1992 Oldsmobile Silhouette Car Insurance Quotes – 9 Tips for Best Rates

Want cheaper insurance rates for your Oldsmobile Silhouette? Nobody looks forward to paying for insurance, particularly when they are paying too much. There is such a variety of car insurance companies to insure vehicles with, and although it’s nice to have a choice, too many choices makes it more difficult to find a good deal.

Finding affordable coverage is quite easy. If you have a current car insurance policy or are shopping for new coverage, you can use these techniques to find better prices and still get good coverage. Consumers just need to understand the best way to shop their coverage around online.

Cheap Insurance Coverage Comparisons

Getting a cheaper price on 1992 Oldsmobile Silhouette insurance is not a difficult process. Consumers just need to spend a little time comparing price quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The best way to get the best comparison quotes is a comparison rater form click to view form in new window. This method prevents you from having to do repetitive form entry for each company. One quote request will get you rate comparisons from insurance coverage companies with the best prices.
  • A more time consuming way to compare prices requires you to visit each company’s website and complete a new quote form. For example, let’s assume you want rates from Farmers, Progressive and Liberty Mutual. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

Whichever method you choose, be sure to compare the exact same coverage limits for every quote you compare. If each company quotes different deductibles it will be very difficult to make an equal comparison.

Cut prices on 1992 Oldsmobile Silhouette insurance

Companies offering auto insurance don’t always advertise every discount in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.

  • Auto/Home Discount – When you have multiple policies with one company you will save approximately 10% to 15%.
  • No Claims – Good drivers with no accidents can save substantially when compared with bad drivers.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Oldsmobile can earn better rates on cars that stay parked.
  • Federal Employees – Simply working for the federal government can save as much as 8% for Silhouette insurance with select insurance companies.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
  • Payment Discounts – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Discount for New Cars – Adding a new car to your policy is cheaper compared to insuring an older model.

Consumers should know that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of insurers who offer insurance coverage discounts, click here.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

  • I have a DUI can I still get coverage?
  • Do I need higher collision deductibles?
  • How much liability coverage do I need in my state?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when delivering products for my home-based business?
  • Should I sign the liability waiver when renting a car?
  • Do I need medical payments coverage since I have good health insurance?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when pulling a rental trailer?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Information about specific coverages

Learning about specific coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Collision coverage

Collision coverage pays for damage to your Silhouette caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, sideswiping another vehicle, driving through your garage door, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.


This coverage will cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as pain and suffering, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as surgery, rehabilitation expenses, X-ray expenses and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Silhouette.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Save your hard earned cash

Throughout this article, we presented quite a bit of information on how to lower your 1992 Oldsmobile Silhouette insurance rates. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a smaller regional carrier. These companies often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.

When shopping online for car insurance, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price.

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