Sick and tired of not being able to afford to buy car insurance? You are in the same boat as many other consumers. Since consumers have many companies to choose from, it’s difficult to find the right insurance company.
Consumers need to take a look at other company’s rates yearly since insurance rates tend to go up over time. Despite the fact that you may have had the best price on Silhouette coverage last year there may be better deals available now. There is a lot of wrong information about car insurance online, so by reading this article, you’re going to learn the best ways to slash your car insurance rates.
Choosing the best insurance company for you is not that difficult. If you have car insurance now, you will most likely be able to save some money using these methods. Vehicle owners only need to know the proper methods to shop for car insurance on the web.
Discounts are great for lower rates
Companies offering auto insurance don’t always advertise every available discount very well, so we took the time to find both the well known and the more hidden car insurance savings. If you don’t get every credit available, you are paying more than you should be.
- Drivers Education – Require your teen driver to enroll in driver’s education in school.
- Student in College – Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
- Defensive Driving Course – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
- Homeowners Discount – Owning a house can save you money because of the fact that having a home shows financial diligence.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
- Service Members Pay Less – Having a deployed family member could mean lower rates.
- Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
- Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Silhouette coverage depending on your company.
- Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Silhouette coverage than drivers with accident claims.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
Drivers should understand that some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.
To choose insurers offering car insurance discounts, click here.
You may need specialized coverage
When buying proper insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.
- Will my vehicle be repaired with OEM or aftermarket parts?
- Do I need PIP (personal injury protection) coverage in my state?
- What happens if I owe more than my Oldsmobile Silhouette is worth?
- Can I pay claims out-of-pocket if I buy high deductibles?
- How high should my medical payments coverage be?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- What can I do if my company won’t pay a claim?
- Will I be non-renewed for getting a DUI or other conviction?
- Am I covered by my spouse’s policy after a separation?
- Does my liability insurance cover pulling a trailer or camper?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.
Advertising myths
Consumers constantly see and hear ads for car insurance savings by companies like Progressive, GEICO, Allstate and State Farm. All the ads make an identical promise about savings if you change to them.
How do they all claim to save you money?
All companies are able to cherry pick for the right customer that is profitable for them. An example of a desirable insured might be between 25 and 40, owns a home, and drives newer vehicles. Any new insured who fits that profile receives the best rates and as a result will probably save quite a bit of money when switching.
Potential customers who don’t qualify for these standards must pay higher prices and ends up with business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that much. This is how insurance companies can confidently make those claims. This illustrates why you absolutely need to get as many quotes as possible. It’s just too difficult to predict which insurance companies will have the lowest rates.
Best coverage at the best price
When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. In many instances, an insured dropped full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.
Budget-conscious Oldsmobile Silhouette insurance is definitely available on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.
We’ve covered a lot of information how to compare Oldsmobile Silhouette insurance prices online. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the best prices are with a small local company. Regional companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.
