2003 Oldsmobile Silhouette Insurance Quotes – 5 Policy Discounts

Trying to find lower car insurance rates for your Oldsmobile Silhouette? Searching for low-cost insurance for an Oldsmobile Silhouette can turn out to be a painful process, but you can use a few tricks to find lower rates.

There is a better way to find car insurance online so we’re going to tell you the proper way to compare rates for a new or used Oldsmobile and obtain the lowest possible price from local insurance agents and online providers.

You need to shop coverage around occasionally because prices are rarely the same from one policy term to another. Just because you had the lowest rates on Silhouette insurance on your last policy there may be better deals available now. Starting now, ignore everything you know about car insurance because you’re going to learn the only way to remove unneeded coverages and save money.

Locating the lowest cost auto insurance coverage is simple if you know the tricks. If you have a current auto insurance policy or are shopping for new coverage, you can learn to find the best rates and possibly find even better coverage. Vehicle owners only need an understanding of the tricks to compare company rates on the web.

Free Car Insurance Quotes

Reducing your 2003 Oldsmobile Silhouette insurance rates isn’t really that difficult. Drivers just need to spend a few minutes comparing rate quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  1. The single most time-saving way consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do separate quotes to each individual car insurance company. A single, simple form gets you price quotes from multiple companies. It’s definitely the quickest method.
  2. A more difficult way to obtain and compare quotes online requires visiting the website of each company to complete their respective quote request forms. For sake of this example, let’s say you want comparison quotes from Nationwide, Esurance and Geico. To find out each rate you need to go to every website and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same quote information on every quote you get. If you use different deductibles you can’t possibly make a fair comparison for your Oldsmobile Silhouette.

How much can you save with these five discounts?

Insurance can cost an arm and a leg, but there could be available discounts that many people don’t even know exist. Some trigger automatically at quote time, but a few must be manually applied prior to getting the savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance from them.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
  • Accident Free – Claim-free drivers can earn big discounts when compared to bad drivers.
  • Defensive Driving Course – Taking part in a driver safety course can save you 5% or more depending on where you live.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, it doesn’t quite work that way. But all discounts will cut your overall premium however.

To see a list of providers who offer car insurance discounts, click here to view.

How much car insurance do I need?

When choosing the best car insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions may help highlight if your situation would benefit from professional advice.

  • Am I better off with higher deductibles on my 2003 Oldsmobile Silhouette?
  • What is the difference between comprehensive and collision coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How can I get high-risk coverage after a DUI?
  • Is my camper covered by my car insurance policy?
  • Can I still get insurance after a DUI?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Is there truth in advertising?

Consumers get pounded daily by advertisements for car insurance savings from companies such as Geico, State Farm and Progressive. They all make an identical promise about savings if you switch your policy.

How does each company make the same claim? This is how they do it.

All companies are able to cherry pick for the type of customer that makes them money. An example of a driver they prefer could be between the ages of 30 and 50, is a homeowner, and has a high credit rating. Any driver who meets those qualifications receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who fall outside the “perfect” profile will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently make those claims.

This emphasizes why you absolutely need to compare many company’s rates. It’s not possible to predict which auto insurance company will have the lowest Oldsmobile Silhouette insurance rates.

Car insurance coverages for an Oldsmobile Silhouette

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability car insurance – This protects you from damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, repair bills for other people’s vehicles, loss of income and structural damage. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, a tree branch falling on your vehicle, vandalism and hitting a deer. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Oldsmobile Silhouette.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision – This coverage will pay to fix damage to your Silhouette from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, driving through your garage door, crashing into a building, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for expenses like prosthetic devices, nursing services and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Be a Smart Shopper

We just showed you a lot of techniques to shop for 2003 Oldsmobile Silhouette insurance online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the best prices are with a lesser-known regional company.

Cheaper insurance can be sourced both online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not provide online quoting and these regional insurance providers work with independent agents.

People switch companies for any number of reasons including poor customer service, questionable increases in premium, lack of trust in their agent and high prices. It doesn’t matter what your reason, finding the right insurance provider is actually quite simple.

More detailed insurance information is available at these sites: