View 1991 Buick Skylark Insurance Cost

Want the cheapest insurance rates for your Buick Skylark? Finding low cost insurance could be quite difficult for drivers who are beginners to online rate comparisons. You have so many companies to choose from that it can easily become a burden to lower your prices.

Buying car insurance is not rocket science. Just about everyone who is required by state law to have insurance stands a good chance to be able to lower their premiums. Although car owners can benefit by having an understanding of how companies market on the web and take advantage of how the system works.

Learn how to lower your insurance costs

Lots of factors are part of the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other criteria are more obscure like where you live or how safe your car is.

  • Good drivers pay better premiums – How you drive has a big impact on rates. Getting just one moving violation may increase your cost to the point where it’s not affordable. Good drivers receive lower rates as compared to careless drivers. Drivers who get severe violations like DUI or willful reckless driving may be required to maintain a SR-22 with the DMV in their state in order to keep their license.
  • Big city or small town – Being located in less populated areas is a positive aspect when trying to find low car insurance rates. People who live in big cities tend to have more aggressive driving styles and a longer drive to work. Fewer drivers and short commutes means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Lower deductibles cost more – Physical damage coverage, also called comprehensive and collision insurance, protects your Buick from damage. A few examples of covered claims would be a dented fender, collision with an animal, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend out-of-pocket if the claim is covered. The more money you pay before a claim is paid (deductible), the bigger discount you will receive on Skylark coverage.
  • Do you save by driving less? – The more you drive every year the higher your rates will be. Most insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Skylark is just wasting money. Double check that your vehicle rating shows the correct driver usage.
  • Filing claims can cost more – Companies award lower rates to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is intended for major claims that would cause financial hardship.
  • Better car insurance rates on safer vehicles – Safe vehicles cost less to insure. Safer cars result in less severe injuries and reduced instances of injuries translates into savings for insurance companies passed on to you as lower rates.

How to buy insurance

Effectively comparing insurance prices can be exhausting if you don’t understand the best way to get rate quotes. You can waste a few hours (or days) driving to insurance agencies in your area, or you can stay home and use the internet to achieve your goal.

Most major companies participate in a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a rated price based on that information. This eliminates the need for quotation requests to each individual insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to using this type of system is you don’t know exactly which providers to get pricing from. So if you prefer to pick from a list of companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just try to keep apples-to-apples coverage data for each quote you get. If you compare mixed coverages it will be very difficult to determine the lowest rate for your Buick Skylark. Even a minor difference in coverages may cause a big price difference. And when price shopping your coverage, getting more free quotes helps increase your odds of locating more affordable insurance.

Discounts to earn lower-cost insurance coverage rates

Buying insurance coverage is not cheap, but companies offer discounts that can dramatically reduce your bill. Most are applied at the time of quoting, but some discounts are required to be requested specifically before being credited. If you’re not getting every credit you qualify for, you are not getting the best rate possible.

  • Good Student Discount – This discount may save you up to 25%. The good student discount can last up to age 25.
  • Driver Training Discounts – Passing a course that instructs on driving safety could earn you a small percentage discount depending on where you live.
  • Student Discount for Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Discount for Swiching Early – A few companies offer discounts for buying a new policy before your current expiration date. This can save 10% or more.
  • Save with More Vehicles Insured – Having more than one vehicle on one policy can reduce rates for all insured vehicles.
  • Early Payment Discounts – If you pay your bill all at once rather than spreading payments over time you may reduce your total bill.

It’s important to note that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, companies wouldn’t make money that way.

Companies and the discounts they provide are outlined below.

  • GEICO discounts include federal employee, membership and employees, air bags, anti-theft, seat belt use, and five-year accident-free.
  • Auto-Owners Insurance offers premium reductions for multiple vehicles, paperless, teen driver, safe vehicle, anti-theft, and air bags.
  • American Family offers discounts for early bird, good driver, bundled insurance, mySafetyValet, accident-free, multi-vehicle, and defensive driver.
  • Esurance has discounts for paid-in-full, Pac-12 alumni, emergency road assistance, claim free, DriveSense, and defensive driver.
  • Progressive may offer discounts for multi-policy, multi-vehicle, online signing, good student, and online quote discount.
  • State Farm offers discounts including anti-theft, good driver, multiple autos, student away at school, safe vehicle, accident-free, and Drive Safe & Save.
  • AAA may include discounts for good student, anti-theft, education and occupation, multi-policy, and good driver.

It’s a good idea to ask every insurance company how you can save money. Savings may not apply to policyholders in your area. To locate companies that offer the discounts shown above, click this link.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Do I need motorclub coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is business equipment covered while in my vehicle?
  • What if I total my 1991 Buick Skylark and owe more than it’s worth?
  • Can I make deliveries for my home business?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Specific coverage details

Learning about specific coverages of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1991 Buick Skylark.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses for things like funeral costs, surgery, prosthetic devices, ambulance fees and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive protection – This coverage will pay to fix 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 claims like rock chips in glass, hail damage, vandalism, falling objects and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability – This will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like medical services, pain and suffering, structural damage and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This coverage covers damage to your Skylark from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, colliding with another moving vehicle, colliding with a tree, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

The bottom line

We just showed you many ways to lower your 1991 Buick Skylark insurance premium rates. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the lowest priced insurance coverage comes from a smaller regional carrier.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

People leave their current company for any number of reasons including delays in paying claims, delays in responding to claim requests, policy non-renewal or poor customer service. Whatever your reason, finding a great new company is not as difficult as it may seem.

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