1993 Oldsmobile Silhouette Car Insurance Rates – 9 Ideas for Cheaper Quotes

Trying to find lower auto insurance rates for your Oldsmobile Silhouette? Pretty sure you bought an overpriced auto insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their auto insurance policy. Companies like Geico, Progressive and Allstate increase brand awareness with TV and radio ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

The method we recommend to get policy rate comparisons is to know the trick most of the bigger providers participate in online systems to give you rate quotes. To start a quote, the only thing you need to do is give them rating details like if it has an anti-theft system, if you require a SR-22, if you lease or own, and how much coverage you want. Your insurance information is then sent to multiple different insurance companies and they respond with quotes instantly.

To compare rates now, click here then complete the form.

Well known brands might not be cheapest

Consumers can’t escape the ads for insurance coverage savings by State Farm and Allstate. All the ads make the point that you’ll save big if you get a free auto insurance quote and switch to them.

How is it possible that every company can have lower policy pricing? This is how they do it.

Most companies quote their best rates for the type of customer that earns them a profit. A good example of this type of risk profile should be over the age of 40, carries full coverage, and drives a vehicle with a low ISO rating. A driver who fits that profile gets the lowest rates as well as cut their rates if they switch.

Insureds who don’t measure up to those standards will probably be forced to pay a higher rate which results in the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that much money. That’s why companies can make it sound like they have such great prices.

Because every company is different, you need to do a price quote comparison at every renewal. It’s not possible to predict which company will fit you best based on your risk profile.

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Take advantage of these nine discounts

Companies that sell car insurance don’t always advertise their entire list of discounts in an easy-to-find place, so we took the time to find some of the best known and also the more inconspicuous credits available to bring down your rates.

• Auto/Home Discount – If you combine your homeowners and auto policies with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
• Payment Method – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.
• Low Miles Discount – Driving fewer miles may enable drivers to earn better premium rates on cars that stay parked.
• Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
• Renewal Discounts – Some companies give discounts for switching to them early. It can save you around 10%.
• Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on one policy could earn a price break for each car.
• Service Members Pay Less – Being on active deployment in the military could mean lower premium rates.
• Government Employees – Active or former government employment can save as much as 8% for Silhouette coverage with some insurance companies.
• E-sign Discounts – Certain insurance companies provide a small discount for signing up digitally online.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you can get free auto insurance, it’s just not the way it works.

Larger insurance companies and their possible discounts are detailed below.

• Esurance includes discounts for good driver, emergency road assistance, multi-car, defensive driver, and multi-policy.
• The Hartford discounts include air bag, vehicle fuel type, driver training, bundle, and anti-theft.
• AAA may include discounts for multi-policy, multi-car, education and occupation, pay-in-full, good driver, and good student.
• Geico has savings for seat belt use, multi-policy, emergency military deployment, driver training, membership and employees, military active duty, and multi-vehicle.
• State Farm policyholders can earn discounts including multiple policy, student away at school, defensive driving training, safe vehicle, accident-free, and driver’s education.

When comparing rates, check with every company which discounts can lower your rates. Savings may not apply to policyholders in your state. To find insurance companies that offer discounts, click here.

Special considerations

When it comes to buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether you might need professional guidance.

• Exactly who is provided coverage by my policy?
• Is my dog or cat covered if injured in an accident?
• Am I covered when driving a rental car?
• Does my insurance cover my expensive audio equipment?
• Am I covered when driving on a suspended license?
• Can I afford to buy a different vehicle if my 1993 Oldsmobile Silhouette is totaled?
• Should I buy additional glass protection?
• Who is covered when they drive my 1993 Oldsmobile Silhouette?
• I don’t drive much so do I pay less?
• Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage basics

Knowing the specifics of a car insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, theft and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Oldsmobile Silhouette.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Liability coverages

Liability coverage will cover damage or injury you incur to a person or their property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, funeral expenses, attorney fees, medical services and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for funeral costs, prosthetic devices, doctor visits, rehabilitation expenses and ambulance fees. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

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Take this to the bank

The cheapest 1993 Oldsmobile Silhouette insurance is available on the web and with local insurance agents, so you need to shop auto insurance with both in order to have the best chance of saving money. Some car insurance companies don’t offer internet price quotes and usually these smaller providers only sell through independent agents.

In this article, we covered many tips how you can reduce 1993 Oldsmobile Silhouette insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with some of the lesser-known companies. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

To learn more, link through to these articles:

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)

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