View 1995 Oldsmobile Silhouette Car Insurance Rates

Looking for lower insurance coverage rates for your Oldsmobile Silhouette? Did you make the mistake of buying an expensive insurance coverage policy? It’s quite common and there are a lot of people just like you who feel imprisoned by their insurance coverage policy. There are many insurers to pick from, and although it’s a good thing to have a choice, too many choices makes it more difficult to compare rates.

Where can I get the cheapest insurance?

Performing a rate comparison can take hours if you don’t utilize the fastest way to get free quotes. You can spend your afternoon driving to insurance companies in your area, or you could save time and use online quotes to get pricing more quickly.

Most of the larger companies belong to a marketplace where insurance shoppers submit one quote, and each participating company returns a competitive quote based on that information. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here to start a free quote.

The one downside to doing it this way is you don’t know exactly which insurance companies to receive prices from. So if you want to choose specific insurance companies to request quotes from, we have assembled a list of insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but try to keep the same quote data on every quote. If you have different coverage information then you won’t be able to determine which rate is truly the best.

Don’t overlook these auto insurance discounts

Auto insurance companies don’t list the complete list of policy discounts very clearly, so we took the time to find some of the more common as well as the least known ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you could be getting lower rates.

  • Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease for Silhouette insurance with some auto insurance companies.
  • College Student Discount – Older children who are attending college and won’t have access to an insured vehicle may qualify for this discount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school or through a local driver safety program.
  • Theft Prevention System – Cars and trucks with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Online Discount – Some of the larger companies will give a small break for buying your policy online.
  • Professional Organizations – Affiliation with a civic or occupational organization could trigger savings when getting a car insurance quote.
  • Waiver for an Accident – This isn’t a discount exactly, but some insurance companies allow you one accident without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a car insurance quote for Silhouette insurance.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you’re out of luck.

For a list of companies that offer many of these discounts, click this link.

When to get professional advice

When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Is my Oldsmobile Silhouette covered if I use it for business?
  • How much liability do I need to cover my assets?
  • Am I insured when driving a different vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have a DUI can I still get coverage?
  • Is my state a no-fault state?
  • Is upholstery damage covered by car insurance?
  • Am I covered when driving on a suspended license?
  • How much can I save by bundling my policies?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Informed drivers can cut their insurance costs

Many things are part of the equation when premium rates are determined. A few of the factors are predictable such as traffic violations, but some are less apparent like your vehicle usage or how safe your car is.

  • High credit scores save money – Credit score factor in calculating your premium rate. So if your credit history can use some improvement, you could be paying less to insure your 1995 Oldsmobile Silhouette by improving your credit score. Consumers who have very high credit ratings tend to file fewer claims as compared to drivers with bad credit.
  • Extra policy coverages are wasting money – Insurance policies have a lot of add-on coverages that can waste your money if you don’t pay attention. Coverages like rental car reimbursement, accidental death, and extra equipment coverage could be just wasting money. These coverages may sound good initially, but your needs may have changed so think about removing them and cutting costs.
  • Lower rates with a multi-policy discount – Most companies provide a discount to policyholders that buy multiple policies in the form of a multi-policy discount. This can amount to as much as ten percent or more If you currently are using one company, it’s always a smart idea to compare other company rates to help ensure you have the lowest rates.
  • Cars with good safety ratings cost less to insure – Vehicles with high crash test scores get lower rates. Highly rated vehicles reduce the chance of injuries and any reduction in injury severity means your insurance company pays less which can result in lower premiums.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t avoid all the ads that claim the lowest premium rates from companies such as 21st Century, Allstate and State Farm. All the ads advertise the message about how much you will save if you just switch to their company.

It sounds good, but how can they all claim to save you money? This is the trick they use.

Car insurance companies have strict underwriting profiles for the right customer they prefer to insure. For example, a profitable risk profile might be over age 30, has a low-risk occupation, and drives a vehicle with a low ISO rating. Someone who meets those qualifications will get a cheap rate quote and therefore will pay quite a bit less when switching companies.

Insureds who don’t meet those standards may be forced to pay more expensive rates with the end result being the customer not buying. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can make those claims.

This illustrates why you really should compare many company’s auto insurance rates. It’s just not possible to know with any certainty which company will have the lowest rate quotes.

Auto insurance coverage information

Having a good grasp of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.

Auto collision coverage

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

Collision insurance covers claims like hitting a parking meter, colliding with a tree, backing into a parked car, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Oldsmobile Silhouette.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, vandalism, falling objects, rock chips in glass and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability

Liability insurance will cover damage that occurs to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical services, loss of income and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses like pain medications, doctor visits and surgery. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Feed the piggy bank

Some insurance companies may not offer rates over the internet and usually these regional insurance providers prefer to sell through local independent agents. Discount 1995 Oldsmobile Silhouette insurance can be bought from both online companies and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from.

We’ve covered many tips how you can compare 1995 Oldsmobile Silhouette insurance prices online. The key thing to remember is the more times you quote, the higher your chance of finding cheaper car insurance. You may be surprised to find that the lowest prices are with the smaller companies. These companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

Much more information about car insurance is located at these links: