1997 Oldsmobile Silhouette Insurance Quotes

Finding better insurance prices for your Oldsmobile Silhouette can normally be an all-consuming task, but you can use our insurance buying tips to make it easier. There is a better way to compare insurance rates and we’ll show you the absolute fastest way to get price quotes for your Oldsmobile and find the lowest possible price from local insurance agents and online providers.

It’s a good idea to price shop coverage occasionally since insurance rates go up and down regularly. Just because you had the lowest rates for Silhouette coverage a couple years back you may be paying too much now. Starting now, ignore everything you know about insurance because it’s time to teach you one of the easiest ways to save on insurance.

Automobile Insurance Quotes

Effectively comparing insurance prices can be a daunting task if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most of the best insurance companies enroll in a system that enables customers to enter their policy data once, and each company returns a rated price based on that data. This prevents consumers from doing quote forms for each company.

To submit your quote information now, click here to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose which providers to get quotes from. So if you prefer to choose specific providers for rate comparison, we have assembled a list of insurance companies in your area. View list of insurance companies.

Whichever method you choose, ensure you are comparing apples-to-apples coverages on every quote. If the quotes have different deductibles it’s not possible to determine which rate is truly the best.

Why your Oldsmobile Silhouette might be costing you more

An important part of buying insurance is that you know the rating factors that help determine your car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

  • With age comes lower rates – Teenage drivers tend to be more careless when driving so they pay higher car insurance rates. Adding a teenage driver to your policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • Don’t skimp on liability – Liability coverage will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. It provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can definitely plan on higher rates. Auto insurance companies give cheaper rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Safer cars cost less to insure – Safer cars are cheaper to insure. Safe vehicles reduce injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If the Oldsmobile Silhouette is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Bump up deductibles to save – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Oldsmobile. Examples of covered claims would be collision with another vehicle, damage from fire, and windstorm damage. The deductibles are how much you are willing to pay if you file a covered claim. The more you’re willing to pay, the lower your rates will be for Silhouette coverage.
  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men cause accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • A clean driving record saves money – Even one moving violation can boost insurance rates twenty percent or more. Careful drivers get better rates than bad drivers. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.

Save with discounts on 1997 Oldsmobile Silhouette insurance

Companies don’t always publicize every discount very well, so the following is a list of some of the more common and also the lesser-known ways to save on auto insurance. If you don’t get every credit available, you are throwing money away.

  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiration. The savings is around 10%.
  • E-sign – Certain companies will give a small break simply for signing digitally online.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.
  • New Car Discount – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Silhouette coverage depending on your company.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Safe Drivers – Insureds without accidents may save up to 50% more for Silhouette coverage than drivers with accidents.

Keep in mind that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.

To see a list of companies offering auto insurance discounts, click here to view.

Tailor your coverage to you

When buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs might need an agent’s assistance.

  • Are rock chip repairs covered?
  • Can my babysitter drive my car?
  • Does my 1997 Oldsmobile Silhouette need full coverage?
  • Is my cargo covered for damage or theft?
  • What can I do if my company denied a claim?
  • What happens if I owe more than my 1997 Oldsmobile Silhouette is worth?
  • Should I file a claim if it’s only slightly more than my deductible?

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, take a second and complete this form. It’s fast, free and may give you better protection.

Insurance coverage basics

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision – This will pay to fix damage to your Silhouette resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, scraping a guard rail, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Oldsmobile Silhouette.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like ambulance fees, X-ray expenses, rehabilitation expenses and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for liability – This protects you from damages or injuries you inflict on people or other property. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as repair bills for other people’s vehicles, court costs, structural damage and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, hail damage and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Quote more. Save more.

Insureds change insurance companies for any number of reasons including poor customer service, delays in responding to claim requests, delays in paying claims and even denial of a claim. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

Cheaper 1997 Oldsmobile Silhouette insurance is definitely available online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

In this article, we covered quite a bit of information on how to save on insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.

More detailed insurance coverage information is located at these sites: