1998 Oldsmobile Silhouette Car Insurance Cost

Have you had enough of paying out the nose to buy car insurance? You’re in the same situation as the majority of other car owners. Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the absolute best rates possible.

Vehicle Insurance Comparison

Comparing auto insurance rates can be exhausting if you don’t know the best way to get rate quotes. You could spend the better part of a day talking to local insurance agents in your area, or you can utilize the web to get rates in a matter of minutes.

Most of the larger companies participate in a marketplace that allows shoppers to submit one quote, and every company provides a quote determined by their information. This saves time by eliminating form submissions for each company.

To use this form to compare 1998 Oldsmobile Silhouette insurance rates click to open in new window.

The single downside to using this type of form is buyers cannot specifically choose which providers you want to price. If you would rather choose from a list of companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you are comparing the exact same information for every company. If you compare differing limits it’s not possible to determine which rate is truly the best.

How to reduce 1998 Oldsmobile Silhouette insurance rates

Auto insurance companies don’t necessarily list all available discounts very well, so we researched both well-publicized and the more hidden ways to save on insurance. If you don’t get every credit you deserve, you are throwing money away.

  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Homeowners Pay Less – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Low Mileage – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Silhouette coverage than drivers with accident claims.
  • Good Student – This discount can save 20 to 25%. This discount can apply up to age 25.

It’s important to understand that most discounts do not apply to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free insurance policy, you’re out of luck.

For a list of insurance companies with discount insurance rates, click here to view.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique so this has to be addressed. These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Is upholstery damage covered by car insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Why am I required to buy liability insurance?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won’t pay a claim?
  • What is UM/UIM insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Where can I get insurance after a DUI in my state?
  • Why do I need rental car insurance?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Coverage specifics

Understanding the coverages of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the normal coverages found on the average auto insurance policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like pain medications, ambulance fees, nursing services, surgery and prosthetic devices. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Oldsmobile Silhouette.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Auto collision coverage

This 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 backing into a parked car, rolling your car and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverages

This coverage provides protection from injuries or damage you cause to other’s property or people. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as bail bonds, court costs, funeral expenses and medical expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, damage from getting keyed, falling objects, vandalism and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Have the Midas touch

We just presented some good ideas how you can save on 1998 Oldsmobile Silhouette insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often provide lower rates in certain areas than their larger competitors like Progressive and GEICO.

Discount insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance coverage companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Additional information