Cheap 1999 Oldsmobile Silhouette Car Insurance Cost

Want lower insurance rates for your Oldsmobile Silhouette? When shopping for more affordable insurance, are you intimidated by the crazy number of insurance sources available to you? People have so many choices that it can quickly become a difficult mission to find the best rates.

Finding affordable coverage is quite easy. In a nutshell, everyone who shops for car insurance should be able to save money. But vehicle owners must comprehend how the larger insurance companies compete online and apply this information to your search.

The quickest way to get rate comparisons is to realize car insurance companies pay for the opportunity to give you rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information including your education level, driver details, if you have a valid license, and whether the vehicles are used for commuting. That rating information is automatically sent to many highly-rated insurers and you will get price comparisons quickly.

Auto Insurance Discounts

Some companies don’t list their entire list of discounts in a way that’s easy to find, so the next list breaks down both the well known and also the lesser-known discounts that you may qualify for. If they aren’t giving you every credit available, it’s possible you qualify for a lower rate.

• Multi-policy Discount – When you combine your auto and home insurance with one company you could get a discount of at least 10 to 15 percent or more.
• Discount for Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
• Military Discounts – Being on active duty in the military may qualify for rate reductions.
• Sign Early and Save – Some companies provide a discount for switching policies prior to the expiration date on your current policy. This can save 10% or more.
• Good Student – Excelling in school can save 20 to 25%. Many companies even apply the discount to college students until age 25.
• Accident Waiver – Not really a discount, but companies like Progressive, State Farm and Geico allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
• Homeowners Pay Less – Just being a homeowner can get you a discount because maintaining a house requires personal responsibility.
• Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts could see savings as much as 30%.

A quick disclaimer, most discounts do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

A few of the larger companies and their offered discounts can be found below.

• Geico may offer discounts for seat belt use, daytime running lights, multi-vehicle, defensive driver, and emergency military deployment.
• SAFECO offers discounts including teen safe driver, bundle discounts, multi-car, drive less, homeowner, and anti-lock brakes.
• State Farm offers premium reductions for multiple policy, Drive Safe & Save, good driver, defensive driving training, anti-theft, student away at school, and passive restraint.
• MetLife discounts include defensive driver, good driver, multi-policy, claim-free, and good student.
• 21st Century may have discounts that include air bags, anti-lock brakes, driver training, teen driver, homeowners, and good student.
• Progressive includes discounts for multi-vehicle, online signing, continuous coverage, online quote discount, homeowner, and good student.

If you need the cheapest auto insurance quotes, ask every company which credits you are entitled to. Some discounts listed above might not apply in your area. If you would like to choose from a list of insurance companies with discount rates, follow this link.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions can help discover whether you could use an agent’s help.

• Should I have combined single limit or split liability limits?
• Where can I find high-risk insurance?
• Is my babysitter covered when using my vehicle?
• Does car insurance cover theft of personal property?
• What if I total my 1999 Oldsmobile Silhouette and owe more than it’s worth?
• Am I covered when driving in Canada or Mexico?
• I have a DUI can I still get coverage?
• Is my ex-spouse still covered by my policy?
• Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

What auto insurance coverages do you need?

Having a good grasp of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as dental work, funeral costs, chiropractic care, doctor visits and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, theft, damage from getting keyed, vandalism and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance covers damage to your Silhouette resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, damaging your car on a curb, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverage

Liability coverage protects you from injuries or damage you cause to other’s property or people. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as loss of income, legal defense fees, bail bonds and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Final considerations

The cheapest 1999 Oldsmobile Silhouette insurance is possible online and from local insurance agents, so get free auto insurance quotes from both of them to have the best chance of lowering rates. Some companies may not provide the ability to get quotes online and most of the time these regional insurance providers prefer to sell through local independent agents.

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, policy cancellation, high prices or being labeled a high risk driver. No matter why you want to switch, finding a new company is actually quite simple.

When you buy auto insurance online, do not skimp on coverage in order to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big mistake. Your objective should be to get the best coverage possible at the best price while not skimping on critical coverages.

More articles

• Alcohol Impaired Driving FAQ (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Learn About Car Insurance (Geico)