Insure a Oldsmobile Silhouette like a Penny Pincher
If finding cheaper car insurance was fun, we'd make the time to do it regularly. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Finding affordable coverage for your Oldsmobile Silhouette probably is no different.
Step One: Compare Apples-to-Apples Quotes
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Life has gotten easier!
All the major car insurance companies sell insurance for a Oldsmobile Silhouette and you can compare their rates by entering your information only one time.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Silhouette.
Step Two: How to Insure your Silhouette for Less
There are many factors that actually determine what you will pay for insurance, and some are completely within your control.
- Do you keep your credit rating in good shape? If you do, you will get a better rate than if you let your credit score slide. Check your credit score regularly to make sure there are few blemishes on your record.
- Consider raising your comprehensive and collision deductibles if you carry full coverage. By accepting more risk yourself, your car insurance company will cut you a break on your physical damage premiums.
- Filing too many claims with your company can end up either costing you more for insurance or having your policy cancelled. Insurance companies don't like paying any more than you do, but they have the option of whether to keep you as a policyholder or not.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Driver's safety courses will often get you a discount off your rates. Check to see if your company offers the discount and find a qualifying class in your area.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- Thieves tend to steal certain makes and models of vehicles more than others, and if your car is on that list, expect to pay higher insurance rates because of it.
- If you're a young driver, you will pay more to insure a Silhouette. There isn't anything you can do about your age, but rates will drop as you mature.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
Step Three: Buy the Policy That's Right for You
Once you have compared identical rate quotes for your Silhouette and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
If you're cancelling an old policy, make sure the new coverage starts the same day your old policy ends. This avoids any penalty for having a lapse in coverage which can cost you more.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. Your existing car insurance policy will give you some coverage if you buy a new or used Silhouette, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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