No car owner loves paying for auto insurance, in particular when their premiums are too high. Big-name insurance companies like State Farm and Geico all claim big savings, bombarding you with catchy ads and it is difficult to sift through the bull and find the best price available.
If you are insured now or need a new policy, you can use these tips to get lower rates and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Vehicle owners only need to know the proper way to find the lowest price on the web.
The best way we recommend to compare rates is to know almost all companies actually pay money for the chance to give you rate quotes. All consumers are required to do is provide details like what your job is, if your license is active, whether you are single or married, and distance driven. Those rating factors is instantly sent to many of the top insurers and you will receive price estimates within a short period of time.
To compare rates for your 1997 Buick LeSabre now, click here then complete the form.
Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that can drop the cost substantially. Many discounts should be triggered when you purchase, but a few must be inquired about before you get the savings. If they aren’t giving you every credit you deserve, you are throwing money away.
Discounts save money, but please remember that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.
Larger auto insurance companies and some of the discounts are:
Before purchasing a policy, check with all the companies how you can save money. Discounts might not be offered on policies in your state. If you would like to choose from a list of providers that offer some of these discounts, follow this link.
When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can help discover if you would benefit from an agent’s advice.
If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.
Knowing the specifics of a insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.
Comprehensive or Other Than Collision
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as damage from getting keyed, theft, damage from a tornado or hurricane and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
This covers damage to your LeSabre caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things like hitting a mailbox, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.
This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of 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 very important. Usually the UM/UIM limits do not exceed the liability coverage limits.
Medical costs insurance
Med pay and PIP coverage kick in for bills for chiropractic care, rehabilitation expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage protects against things such as loss of income, medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.
When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. In many instances, an insured cut liability coverage limits only to find out that it was a big mistake. Your aim should be to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.
Cheaper 1997 Buick LeSabre insurance is definitely available on the web in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some auto insurance companies do not provide the ability to get quotes online and these small insurance companies work with independent agencies.
Additional detailed information can be read in the articles below: