1991 Oldsmobile Silhouette Insurance Rates – 10 Tips for Best Quotes

Trying to find cheaper insurance coverage rates for your Oldsmobile Silhouette? No car owner likes paying for insurance coverage, especially when they are aware that they are paying too much. Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurer to find the lowest rate possible.

If you have a policy now or are shopping for new coverage, you can follow these tips to find better prices and still get good coverage. Finding the best rates is not that difficult. Drivers only need an understanding of the proper methods to shop online.

Drivers can save with these ten discounts

Car insurance is not cheap, but there are discounts available that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but a few must be specifically requested prior to getting the savings.

  • Membership in Organizations – Being in qualifying employment or professional organizations may earn a discount when shopping for auto insurance.
  • Bundle and Save – If you can bundle your home and auto insurance and insure them with the same company you may save at least 10% off all policies.
  • Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote on Silhouette insurance than less cautious drivers.
  • Claim-Free Discount – Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
  • Multi-car Discount – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Paperless Signup – Certain companies provide a small discount shop auto insurance on the web.
  • Driver’s Ed – Require your teen driver to enroll and complete driver’s education in high school.

Don’t be surprised that most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

A list of auto insurance companies and a summarized list of policyholder discounts are shown below.

  • American Family offers premium reductions for air bags, good student, defensive driver, early bird, good driver, and accident-free.
  • Farm Bureau offers discounts including youthful driver, good student, multi-vehicle, renewal discount, and 55 and retired.
  • State Farm includes discounts for student away at school, driver’s education, Steer Clear safe driver discount, anti-theft, multiple autos, and defensive driving training.
  • Travelers policyholders can earn discounts including continuous insurance, multi-policy, home ownership, driver training, save driver, and IntelliDrive.
  • The Hartford offers discounts for defensive driver, air bag, vehicle fuel type, bundle, and anti-theft.
  • Geico has savings for defensive driver, air bags, anti-theft, multi-policy, daytime running lights, emergency military deployment, and anti-lock brakes.
  • Progressive may have discounts that include online signing, homeowner, continuous coverage, online quote discount, good student, multi-vehicle, and multi-policy.

Before you buy a policy, ask every company which discounts they offer. A few discounts might not be offered on policies in your area. If you would like to choose from a list of companies that offer the discounts shown above, click here to view.

Special considerations

When choosing the best car insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation would benefit from an agent’s advice.

  • When should I remove comp and collision on my 1991 Oldsmobile Silhouette?
  • Can I rent a car in Mexico?
  • Am I covered when driving in Canada or Mexico?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can my teen drive my company car?
  • Why do I need rental car insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need medical payments coverage since I have good health insurance?
  • How much can I save by bundling my policies?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverages found on the average auto insurance policy.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, a broken windshield, hail damage and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses like X-ray expenses, hospital visits and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage covers damage to your Silhouette caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, crashing into a ditch, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like repair bills for other people’s vehicles, legal defense fees and structural damage. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

The bottom line

Cost effective 1991 Oldsmobile Silhouette insurance can be bought from both online companies in addition to many insurance agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. There are still a few companies who may not have the ability to get a quote online and most of the time these small, regional companies prefer to sell through independent agents.

We’ve covered many ways to lower your 1991 Oldsmobile Silhouette insurance premium rates. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates are with some of the lesser-known companies. They can often provide lower prices in certain areas than the large multi-state companies such as State Farm or Progressive.

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