I really doubt anyone likes paying for auto insurance, especially when they are paying too much.
Insurance companies such as Geico, Progressive and Allstate increase brand awareness with advertising and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
It’s smart to take a look at other company’s rates periodically because insurance prices tend to go up over time. Just because you found the best deal on LeSabre coverage at your last renewal a different company probably has better rate quotes today. Block out anything you think you know about auto insurance because we’re going to show you the right way to reduce your cost while increasing coverage.
The quickest method we recommend to compare rate quotes is to know most of the larger companies will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is provide information such as driver details, what you do for a living, if your license is active, and if you require a SR-22. Your information gets transmitted to multiple companies and they return rate quotes quickly.
Companies don’t always advertise every policy discount in a way that’s easy to find, so here is a list some of the more common and also the more inconspicuous discounts that you can inquire about if you buy insurance coverage online.
One thing to note about discounts is that many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky.
Companies that may include some of the above discounts may include but are not limited to:
When getting a coverage quote, ask each insurance company how you can save money. Some of the earlier mentioned discounts might not be offered in your area. To see a list of insurance companies that provide some of the discounts listed above, click here.
When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might help in determining whether your personal situation might need an agent’s assistance.
If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from insurance companies.
Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims like a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision coverages – This coverage pays for damage to your LeSabre resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims such as crashing into a building, backing into a parked car, scraping a guard rail, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.
Insurance for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses for hospital visits, prosthetic devices, pain medications and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Liability car insurance – This coverage will cover damage or injury you incur to people or other property. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability coverage pays for claims such as pain and suffering, attorney fees, legal defense fees, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.
Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Buick LeSabre.
Due to the fact that many 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.
Some companies do not offer rates over the internet and many times these smaller providers work with independent insurance agents. Cost effective 1992 Buick LeSabre insurance is possible online as well as from independent agents, so you need to compare both to have the best chance of lowering rates.
When you buy insurance coverage online, don’t be tempted to reduce coverage to reduce premium. In too many instances, an accident victim reduced full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.
If you have a good history and live near Raleigh, North Carolina, check out 21st Century. I saved quite a bit. Left Encompass to switch. Might find lower rates online.
Lots of useful info here. Checking in from Indianapolis, Indiana. Can’t remember who all I quoted but I ended up saving about $20 each month. Even increased coverage a bit. Just liability coverage since it’s getting old.
I’m in the suburbs of Dallas, TX. Got car insurance prices from Amica, Mercury, and a few others for my 1992 Buick LeSabre and I think I saved about $10 each month. Even increased coverage a bit. I think I’ll get rid of full coverage next time.
Quoted with Western Auto Insurance for my Buick and cut my rates about $80 a year. You can get a rate quote online.
I got a good deal I think. I live on the east side of Baton Rouge, Louisiana. I quoted with American Family, Mercury, and some smaller one I can’t remember the name of for my LeSabre and saved just over $110 a year. Insured with Farmers before. I think they have home insurance too. It was easy to get rates.
I’ve had GEICO for years. I’m in Norfolk, VA.
Live in Manchester, New Hampshire. Got quotes from MetLife, Erie, GEICO, and American Family for my Buick and I think I am saving around $30 each month. Wish I didn’t have to insure at all. I’m thinking about dropping full coverage though.
I live on the west side of Honolulu, HI. I quoted with State Farm, AAA, Farmers, and GMAC for my LeSabre and I’m now saving $20 a month. Was with Hartford. I get lower rates because of my clean driving record. I just carry liability insurance.
I got decent rates for a 1992 Buick LeSabre in Paterson, NJ. Ended up at darn near $120 every six months with AAA. Insured with AAA before.
I’m in Newark, DE, and Allstate rates were best.
Went with State Farm for my LeSabre and cut my rates about $110 a year. Insured with Hanover before. Bought it from an online quote.
Just my two cents. Live in the northern part of Bridgeport, Connecticut. Received prices from Travelers, Auto-Owners, Hanover, and Mercury for my Buick and saved just over $110 a year. Left Auto-Owners to switch. Even increased my liability limits. Not sure about claim service. Liability only on my LeSabre.
Live in Rochester, MN. I got free quotes from Western Auto Insurance, AIG Insurance, Hartford, and Safeco for my 1992 Buick LeSabre and saved about $60 a year. Insured with Auto-Owners before. Not sure if rates are cheaper online or not.
Liked the article. From Pittsburgh, PA. Got car insurance quotes with AIG Insurance, Nationwide, and some smaller one I can’t remember the name of for my 1992 Buick LeSabre and I think I saved around $20 each month. I’m a pretty low risk driver.