Cheap 2004 Buick LeSabre Car Insurance Cost

Consumers have options when looking for low-cost Buick LeSabre insurance. They can either waste time contacting agents getting price quotes or leverage the internet to compare rates. There is a right way and a wrong way to shop for insurance so you’re going to learn the quickest way to compare rates on a Buick and get the best price possible.

Do you qualify for discounts?

Insurance coverage is neither fun to buy or cheap, but companies offer discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you complete an application, but some must be specially asked for before being credited.

  • Multiple Policy Discount – If you can bundle your auto and home insurance with one insurance company you could earn a discount of up to 20% off your total premium.
  • Defensive Driving Course – Taking part in a defensive driver class could earn you a small percentage discount if your company offers it.
  • No Charge for an Accident – but certain companies may permit one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and will qualify for a discount on a insurance quote.
  • Organization Discounts – Participating in a qualifying organization could trigger savings when getting a insurance quote.

Please keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

Companies who may offer many of the previously listed discounts are:

It’s a good idea to ask every prospective company how many discounts you can get. Some discounts listed above may not apply in every state. To see providers with discount rates, click here to view.

Compare auto insurance quotes

There are several ways to compare auto insurance quotes, but some are more efficient than others. You can waste hours discussing policy coverages with local insurance agents in your area, or you could use the internet to get rates in a matter of minutes.

Many insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and at least one company then returns a price quote for coverage. This eliminates the need for repetitive form submissions for each company you want a rate for.

To compare rates using this form now click here to start a free quote.

The single downside to doing it this way is buyers cannot specifically choose which providers to get pricing from. If you would rather choose from a list of companies to compare, we have a listing of auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverages and limits for every quote you compare. If each company quotes different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Buick LeSabre.

Don’t assume everyone needs the same insurance coverage

When choosing adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might point out whether your personal situation will benefit from professional help.

  • Am I covered if I hit a deer?
  • Will filing a claim cost me more?
  • Am I covered when driving in Canada or Mexico?
  • What should my uninsured motorist coverage limits be in my state?
  • What can I do if my company won’t pay a claim?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Coverage specifics

Having a good grasp of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability coverages

This will cover damages or injuries you inflict on other’s property or people. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things like structural damage, loss of income and medical services. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Collision coverage protection

This will pay to fix damage to your LeSabre resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, damaging your car on a curb, backing into a parked car, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills such as EMT expenses, surgery, doctor visits and funeral costs. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle, damage from getting keyed and theft. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

One last thing

Cost effective 2004 Buick LeSabre insurance can be purchased both online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not offer price quotes online and many times these small insurance companies prefer to sell through independent agencies.

People change insurance companies for a variety of reasons including poor customer service, extreme rates for teen drivers, questionable increases in premium and even not issuing a premium refund. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.

As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. Too many times, someone sacrificed liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.

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Comments About 2004 Buick LeSabre Insurance

  1. Kerry Franks

    Liked the article. Live in the eastern part of Lincoln, Nebraska. Got car insurance quotes with Auto-Owners, Farmers, and Nationwide for my 2004 Buick LeSabre and cut my rates about $60 a year. Was with GMAC. Next renewal I’ll just do liability.

  2. Laurinda Stephens

    Is GEICO or Farmers cheap in Baton Rouge, Louisiana?

  3. Sindy Lawson

    Will Allstate do a SR22 in Maryland?

  4. Ashlyn Schmidt

    Lots of good stuff here. I live in Rio Rancho, New Mexico. Went online for free insurance quotes for a 2004 Buick LeSabre. Ended up at about $120 savings annually. Went with Allstate. I have several vehicles insured with them.

  5. Shanell Pace

    Mine is so expensive. From a town just southwest of Providence, RI. I got free quotes with American Family, Sentry, and USAA for my 2004 Buick LeSabre and saved just over $100 a year. You can get a rate quote online.

  6. Bertha Shannon

    Anyone find cheap rates around Rio Rancho, New Mexico?

  7. Tonya Goff

    Checking in from Fort Wayne, Indiana. Went online for free insurance quotes for a 2004 Buick LeSabre. Ended up at about $90 savings annually. Went with Allstate. I get lower rates because of my clean driving record. Can still barely afford it. I think I’ll get rid of full coverage next time.

  8. Desmond Chavez

    Great site. I’m in Birmingham, AL. Quoted with Amica, Sentry, and a few others for my LeSabre and I think I cut my rates about $20 each month. I dropped full coverage awhile back.

  9. Ariel Hanson

    Not sure if this is cheap. I live north of Albuquerque, NM. Got car insurance rates from Auto-Owners, Mercury, and a few others for my LeSabre and saved $69 a year. Have a couple speeding tickets too.

  10. Kassandra Frazier

    IT’S ALL TOO EXPENSIVE! Went with Hartford for my LeSabre and saved about $110 a year. BTW speeding tickets are not good. I got a quote from their website.