Cheaper 1996 Oldsmobile Silhouette Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Oldsmobile Silhouette? Have you had enough of not being able to afford to insure your Oldsmobile every month? You’re in the same situation as many other drivers. Drivers have multiple insurers to buy insurance from, and although it’s nice to have multiple companies, it makes it harder to compare company pricing.

Cheap Car Insurance Comparisons

Comparing car insurance rates is a ton of work if you don’t utilize the easiest way. You could waste a few hours driving to local insurance agents in your area, or you could use online quotes to get pricing more quickly.

Many popular insurance companies take part in a program that allows shoppers to complete one form, and every company provides a quote based on that data. This prevents consumers from doing quote requests for every car insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to using this type of system is you cannot specify which carriers to receive prices from. If you wish to select specific insurance companies to request quotes from, we put together a list of companies who write car insurance in your area. Click to view list.

However you get your quotes, be sure to compare apples-to-apples deductibles and coverage limits on every quote you get. If you use different limits and deductibles on each one it’s not possible to determine which rate is truly the best.

Impacting insurance rates for an Oldsmobile Silhouette

It’s important that you understand the factors that go into determining insurance coverage rates. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to big savings.

  • Cautious drivers pay less – Only having one citation may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state DMV in order to continue driving.
  • Small claims can cost you – If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Companies give better rates to people who file claims infrequently. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Where you reside plays a part – Residing in less populated areas is a positive aspect when it comes to insurance coverage. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. City drivers have to deal with more traffic problems and a longer drive to work. More time on the road translates into higher accident risk.
  • Safe vehicles cost less to insure – Safer cars get lower rates. Safe vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If the Oldsmobile Silhouette earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Don’t let your coverage lapse – Driving without insurance is illegal and insurance coverage companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, getting caught without coverage may earn you a revoked license or a big fine.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Don’t buy coverages you don’t need – There are a ton of add-on coverages that can waste your money on your insurance coverage policy. Insurance for rental car reimbursement, accident forgiveness and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Being married is a good thing – Getting married helps lower the price when buying insurance coverage. Marriage translates into being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Theft deterrents lower rates – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.

Discounts are great for lower rates

Car insurance companies don’t always publicize every discount in an easy-to-find place, so we took the time to find both well-publicized as well as the least known insurance savings. If they aren’t giving you every credit possible, you are throwing money away.

  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a small decrease in premiums on Silhouette insurance.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Paperwork-free – A handful of insurance companies may give you up to $50 simply for signing online.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home shows financial diligence.
  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.

It’s important to understand that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.

For a list of insurers who offer insurance discounts, follow this link.

You may need specialized coverage

When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • Is a blown tire covered by insurance?
  • Are rock chip repairs covered?
  • How much liability coverage do I need in my state?
  • How much liability do I need to cover my assets?
  • Who is covered when they drive my 1996 Oldsmobile Silhouette?
  • How high should deductibles be on a 1996 Oldsmobile Silhouette?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Car insurance coverages for a 1996 Oldsmobile Silhouette

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for things such as a broken windshield, vandalism and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Silhouette.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for doctor visits, surgery and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision insurance

This coverage will pay to fix damage to your Silhouette resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverage

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like pain and suffering, funeral expenses and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Final considerations

You just read many tips how you can compare 1996 Oldsmobile Silhouette insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest rates come from an unexpected company. They may often insure only within specific states and give getter rates than their larger competitors like Allstate, Geico and Progressive.

Cheap insurance is definitely available both online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not offer online quoting and these small, regional companies work with independent agents.

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