Cheap 1998 Buick Park Avenue Insurance Quotes

Feel like you’re a prisoner to an overpriced insurance policy? Believe me, you’re not alone. Because you have many different company options, it is very difficult to choose the lowest cost insurance company.

Lots of discounts mean lots of savings

Insuring your fleet can be pricey, buy you may qualify for discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be specially asked for before being credited. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Own a Home – Owning a house can help you save on car insurance because owning a home shows financial diligence.
  • Multi-policy Discount – When you have multiple policies with the same company you may earn approximately 10% to 15%.
  • Save over 55 – If you qualify as a senior citizen, you may receive a discount up to 10% on Park Avenue insurance.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Park Avenue insurance with a few car insurance companies.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Low Mileage Discounts – Keeping the miles down on your Buick could qualify for lower rates on the low mileage vehicles.
  • Defensive Driving Course – Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will help reduce the amount you have to pay.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

Why you might be paying too much to insure your Buick Park Avenue

Consumers need to have an understanding of the rating factors that help determine the price you pay for insurance. Understanding what influences your rates enables informed choices that could result in big savings.

The following are a few of the “ingredients” insurance companies consider when setting premiums.

  • Your age impacts your rates – More mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets. Young drivers have a tendency to be careless and easily distracted when driving and because of this, their insurance rates are much higher.
  • Do you know you’re credit rating? – A driver’s credit score is a big factor in determining your rates. If your credit rating is lower than you’d like, you could potentially save money when insuring your 1998 Buick Park Avenue by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit.
  • Do you need those extra coverages? – There are quite a few additional coverages that you can get tricked into buying when buying insurance. Coverages like personal injury protection, accidental death and motor club memberships are some examples. They may seem good when you first buy your policy, but if you don’t need them get rid of them and save.
  • Protect your assets with liability insurance – Liability insurance is the protection if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

Situations that might require an agent

When choosing proper insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • Do I need PIP coverage since I have good health insurance?
  • How do I buy GAP insurance?
  • Which is better, split liability limits or combined limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered by my spouse’s policy after a separation?
  • When should I remove comp and collision on my 1998 Buick Park Avenue?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverages and their meanings

Knowing the specifics of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.

Coverage for medical expenses – Med pay and PIP coverage pay for immediate expenses such as rehabilitation expenses, chiropractic care, surgery and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive auto insurance – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, hitting a deer, vandalism, hail damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance – This provides protection from damage that occurs to people or other property in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like repair costs for stationary objects, structural damage, pain and suffering, loss of income and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision coverages – Collision coverage pays for damage to your Park Avenue resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Be a smart shopper

Throughout this article, we presented some good ideas how to compare 1998 Buick Park Avenue insurance prices online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

When trying to cut insurance costs, never buy poor coverage just to save money. There have been many situations where consumers will sacrifice collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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