Oldsmobile Silhouette.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for short-term medical expenses such as EMT expenses, pain medications, ambulance fees and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, vandalism, rock chips in glass, fire damage and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage – Liability insurance can cover damage that occurs to other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like emergency aid, attorney fees, repair bills for other people’s vehicles, medical services and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, driving through your garage door, sideswiping another vehicle, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Shop. Compare. Save.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced comprehensive coverage or liability limits only to find out that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

You just read a lot of ways to shop for 2000 Oldsmobile Silhouette insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the biggest savings come from the smaller companies.

Cheap insurance can be purchased online as well as from independent agents, and you need to comparison shop both to have the best selection. A few companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

For more information, feel free to browse the following helpful articles: