1993 Buick Park Avenue Insurance Rates – 8 Savings Tips

Looking for the cheapest auto insurance rates for your Buick Park Avenue? Saving money on Driversauto insurance is always difficult for drivers who have little experience online insurance quotes. Consumers have so many options available that it can be a big hassle to find the best coverage rates.

It’s a great practice to check auto insurance prices as often as possible since insurance prices are constantly changing. If you had the lowest rates for Park Avenue coverage six months ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

Finding the best rates is quite easy. If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. But car owners can benefit from knowing how big insurance companies price insurance differently and apply this information to your search.

The quickest method we recommend to get rate comparisons is to know the fact most larger insurance companies pay for the opportunity to give you rate quotes. To get started, all you need to do is provide a small amount of information like if the vehicle is leased, driver ages, distance driven, and if you have an active license. Your details is instantly provided to multiple different insurance companies and they provide comparison quotes quickly.

Insurance coverage quotes and discounts

Some providers don’t always list every possible discount very clearly, so the next list breaks down some of the more common and also the lesser-known discounts that may be available.

• Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
• Multi-car Discount – Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
• First Accident Forgiveness – Not necessarily a discount, but some companies like Allstate and State Farm will let one accident slide without getting socked with a rate hike if your claims history is clear prior to the accident.
• 55 and Retired – Drivers that qualify as senior citizens can get a discount up to 10% for Park Avenue coverage.
• Resident Student – living away from home attending college and do not have access to a covered vehicle can receive lower rates.
• Employee of Federal Government – Being employed by or retired from a federal job may reduce rates when you quote insurance for Park Avenue coverage with certain companies.
• Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a lower price if you buy auto and life insurance together.
• Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts until age 25.

You can save money using discounts, but some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic.

Larger insurance coverage companies and their offered discounts can be found below.

• State Farm has savings for student away at school, multiple autos, anti-theft, driver’s education, and Steer Clear safe driver discount.
• Geico has discounts for seat belt use, emergency military deployment, air bags, daytime running lights, five-year accident-free, good student, and anti-theft.
• Progressive offers discounts for multi-vehicle, online quote discount, multi-policy, homeowner, good student, and continuous coverage.
• 21st Century policyholders can earn discounts including student driver, early bird, automatic seat belts, air bags, anti-lock brakes, driver training, and teen driver.
• American Family offers discounts including early bird, Steer into Savings, TimeAway discount, good student, bundled insurance, and mySafetyValet.
• The Hartford may offer discounts for good student, anti-theft, bundle, air bag, and defensive driver.
• AAA may include discounts for AAA membership discount, good driver, good student, multi-car, education and occupation, multi-policy, and pay-in-full.

When comparing rates, check with each company which discounts you may be entitled to. Some credits may not apply to policies in your area. To see insurance companies who offer free insurance coverage quotes, click this link.

Situations that may require an agent’s advice

When choosing the best insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions might point out if you may require specific advice.

• What can I do if my company denied a claim?
• Can I afford to pay high deductible claims out of pocket?
• Are rental cars covered under my policy?
• What are the financial responsibility laws in my state?
• Should I waive the damage coverage when renting a car?
• Do I pay less if my vehicle is kept in my garage?
• Is business property covered if stolen from my car?
• Am I covered when driving on a suspended license?
• Do I need added coverage for expensive stereo equipment?
• Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance policy coverages for a Buick Park Avenue

Having a good grasp of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, theft, rock chips in glass and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage will pay to fix damage to your Park Avenue resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, crashing into a ditch, sideswiping another vehicle, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Buick Park Avenue.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses like funeral costs, EMT expenses, dental work, nursing services and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Liability insurance

This coverage provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as funeral expenses, legal defense fees, bail bonds, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Do the work, save more money

We just showed you a lot of information how to save on 1993 Buick Park Avenue insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

Insureds switch companies for many reasons like high rates after DUI convictions, high prices, extreme rates for teen drivers and denial of a claim. No matter why you want to switch, switching auto insurance companies is easier than you think.

As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage for the lowest cost and still be able to protect your assets.

Other articles

• What to do at the Scene of an Accident (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)