2000 Oldsmobile Silhouette Insurance Quotes – 10 Tips to Save

Trying to find better insurance rates for your Oldsmobile Silhouette? Overpriced Oldsmobile Silhouette insurance can eat up your budget and make it hard to pay other bills. Comparing price quotes can help to make sure you’re not throwing money away.

Popular companies such as Progressive, Geico and Farmers Insurance continually bombard you with fancy advertisements and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

You should make it a habit to quote other rates quite often because insurance prices change frequently. Just because you had the best deal for Silhouette coverage six months ago you may be paying too much now. You can find a lot of misleading information regarding insurance on the web, but in this article, you’re going to get the easiest ways to save money.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. But car owners can benefit from knowing how companies sell insurance online and apply this information to your search.

The best way to compare rates is to take advantage of the fact most insurance companies actually pay money for the chance to give rate comparisons. The one thing you need to do is provide details such as which vehicles you own, whether the vehicles are used for commuting, an estimate of your credit level, and whether you are married. Your rating data gets transmitted to multiple companies and they return rate quotes instantly to find the best rate.

Insurance quotes and discounts

Companies don’t necessarily list all available discounts in a way that’s easy to find, so the following is a list of some of the more common and the more hidden credits available to bring down your rates.

• Mature Driver Discount – Mature drivers can possibly qualify for reduced rates for Silhouette coverage.
• Student in College – Kids who are enrolled in higher education away from home and do not have a car can receive lower rates.
• Safe Driver Discounts – Drivers without accidents can save as much as half off their rates for Silhouette coverage than their less cautious counterparts.
• Lower Rates for Military – Being on active duty in the military could trigger a small discount.
• Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you can avoid monthly service charges.
• Paperwork-free – Some companies will give a small break for buying your policy on their website.
• Good Students Pay Less – Being a good student can get you a discount of up to 25%. Most companies allow this discount up to age 25.
• Defensive Driver – Completing a safe driver class could cut 5% off your bill if your company offers it.
• Claim-Free Discount – Drivers who don’t have accidents pay much less in comparison to insureds who have frequent claims or accidents.
• Passive Restraint Discount – Vehicles equipped with air bags could see savings of up to 25% or more.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, you’re out of luck.

Some of the insurance companies that may include these benefits include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

If you need lower rates, check with every company which discounts they offer. Some of the discounts discussed earlier might not apply in your area.

Situations that may require an agent’s advice

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation would benefit from professional advice.

• When should I drop full coverage on my 2000 Oldsmobile Silhouette?
• Is my Oldsmobile Silhouette covered if I use it for business?
• Am I covered when pulling a rental trailer?
• Do I need to file an SR-22 for a DUI in my state?
• Why am I required to get a high-risk car insurance policy?
• How high should my medical payments coverage be?
• Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance policy coverages for a 2000 Oldsmobile Silhouette

Having a good grasp of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills for prosthetic devices, pain medications and EMT expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, damage from flooding, hitting a bird, falling objects and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

This coverage can cover injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as loss of income, medical services, court costs, bail bonds and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

This pays for damage to your Silhouette caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Silhouette.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

The bottom line

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. In too many instances, an insured dropped physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.

There are still a few companies who don’t offer the ability to get quotes online smaller providers provide coverage only through independent agents. The cheapest 2000 Oldsmobile Silhouette insurance is available online and from local agencies, and you need to comparison shop both to get a complete price analysis.

Much more information about insurance is available at these links:

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Electronic Stability Control FAQ (iihs.org)