View 1998 Oldsmobile Silhouette Insurance Rates

Want the cheapest car insurance rates for your Oldsmobile Silhouette? Are you at wits end from trying to scrape together enough money each month for car insurance? You are no different than many other consumers. Numerous auto insurance companies battle for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

Discounts for cheaper insurance rates

The cost of insuring your cars can be expensive, but you might find some hidden discounts that many people don’t even know exist. Certain reductions will be credited when you purchase, but some may not be applied and must be asked about before you will receive the discount. If you do not double check each discount available, you may be paying too high a price.

  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more on medical payment and PIP coverage.
  • Government Employees – Being employed by or retired from a federal job could provide a small rate reduction on Silhouette insurance with some insurance companies.
  • Paperless Signup – Many insurance companies will give a small break shop insurance over the internet.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
  • Good Driver Discount – Accident-free drivers can save up to 40% or more on their insurance quote on Silhouette insurance than their less cautious counterparts.
  • Club Memberships – Having an affiliation with certain professional organizations could trigger savings on insurance.
  • Multi-car Discount – Drivers who insure multiple vehicles with one company can get a discount on all vehicles.
  • One Accident Forgiven – This one is not really a discount per se, but companies like Progressive, Allstate, and Geico permit an accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.

Just know that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. So when it seems like you could get a free insurance policy, you aren’t that lucky.

Popular insurance companies and a summarized list of policyholder discounts can be read below.

  • Travelers offers discounts including continuous insurance, student away at school, driver training, IntelliDrive, multi-policy, hybrid/electric vehicle, and multi-car.
  • 21st Century has savings for teen driver, good student, driver training, theft prevention, 55 and older, defensive driver, and student driver.
  • State Farm has discounts for good student, Steer Clear safe driver discount, accident-free, defensive driving training, multiple policy, good driver, and Drive Safe & Save.
  • Geico offers discounts for daytime running lights, anti-theft, federal employee, good student, multi-policy, multi-vehicle, and seat belt use.
  • SAFECO may have discounts that include safe driver, anti-lock brakes, multi-car, teen safe driver, drive less, and accident prevention training.
  • AAA includes discounts for good student, anti-theft, education and occupation, AAA membership discount, and good driver.

If you need inexpensive insurance quotes, ask each company or agent to give you their best rates. A few discounts may not apply to policyholders in your area. For a list of insurers with discount rates, follow this link.

You may need specialized insurance coverage coverage

When choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can aid in determining if you might need professional guidance.

  • Am I covered if I break a side mirror?
  • How do I buy GAP insurance?
  • Does liability extend to a camper or trailer?
  • Do I need PIP coverage since I have good health insurance?
  • Can I afford to buy a different vehicle if my 1998 Oldsmobile Silhouette is totaled?
  • Who is covered when they drive my 1998 Oldsmobile Silhouette?
  • When should my teen driver be added to my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills like prosthetic devices, hospital visits, ambulance fees and EMT expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage – Collision insurance pays for damage to your Silhouette from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability insurance – Liability insurance will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims like repair bills for other people’s vehicles, legal defense fees, emergency aid, court costs and bail bonds. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, a tree branch falling on your vehicle, fire damage and hail damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Have money to burn

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an insured cut full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price and still be able to protect your assets.

You just read a lot of ways to shop for 1998 Oldsmobile Silhouette insurance online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest car insurance rates come from an unexpected company. These companies can often provide lower premium rates in certain areas compared to the large companies like Progressive or Geico.

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