1994 Oldsmobile Silhouette Insurance Rates – 5 Tricks for Best Quotes

Have you finally had enough of scraping nickels together to keep your car insured? You are no different than many other drivers.

Having so many companies to choose from, it’s difficult to pick the lowest price insurer.

The purpose of this article is to introduce you to the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. But consumers must learn the methods companies use to sell insurance online and use this information to your advantage.

Affordable auto insurance quotes

To find more affordable rates, there are a couple of ways to compare prices from many available auto insurance companies in your state. The simplest method to compare rates is to jump online and get quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

• The most efficient method to get quotes is an all-inclusive rate comparison click to view form in new window. This form keeps you from doing multiple quote forms for every auto insurance company. Taking the time to complete one form will return quotes from multiple companies.
• A harder way to compare rate quotes is spending the time to visit each company website to complete a price quote. For example, we’ll pretend you want to see prices from State Farm, Farmers and GMAC. You would be required to go to every website and enter your policy data, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Whichever way you use, be certain you are entering the exact same coverage information with every price quote. If each company quotes different coverage information you can’t possibly make a fair comparison for your Oldsmobile Silhouette. Just a small difference in coverage limits could throw off the whole comparison. And when comparison shopping, comparing more rates from different companies helps increase your odds of locating lower pricing.

Get affordable car insurance quotes with discounts

Not many people think insurance is cheap, but there are discounts available that may help make it more affordable. Larger premium reductions will be automatically applied when you purchase, but occassionally some discounts must be inquired about prior to getting the savings. If you do not double check each discount available, it’s possible you qualify for a lower rate.

• Life Insurance Discount – Larger companies have a small discount if you purchase life insurance from them.
• Defensive Driver – Successfully completing a course teaching safe driver skills could earn you a small percentage discount and also improve your driving technique.
• Passive Restraints – Vehicles equipped with air bags can receive discounts of up to 25% or more.
• ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and the ABS can save up to 10%.
• Discount for New Cars – Insuring a new car can cost up to 25% less because new vehicles keep occupants safer.

Keep in mind that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.

Companies and some of the premium reductions they offer are outlined below.

• State Farm offers premium reductions for anti-theft, defensive driving training, safe vehicle, good driver, student away at school, accident-free, and multiple policy.
• Progressive discounts include continuous coverage, online signing, homeowner, online quote discount, multi-policy, and good student.
• Progressive offers discounts including homeowner, multi-policy, online quote discount, continuous coverage, good student, multi-vehicle, and online signing.
• MetLife may include discounts for good driver, good student, accident-free, claim-free, and defensive driver.
• Farm Bureau policyholders can earn discounts including driver training, 55 and retired, safe driver, multi-vehicle, good student, multi-policy, and renewal discount.
• Geico has discounts for multi-vehicle, membership and employees, good student, multi-policy, air bags, and emergency military deployment.
• SAFECO has savings for bundle discounts, anti-lock brakes, drive less, homeowner, teen safety rewards, multi-car, and safe driver.

Before buying, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above might not be offered on policies in your area. To locate insurance companies with discount rates, click this link.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions could help you determine if you might need an agent’s assistance.

• Is my teen driver covered when they drive my company car?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is my vehicle covered by my employer’s policy when using it for work?
• When should I remove comp and collision on my 1994 Oldsmobile Silhouette?
• Should I buy more coverage than the required minimum liability coverage?
• Is rental equipment covered for theft or damage?
• When should I not file a claim?
• Do I need special endorsements for business use of my vehicle?
• Am I covered if I hit a deer?
• When can I cancel my policy?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Auto insurance coverages

Having a good grasp of a car insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average car insurance policy.

Coverage for liability

This can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

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. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as funeral expenses, medical expenses, loss of income, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, hitting a deer, hail damage and a broken windshield. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your 1994 Oldsmobile Silhouette.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Auto collision coverage

This coverage will pay to fix damage to your Silhouette resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, rolling your car, sideswiping another vehicle, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like dental work, nursing services, prosthetic devices and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible