2004 Oldsmobile Silhouette Car Insurance Quotes

Did you come to the realization that you have an expensive insurance policy? Say no more because you’re not alone.

There is such a variety of insurance companies to choose from, and even though it’s nice to be able to choose, more choices can make it harder to locate the cheapest rates.

Save a ton by receiving discounts

Some insurance providers do not list their entire list of discounts in a way that’s easy to find, so the list below details both well-publicized and the more hidden discounts that you can inquire about if you buy insurance coverage online.

  • 55 and Retired – Seniors are able to get a discount up to 10% on Silhouette coverage.
  • Multiple Policy Discount – When you have multiple policies and insure them both with the same insurance company you could save up to 20% off your total premium.
  • Defensive Driver Discount – Passing a course in defensive driver can save you 5% or more and make you a better driver.
  • Accident Forgiveness Coverage – Not necessarily a discount, but certain companies will turn a blind eye to one accident before raising your premiums if you have no claims for a certain period of time.
  • Memberships – Being in a professional or civic organization may earn a discount when getting a insurance coverage quote.
  • Distant Student – Children living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Save with a New Car – Buying a new car instead of a used car may earn a small discount compared to insuring an older model.
  • Telematics Data – Drivers that enable their company to scrutinize where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they have good driving habits.

Don’t be surprised that most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will help lower the premium cost.

Some of the insurance companies that possibly offer most of these discounts include:

When getting free insurance coverage quotes, it’s a good idea to all the companies to apply every possible discount. A few discounts may not apply to policies everywhere. For a list of insurance companies with discount rates, click this link.

Compare insurance coverage quotes online

Many insurance companies allow you to get prices from their websites. The process is pretty painless as all you need to do is type in the coverages you want into a form. After the form is submitted, their rating system collects your driving and credit reports and generates a price based on these and other factors. Quoting online makes comparing rates easy, but the work required to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it’s also necessary to do this if you are searching for the lowest possible prices on insurance coverage.

The preferred way to lower your rates utilizes a single form that obtains quotes from a bunch of companies at once. This type of form saves time, reduces the work, and makes quoting online much simpler. Immediately after submitting the form, it gets priced and you can choose any of the pricing results. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process takes just a few minutes to complete and could lower your rates considerably.

To find out how much you can save on insurance coverage, click here to open in new window and submit the form. To compare your current rates, we recommend you replicate the insurance coverages exactly as shown on your declarations page. This way, you’re receiving rate quotes using the exact same coverages.

Why you might pay lower rates

Many things are considered when premium rates are determined. Most are fairly basic such as your driving history, although some other factors are more obscure such as whether you are married or your vehicle rating.

The list below includes some of the factors used by insurance companies to determine prices.

  • Safety first – Safe vehicles are cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and better occupant protection translates directly to fewer claims which can mean better rates for you.
  • Buy as much liability coverage as you can afford – Liability coverage will protect you when you are ruled to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Rate your vehicle for proper use – The more you drive your Oldsmobile in a year the more you will pay for insurance. Many insurance companies apply a rate based on their usage. Cars used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. An incorrectly rated Silhouette can result in significantly higher rates. It’s always a good idea to double check that your insurance declarations sheet is rated on annual mileage.
  • Men drivers tend to cost more – The statistics show females are less aggressive when driving. That doesn’t necessarily mean that men are worse drivers. Females and males cause at-fault accidents in similar numbers, but guys cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like reckless driving and DUI. Male teenagers have the highest risk to insure and therefore pay the highest rates.

Your insurance coverage coverage should be tailored to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help highlight if your situation may require specific advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Is my 2004 Oldsmobile Silhouette covered for flood damage?
  • What is the rate difference between pleasure use and commuting?
  • Should I have combined single limit or split liability limits?
  • Should I buy only the required minimum liability coverage?
  • Why am I required to buy high-risk coverage?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Specific coverage details

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Coverage for collisions

Collision coverage will pay to fix damage to your Silhouette resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, driving through your garage door, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims such as emergency aid, loss of income and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for things like dental work, nursing services and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Oldsmobile Silhouette.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, fire damage, damage from flooding and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Have money to burn

While you’re price shopping online, you should never buy less coverage just to save a little money. There have been many situations where drivers have reduced liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Affordable 2004 Oldsmobile Silhouette insurance is possible from both online companies and with local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not offer rate quotes online and many times these smaller providers only sell through local independent agents.

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