2002 Buick LeSabre Car Insurance Rates – 10 Ideas for Cheaper Quotes

Looking for the cheapest car insurance rates for your Buick LeSabre? Finding cheaper car insurance might be slightly frustrating for drivers who are new to quoting coverage prices online. There are so many companies to choose from that it can quickly become more work than you anticipated to locate the lowest price.

It’s a good habit to do rate comparisons quite often because prices change regularly. Just because you had the best deal for LeSabre insurance last year the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because I’m going to teach you the fastest and easiest way to find better rates and still maintain coverage.

Ten discounts to earn cheap auto insurance rates

Car insurance companies don’t always list every possible discount in an easy-to-find place, so we break down some of the more common and also the lesser-known savings tricks you should be using when you buy insurance coverage online.

• Accident Forgiveness – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm may permit one accident before they charge you more for coverage if you have no claims for a set time period.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy a life policy as well.
• ABS Braking Discount – Vehicles that have anti-lock braking systems have fewer accidents and will save you 10% or more.
• Sign Early and Save – Some larger companies provide a discount for signing up prior to the expiration date on your current policy. It can save you around 10%.
• Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
• Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for LeSabre insurance.
• Multiple Cars – Purchasing coverage when you have all your vehicles with the same auto insurance company can reduce rates for all insured vehicles.
• Defensive Driving Course – Participating in a course that instructs on driving safety can save you 5% or more and make you a better driver.
• Military Discounts – Being on active duty in the military could be rewarded with lower rates.
• Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you could save up to 5%.

It’s important to note that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, you’re out of luck.

A list of auto insurance companies and their offered discounts are outlined below.

• State Farm may offer discounts for anti-theft, driver’s education, multiple policy, good driver, multiple autos, and accident-free.
• Esurance discounts include renters, good student, anti-lock brakes, emergency road assistance, good driver, and multi-car.
• Progressive may have discounts that include good student, multi-vehicle, multi-policy, continuous coverage, online quote discount, and homeowner.
• Liberty Mutual offers discounts for new vehicle discount, exclusive group savings, newly married, new move discount, and preferred payment discount.
• Auto-Owners Insurance offers premium reductions for anti-theft, safe driver, multiple vehicles, multi-policy, good student, and paperless.
• Geico includes discounts for multi-policy, multi-vehicle, emergency military deployment, defensive driver, membership and employees, and seat belt use.

Before purchasing a policy, check with every prospective company which discounts you may be entitled to. A few discounts might not be offered in your area. To see auto insurance companies with discount rates, click here.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions could help you determine if your situation may require specific advice.

• Am I insured when driving a different vehicle?
• Is a blown tire covered by insurance?
• Should I sign the liability waiver when renting a car?
• Is my state a no-fault state?
• Will I be non-renewed for getting a DUI or other conviction?
• Can I still get insurance after a DUI?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

The coverage is in the details

Having a good grasp of insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability coverage

This will cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, emergency aid and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Collision insurance

Collision coverage covers damage to your LeSabre resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, a tree branch falling on your vehicle and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like pain medications, doctor visits and funeral costs. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick LeSabre.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Stretch your dollar

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. Too many times, an insured dropped physical damage coverage only to regret that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at the best price and still be able to protect your assets.

Some insurance companies may not provide rates over the internet and most of the time these regional insurance providers prefer to sell through independent agencies. Cheaper insurance coverage is definitely available from both online companies in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money.

We just presented quite a bit of information on how to shop for 2002 Buick LeSabre insurance online. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the lowest prices come from a smaller regional carrier.

Additional information is located below:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Event Data Recorders FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• Auto Crash Statistics (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)