1998 Buick Park Avenue Insurance Cost

Wish you could get out of overpriced insurance? You’re preaching to the choir because there are lots of people in the same boat.

Due to the abundance of insurance companies to choose from, it is very difficult to choose the cheapest insurer.

Finding the best rates is quite easy. If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. But drivers can benefit by having an understanding of the methods companies use to market on the web and take advantage of how the system works.

Compare free insurance rate quotes

All the larger insurance companies make it easy to get coverage price quotes on the web. Getting quotes is fairly straightforward as you simply type in the coverage amounts you desire as requested by the quote form. After you complete the form, the quote system obtains your driving record and credit report and returns a price quote based on these factors. This makes it easy to compare insurance prices but having to visit a lot of sites and type in the same information can be a bit repetitive. Unfortunately, it is important to get many rate quotes in order to get a better rate.

The easiest way to lower your insurance bill utilizes a single form that obtains quotes from more than one company. The form is fast, eliminates form submissions, and makes comparison shopping a lot less work. Immediately after submitting the form, your coverage is rated and you can choose any or none of the quotes that you receive. If you find a better price it’s easy to complete the application and purchase the new policy. The entire process takes just a few minutes to complete and you’ll know if lower rates are available.

If you want to compare rates using this form now, click here to open in new window and enter your information. If you have coverage now, it’s recommended you copy the insurance coverages just like they are on your policy. This guarantees you will be getting a fair comparison based on the exact same insurance coverage.

Do you qualify for discount insurance?

Some insurers do not advertise every possible discount very well, so the list below contains both the well known in addition to some of the lesser obvious credits that may apply to you.

• Cautious Driver Discount – Safe drivers can get discounts for up to 45% lower rates for Park Avenue insurance as compared to drivers with claims.
• Student Discounts – Excelling in school can save 20 to 25%. The discount lasts up to age 25.
• Early Renewal Discounts – Some companies give discounts for switching policies prior to your current policy expiring. This discount can save up to 10%.
• Air Bags and Passive Restraints – Factory air bags may get savings of 25 to 30%.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.
• Active Service Discounts – Being deployed in the military can result in better insurance rates.
• Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on a single policy can get a discount on all vehicles.
• Online Discount – A handful of companies will give you a small discount for signing up online.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, companies wouldn’t make money that way.

If you would like to view companies offering insurance discounts, follow this link.

Buick Park Avenue insurance prices can be cheaper

Lots of factors are part of the calculation when premium rates are determined. Some factors are common sense such as your driving record, but other criteria are not as apparent such as your credit history or your vehicle rating.

• More policies can equal more savings – Some insurers apply lower prices to customers that have more than one policy in the form of a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s still a good idea to get quotes from other companies to confirm you are receiving the best rates possible.
• Cheaper premiums with safer cars – Safer cars tend to have lower insurance rates. Safe vehicles help reduce the chance of injuries in an accident and lower injury rates translates into savings for insurance companies and thus lower rates.
• Rates may be lower depending on your job – Occupational choices like fire fightersair traffic controllers and accountants have higher rates than the rest of us attributed to intense work requirements and extremely grueling work hours. Other occupations like scientists, students and the unemployed get better rates for Park Avenue insurance.
• Keep insurance claims to a minimum – If you tend to file frequent claims, you can expect increased rates or even have your policy non-renewed. Auto insurance companies give the best rates to policyholders who are not frequent claim filers. Insurance coverage is designed for major claims that would cause financial hardship.

What insurance coverages do I need?

When choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can help discover whether you would benefit from professional advice.

• Is my vehicle covered by my employer’s policy when using it for work?
• Which companies will insure high-risk drivers?
• Do I have coverage when making deliveries for my home business?
• When should my teen driver be added to my policy?
• Do I have coverage when using my vehicle for my home business?
• Should I buy additional glass protection?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Insurance advertising tricks

Big name companies like State Farm, Geico and Progressive constantly bombard you with television, radio, and online ads. All the companies try to convey promises that you can save if you change your policy. That’s great but how can every company claim to save you money? You have to listen carefully.

Companies have underwriting criteria for a prospective insured that will not have excessive claims. A good example of a desirable insured might be over age 30, has no claims, and has great credit. Any new insured that meets those criteria gets the lowest prices and as a result will probably save when switching.

Insureds who fall short of the requirements may receive higher prices which results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” can save as much as they claim. That’s why companies can truthfully make those statements. Because of the profiling, you absolutely need to get auto insurance quotes from several different companies. Because you cannot predict the company that will provide the lowest auto insurance rates.

What auto insurance coverages do you need?

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by auto insurance companies.

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, rock chips in glass, hitting a deer and damage from flooding. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like surgery, nursing services and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Park Avenue from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability

This coverage will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things such as attorney fees, repair bills for other people’s vehicles, court costs, emergency aid and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Quote often and quote early

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. Too many times, someone sacrificed collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

The cheapest 1998 Buick Park Avenue insurance is attainable from both online companies as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers may not have internet price quotes and most of the time these regional carriers provide coverage only through independent insurance agencies.

More detailed insurance information can be found at these sites:

• Credit Impacts Car Insurance Rates (State Farm)
• Side Impact Crash Tests (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)