1991 Oldsmobile Silhouette Car Insurance Rates – 10 Ways to Save

Searching for better auto insurance rates for your Oldsmobile Silhouette? Getting lower priced auto insurance may seem to be intimidating for people who are new to online price comparisons. Since there are so many insurers available, how are we expected to possibly compare all the different companies and get the lowest price?

If you have car insurance now, you will be able to reduce your rates substantially using these techniques. The purpose of this article is to tell you the most effective way to quote insurance and some money-saving tips. But car owners must learn how big insurance companies sell online and apply this information to your search.

How to buy car insurance online

There are several ways you can shop for car insurance but there is one way that is easier and takes less work. You could spend your day driving to agents in your area, or you can utilize online quotes to maximize your effort.

Many of the larger companies participate in an industry program where insurance shoppers submit one quote, and at least one company returns a competitive quote based on that information. This saves time by eliminating form submissions to every company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to doing it this way is that consumers can’t choose which providers you want to price. So if you prefer to choose individual companies to compare prices, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare identical coverages for every quote you compare. If your comparisons have different liability limits you will not be able to make an equal comparison. Even a minor difference in insurance coverages or limits can result in a big premium difference. And when quoting car insurance, remember that comparing more rates from different companies will enable you to find lower pricing. Not every company provides price estimates online, so it’s important to also get price estimates from the smaller companies as well.

But the ad said I’d save 15% in 15 minutes!

Insurance providers like State Farm and Allstate endlessly run television and radio advertisements. All the companies try to convey promises that you’ll save big if you just switch to their company. How is it plausible that every one can have lower policy pricing? It’s all in the wording.

Different companies can use profiling for the driver they prefer to insure. An example of this type of risk profile might be between 25 and 40, has few claims, and does not commute to work. A customer getting a price quote who fits that profile will most likely get cheap prices as well as save some money.

Potential insureds who do not match those criteria will probably be forced to pay more expensive rates which translates to business going elsewhere. The trick companies use is to say “customers who switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can claim big savings. Different companies use different criteria so drivers must quote coverage with many companies. It’s just not possible to know with any certainty which company will have the lowest rates for your situation.

Get lower rates by taking advantage of these ten discounts

Insurance can be pricey, but you may be missing some discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but some need to be specially asked for before you get the savings.

• Bundled Policy Discount – If you can bundle your homeowners and auto insurance with one company they may give you a discount of up to 20% off your total premium.
• Low Mileage – Low annual miles may allow you to get discounted insurancerates on garaged vehicles.
• College Student – Youth drivers living away from home attending college without a vehicle on campus may be able to be covered for less.
• Save over 55 – Mature drivers could receive reduced rates on Silhouette insurance.
• Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more off PIP or medical payments premium.
• Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as Liberty Mutual, Allstate and State Farm may permit one accident without getting socked with a rate hike if you have no claims for a specific time period.
• E-sign – A few larger online companies will provide an incentive for signing up on their website.
• Defensive Driving Course – Completing a class that teaches safe driver techniques could possibly earn you a 5% discount and also improve your driving technique.
• Driving Data Discount – Drivers who elect to allow their insurance company to analyze driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as the data is positive.

A little disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, company stockholders wouldn’t be very happy.

To choose insurance companies who offer discounts, follow this link.

How much insurance do I need?

When choosing coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if you might need professional guidance.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is borrowed equipment or tools covered if stolen or damaged?
• What vehicles should carry emergency assistance coverage?
• Are my friends covered when driving my 1991 Oldsmobile Silhouette?
• Am I covered if I wreck a rental car?
• Am I covered when pulling a rental trailer?
• Am I covered when driving on a suspended license?
• What is no-fault insurance?
• What is UM/UIM insurance?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

Car insurance 101

Understanding the coverages of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from flooding, a broken windshield, vandalism and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – Collision coverage will pay to fix damage to your Silhouette from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, EMT expenses, nursing services, pain medications and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Silhouette.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages – Liability coverage can cover damage that occurs to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, medical expenses, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

You can do this!

Lower-priced auto insurance can be found on the web in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture. Some auto insurance companies do not offer internet price quotes and usually these small insurance companies only sell coverage through independent insurance agencies.

You just learned many ideas to shop for 1991 Oldsmobile Silhouette insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the most savings is with some of the smallest insurance companies.

People change insurance companies for any number of reasons including high prices, being labeled a high risk driver, unfair underwriting practices and even denial of a claim. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

More resources

• Auto Insurance 101 (About.com)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Comprehensive Coverage (Liberty Mutual)
• Vehicle Size and Weight FAQ (iihs.org)