Compare 1994 Buick Skylark Car Insurance Quotes

Want lower car insurance rates? Drivers have a choice when trying to find low-cost Buick Skylark insurance. They can either waste time calling around trying to get quotes or use the internet to compare rates.

There are both good and bad ways to find car insurance online and you need to know the proper way to compare rates on a Buick and find the best price possible either online or from local insurance agents.

Free Quotes for Insurance Coverage

Finding a better price on insurance coverage is not rocket science. The only requirement is to invest a few minutes comparing rates provided by online insurance companies. This can be accomplished in several different ways.

  1. The recommended way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do repetitive form entry for each company you want a rate for. Just one form compares rates from many national carriers. This is perfect if you don’t have a lot of time.
  2. A harder way to compare rate quotes consists of going to the website of each company and complete a new quote form. For sake of this example, we’ll pretend you want rates from GEICO, Esurance and Travelers. To get rate quotes you would need to visit each site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming method to get comparison rates is driving around to insurance agents’ offices. Shopping for insurance coverage online makes this process obsolete unless you have a need for the trained guidance of a licensed agent. You can, however, compare online quotes and still use a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverage limits and deductibles with each company. If you are comparing higher or lower deductibles then you won’t be able to find the best deal for your Buick Skylark.

Auto insurance ads bend the truth

Consumers can’t ignore all the ads for car insurance savings by companies like Allstate and Progressive. They all seem to say the same thing that you can save if you change to them.

But how can every company make almost identical claims?

All companies can use profiling for the type of customer that makes them money. For instance, a desirable insured could be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” receives the best rates and therefore will save quite a bit of money when switching.

Consumers who are not a match for these standards will be charged more money and ends up with the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that much money. That is how companies can truthfully make those claims.

That is why it’s extremely important to get as many quotes as possible. Because you never know which auto insurance company will give you the biggest savings on Buick Skylark insurance.

These factors can influence what you pay for Buick Skylark insurance

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get better insurance rates.

Shown below are some of the items used by your company to calculate your rates.

  • Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Men and women have accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.
  • Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Pleasure use saves money – Driving more miles each year the higher your rate. The majority of insurers rate vehicles based upon how you use the vehicle. Cars used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money. If your policy improperly rates your Skylark can cost quite a bit.
  • Do you know your deductibles? – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Buick. Some examples of claims that would be covered would be running into the backend of another car, collision with an animal, and rolling your vehicle. Your deductibles are how much you are required to spend before a claim is paid by your company. The more expense the insured has to pay upfront, the lower your rates will be for Skylark coverage.
  • High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Buick earned at least four stars on or an “acceptable” rating on you may qualify for a discount.

Discounts to lower Buick Skylark insurance rates

Car insurance is not cheap, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be asked for prior to receiving the credit. If you don’t get every credit available, you are paying more than you should be.

  • Defensive Driving Course – Completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Senior Citizens – Mature drivers may qualify for better insurance rates for Skylark coverage.
  • Paperwork-free – A handful of insurance companies will give a small break for buying your policy over the internet.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Drive Less and Save – Keeping the miles down on your Buick can earn a substantially lower rate.
  • No Claims – Claim-free drivers pay less when compared to accident-prone drivers.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will reduce the amount you have to pay.

To see a list of providers offering insurance discounts, click here to view.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can help discover whether you would benefit from an agent’s advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Should I get collision insurance on every vehicle?
  • Is there coverage for injuries to my pets?
  • Do I have coverage when using my vehicle for my home business?
  • What is high-risk coverage and where do I buy it?
  • Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Insurance specifics

Knowing the specifics of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, hitting a bird, damage from getting keyed and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for nursing services, dental work, X-ray expenses, hospital visits and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Buick Skylark.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are set the same as your liablity limits.

Auto collision coverage

Collision insurance pays for damage to your Skylark resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a ditch. 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 choose a higher deductible to get cheaper collision coverage.

Liability coverage

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, emergency aid and structural damage. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Take this to the bank

In this article, we presented some good ideas how to lower your 1994 Buick Skylark insurance rates. The most important thing to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with the least-expected company.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced uninsured motorist or liability limits to discover at claim time that it was a big mistake. Your strategy should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Consumers switch companies for a number of reasons such as being labeled a high risk driver, unfair underwriting practices, delays in paying claims or even high rates after DUI convictions. Regardless of your reason, finding a great new company can be easier than you think.

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