Lower Your 2003 Oldsmobile Silhouette Insurance Quotes

Want better insurance coverage rates for your Oldsmobile Silhouette? Trying to find better insurance prices for an Oldsmobile Silhouette can be difficult, but you can use the following methods to make it easier. There is a better way to buy insurance coverage and you need to know the proper way to get price quotes on a Oldsmobile and get the lowest price from local insurance agents and online providers.

Insurance coverage quotes comparison

All major insurance coverage companies provide pricing direct online. The process can be done by anyone as all you need to do is type in the coverage amounts you desire into a form. Upon sending the form, the company’s rating system will obtain your driving and credit reports and gives you a price quote based on the information you submitted.

Being able to quote online makes comparing rates easy, but the time required to go to several different sites and type in your information can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible if you want to get a better rate.

The easy way to compare rates

A less time-consuming method to lower your rates uses just one form to get prices from more than one company. The form is fast, requires much less work on your part, and makes comparison shopping much easier. Immediately after submitting the form, it is quoted and you can choose any one of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process only takes a few minutes and you will know how your current rates stack up.

In order to use this form to compare rates, click here and submit your coverage information. To compare your current rates, we recommend you enter the limits and deductibles identical to your current policy. This helps ensure you are getting rate comparison quotes using the same coverage and limits.

Insurance policy discounts you can’t miss

Some insurance providers do not advertise every discount they offer very well, so here is a list a few of the more common as well as the least known discounts that you may qualify for.

• 55 and Retired – If you’re over the age of 55, you may receive lower premium rates for Silhouette coverage.
• Buy New and Save – Putting insurance coverage on a new car can cost up to 25% less since new model year vehicles are generally safer.
• College Student – Any of your kids who attend college more than 100 miles from home and leave their car at home could qualify for this discount.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.
• ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
• Online Discount – A few larger online companies will give you a small discount get car insurance on their website.
• Auto/Home Discount – If you combine your auto and home policies and insure them with the same company they may give you a discount of as much as 10 to 15 percent.
• Government Employees – Having worked for a branch of the government may reduce rates when you quote car insurance for Silhouette coverage depending on your company.

As a footnote on discounts, most credits do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you could get a free insurance policy, companies don’t profit that way. Any qualifying discounts will cut the cost of coverage.

To find insurance companies who offer cheap insurance quotes, click here.

Insurance agents can help

When choosing coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.

For example, these questions may help highlight if your situation might need an agent’s assistance.

• Should I file a claim if it’s only slightly more than my deductible?
• Can I still get insurance after a DUI?
• If my pet gets injured in an accident are they covered?
• What is UM/UIM insurance?
• Does insurance cover tools stolen from my truck?
• How much underlying liability do I need for an umbrella policy?
• Do I have coverage when using my vehicle for my home business?
• Who is covered when they drive my 2003 Oldsmobile Silhouette?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Car insurance coverage information

Understanding the coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as theft, a broken windshield and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Oldsmobile Silhouette.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto collision coverage

This covers damage to your Silhouette caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, hitting a mailbox, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for EMT expenses, funeral costs and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, bail bonds, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.