Oldsmobile Silhouette Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Finding cheaper auto insurance on the web is easy and at the same time you can save money. The key is to take the time to get as many rate quotes as possible in order to have the best prices.

Consumers who are new to the process of comparison shopping may think purchasing cheap Oldsmobile Silhouette insurance is not very easy. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

What factors impact your insurance rates?

Car insurance premiums for an Oldsmobile Silhouette can vary widely based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your claim history
  • Having continuous coverage saves you money
  • Whether you rent or own your home

An additional factor which can affect Oldsmobile Silhouette insurance rates is the year of the vehicle. Newer models have a higher actual cash value than older models so repair costs are higher which can inflate annual premiums. Although newer models may have safety features included like a telematics system, lane departure warning system, and tire pressure monitors which can lower rates.

Liability car insurance - Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverages - This pays for damage to your Silhouette caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Oldsmobile Silhouette collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper Oldsmobile Silhouette insurance rates.

Comprehensive auto insurance - Comprehensive insurance pays for 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. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Med pay and PIP coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.

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