Lower Your 1991 Buick Skylark Car Insurance Quotes

Trying to find cheap insurance coverage might be challenging for beginners to buying insurance online. There are so many companies to choose from that it can be a real hassle to lower your prices.

Smart consumers take time to do price comparisons as often as possible because insurance prices are constantly changing. Even if you think you had the best quotes on Skylark coverage a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the easiest way to properly buy coverages while reducing your premium.

The purpose of this post is to instruct you on how to get online quotes. If you currently have car insurance, you will be able to reduce your rates substantially using these methods. Although vehicle owners can benefit from knowing how companies compete online and use this information to your advantage.

Get affordable car insurance with discounts

The price of auto insurance can be rather high, but you might find some hidden discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specifically requested before they will apply.

• Military Deployment Discount – Having a deployed family member could be rewarded with lower car insurance rates.
• Discounts for Government Workers – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance on Skylark coverage with select insurance companies.
• Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. This discount can apply up to age 25.
• Senior Citizen Discount – Drivers over the age of 55 may be able to get a discount up to 10% on Skylark coverage.
• Online Discount – Some of the larger companies will discount your bill up to fifty bucks get car insurance on the internet.
• Renewal Discounts – Some companies provide a discount for renewing your policy before your current coverage expires. You could save around 10% when you buy car insurance online.
• Discounts for Cautious Drivers – Insureds without accidents can save as much as half off their rates on Skylark coverage compared to accident prone drivers.
• Early Payment Discounts – By making one initial payment instead of paying each month you could save 5% or more.
• Defensive Driving Course – Successfully completing a defensive driving class is a good idea and can lower rates and make you a better driver.

A quick disclaimer, some of the credits will not apply the the whole policy. Most only apply to individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

A few of the larger companies and some of their more popular discounts are outlined below.

• Geico has discounts for seat belt use, emergency military deployment, anti-theft, five-year accident-free, membership and employees, air bags, and multi-policy.
• USAA offers premium reductions for multi-policy, military installation, safe driver, vehicle storage, annual mileage, loyalty savings, and multi-vehicle.
• Progressive may offer discounts for good student, multi-policy, homeowner, continuous coverage, multi-vehicle, and online quote discount.
• American Family offers discounts including Steer into Savings, defensive driver, TimeAway discount, early bird, and air bags.
• Esurance has savings for DriveSense, defensive driver, homeowner, multi-car, and Pac-12 alumni.
• Farmers Insurance discounts include homeowner, mature driver, multi-car, business and professional, and alternative fuel.
• State Farm may include discounts for multiple policy, multiple autos, Steer Clear safe driver discount, safe vehicle, defensive driving training, and Drive Safe & Save.

Before buying, ask each company which discounts you qualify for. Discounts might not be offered on policies in your area.

Where can I get the cheapest auto insurance?

There are several ways to shop for auto insurance, but some are easier and takes less work. You can waste hours talking about coverages with insurance agencies in your area, or you could save time and use the internet to get the quickest rates.

Many insurance companies belong to an insurance system that enables customers to complete one form, and each participating company then returns a price quote determined by their information. This prevents consumers from doing quote forms to every company.

To use this form to compare rates click here to open in new window.

The single downside to using this type of system is you can’t choose the insurers to get pricing from. If you prefer to choose specific providers to request quotes from, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just do your best to enter exactly the same coverage limits on every price quote you get. If you are comparing unequal deductibles or liability limits then you won’t be able to truly determine the lowest rate. Just slight variations in coverages may result in large price differences. And when price shopping your coverage, comparing a large number of companies increases your odds of finding lower pricing.

How insurance providers determine Buick Skylark insurance premiums

A large part of saving on insurance is knowing the factors that go into determining your premiums. When you know what positively or negatively influences your rates, this enables you to make decisions that may result in lower insurance prices.

Listed below are most of the major factors that factor into rates.

• Your spouse saves you money – Being married may save some money when buying insurance. Having a significant other demonstrates that you tend to be more mature than a single person and statistics prove married drivers tend to file fewer claims.
• If you don’t need it don’t buy it – There are a lot of add-on coverages that you can buy when buying insurance. Insurance for things like rental car coverage, towing coverage, and extra equipment coverage may be costing you every month. The coverages may be enticing when buying your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
• Do you have enough liability? – The liability section of your policy provides coverage if a court rules you are at fault for personal injury or accident damage. Your liability coverage provides for a legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.
• Lower rates by staying claim free – If you are the type of insured that files lots of claims you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies award better rates to people who only file infrequent claims. Your insurance policy is designed for larger claims.
• Cheaper to insure females? – Statistics demonstrate that men are more aggressive behind the wheel. The data does not necessarily mean that males are worse at driving than females. Women and men have accidents at a similar rate, but men tend to have higher claims. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving.
• Bad credit will cost you – Your credit history will be a significant factor in determining your rates. Consumers who have very high credit ratings tend to be more responsible and file fewer claims than those with poor credit. Therefore, if your credit could use some work, you could pay less to insure your 1991 Buick Skylark by taking the time to improve your credit score.
• Teen drivers are expensive to insure – Older drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.Inexperience drivers are proven to be easily distracted when behind the wheel therefore insurance rates are much higher.

Tailor your insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might help in determining whether you would benefit from professional advice.

• How high should my medical payments coverage be?
• Do I pay less for low miles?
• Will my insurance pay for OEM parts?
• Are my friends covered when driving my 1991 Buick Skylark?
• Does having multiple vehicles earn me a discount?
• How does medical payments coverage work?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance policy specifics

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 1991 Buick Skylark.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, hail damage, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays for damage to your Skylark resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, rolling your car, crashing into a building, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like rehabilitation expenses, nursing services and EMT expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance will cover damage that occurs to people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as structural damage, repair costs for stationary objects, attorney fees and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Final thoughts

Cheaper auto insurance is available online and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. A few companies do not offer online price quotes and most of the time these small, regional companies provide coverage only through independent agents.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret that they should have had better coverage. Your strategy should be to buy enough coverage for the lowest price but still have enough coverage for asset protection.

In this article, we covered many ideas to reduce 1991 Buick Skylark insurance rates online. The key thing to remember is the more price quotes you have, the higher your chance of finding the cheapest car insurance. You may be surprised to find that the best price on auto insurance is with some of the smallest insurance companies.

For more information, take a look at the resources below:

• Preventing Carjacking and Theft (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• Side Impact Crash Tests (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)