View 1993 Oldsmobile Silhouette Car Insurance Quotes

Having to pay for pricey insurance can diminish your monthly budget and make it tough to pay other bills. With so many different company options, it can be diffult for drivers to choose the cheapest insurer.

Which auto insurance is cheapest?

Most major insurance companies such as Allstate, Geico and Progressive provide coverage prices from their websites. Doing online price comparisons is pretty painless because you just enter your coverage information as requested by the quote form. After you complete the form, their rating system orders your credit score and driving record and provides a quote. This makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it’s also necessary to have as many quotes as possible in order to find better auto insurance pricing.

A better way to find cheaper rates requires only one form to return rates from multiple companies. It’s a real time-saver, eliminates form submissions, and makes quoting online much simpler. After your information is entered, it gets priced and you can select your choice of the quotes returned.

If a lower price is quoted, you can click and sign and buy the new coverage. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

To use this form to compare rates, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter the coverage information as close as possible to your current policy. This guarantees you will receive comparison quotes based on similar coverages.

Beware of misleading auto insurance ads

Consumers can’t get away from ads that promise big savings for switching by Allstate, Geico and Progressive. They all tend to make the same promise that you’ll save big if you switch your coverage.

Is it even possible that every company can make the same claim? You have to listen carefully.

Different companies have underwriting criteria for the type of driver that will generate a profit. One example of this type of risk profile could possibly be a mature driver, has a clean driving record, and drives a car with an anti-theft system. Anyone who fits that profile will get the preferred prices and as a result will probably pay quite a bit less when switching companies.

Potential insureds who may not quite match the requirements may receive a higher premium which results in the driver buying from a lower-cost company. The trick is to say “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can advertise the way they do.

This really emphasizes why you should compare many company’s prices. It is impossible to guess which auto insurance company will fit your personal profile best.

Use discounts on insurance coverage

Not many people think insurance is cheap, but there could be available discounts that many people don’t even know exist. Certain reductions will be credited at the time of purchase, but some need to be asked about before you will receive the discount.

  • Switch and Save Discount – Some larger companies give discounts for switching policies early. It’s a savings of about 10%.
  • Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of 20 to 30 percent.
  • Multi-car Discount – Buying insurance for multiple cars with one company could earn a price break for each car.
  • Life Insurance Discount – Some insurance companies give lower insurance coveragerates if you buy some life insurance too.
  • Organization Discounts – Being in qualifying clubs or civic groups is a good way to get lower rates on your next insurance coverage statement.

Discounts lower rates, but most credits do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

To see a list of insurers that offer many of these discounts, follow this link.

Tailor your car insurance coverage to you

When choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. These are some specific questions can aid in determining whether you may require specific advice.

  • Does coverage extend to Mexico or Canada?
  • Do I benefit by insuring my home with the same company?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I better off with higher deductibles on my 1993 Oldsmobile Silhouette?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my ex-spouse still covered by my policy?
  • Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses such as doctor visits, funeral costs, EMT expenses, dental work and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverage

Liability coverage can cover damage that occurs to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, fire damage, damage from getting keyed, hail damage and vandalism. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Never pay more for less

When getting car insurance quotes online, it’s not a good idea to reduce needed coverages to save money. There have been many situations where an insured dropped liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. The goal is to get the best coverage possible at a price you can afford and still be able to protect your assets.

Discount 1993 Oldsmobile Silhouette insurance can be sourced on the web and also from your neighborhood agents, so you need to shop car insurance with both to have the best rate selection. Some insurance companies do not provide online rate quotes and most of the time these smaller companies work with local independent agents.

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Comments About 1993 Oldsmobile Silhouette Insurance

  1. Bernie Carroll

    I think Progressive has low rates in Nebraska. For me anyway.

  2. Jayme Lang

    Affordable car insurance is a myth. I live just outside Billings, MT. Got quotes from 21st Century, AAA, and Farmers for my Silhouette and I think I cut my rates about $20 each month. Just liability coverage since it’s getting old.

  3. Esta Nixon

    I got decent rates for a 1993 Oldsmobile Silhouette in Mesa, Arizona. Ended up at roughly $80 every six months with AAA. They have a lot of discounts available. Not sure if rates are cheaper online or not. I don’t put full coverage on it.

  4. Pat Valentine

    For me, Progressive was by far the cheapest in West Valley City, Utah.

  5. Shaunta Carlson

    From south side of Jacksonville, FL. Quoted with AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my Silhouette and saved $104 a year. Just go online and compare their rates. I just carry liability insurance.

  6. Charmain Fleming

    Progressive is decent in Newark, NJ.

  7. Nelda Lyons

    From northwest of Columbia, South Carolina. Quoted with Allstate, Auto-Owners, and some I forget for my Silhouette and I’m now saving $19 a month. Thankfully I’m not a high risk driver.

  8. Christopher Eaton

    Just a quick comment on my experience. I live in a small town just outside of Frederick, MD. I quoted with MetLife, Erie, GEICO, and American Family for my Oldsmobile and saved just over $70 a year. Full coverage costs too much.

  9. Reba Morrison

    Just my two cents. From a town just southwest of Owensboro, Kentucky. I got free quotes with Auto-Owners, Sentry, and some smaller one I can’t remember the name of for my Silhouette and I think I saved around $30 each month. Left Progressive to switch. Even increased my liability limits. I don’t put full coverage on it.

  10. Nichol Zimmerman

    Cheap is relative. Went with Mercury for my Oldsmobile and am saving around $100 a year. I have a couple other vehicles on the policy. I don’t have comp or collision coverage.

  11. Jacquetta Eaton

    It all costs too much. Live in San Antonio, Texas. Don’t remember every company but I ended up saving about $20 each month. Insured with Farmers before. Ask about discounts. Are quotes cheaper online? I’m thinking about dropping full coverage though.

  12. Howard Mccoy

    Nice info. From a town just southwest of Warren, Michigan. Went online for free insurance quotes for a 1993 Oldsmobile Silhouette. Ended up at about $80 savings annually. Went with 21st Century.