How Much Does 1996 Buick Skylark Insurance Cost?

Want lower car insurance rates for your Buick Skylark? Did you come to the realization that you have an overpriced car insurance policy? You’re preaching to the choir because there are a lot of people just like you who feel imprisoned by their car insurance policy.

Lots of auto insurance companies contend for your business, and it can be difficult to compare rates and get the definite best price available.

Where can I get affordable insurance coverage?

When looking for low cost insurance coverage quotes, there are a couple ways of comparing price quotes from different insurance companies. By far the easiest way to compare 1996 Buick Skylark insurance prices involves getting comparison quotes online. This is quite simple and can be completed in a couple of different ways.

  1. Experts agree that the best way to get quotes is a comparison rater form (click to open form in new window). This quick form prevents you from having to do repetitive form entry for each company. Just one form gets coverage cost estimates instantly.
  2. A more time consuming way to get quotes online requires visiting each individual company website and complete a new quote form. For examples sake, let’s say you want to get rates from USAA, Farmers and GEICO. In order to get each rate, you would have to navigate to each company’s site and repeatedly enter your information, which can get rather old.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but make sure you compare exactly the same coverage data on every price quote you get. If you compare different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that getting more free quotes helps improve the odds of finding the best offered rates. Not every company allows you to get online rate quotes, so it’s recommended that you also compare price quotes from them as well.

Car Insurance Discounts

Not too many consumers would say car insurance is affordable, but there are discounts available that can help lower your rates. Certain discounts will be applied when you quote, but some need to be specially asked for before you will receive the discount. If you do not double check each discount available, you’re paying more than you need to.

  • Multi-Vehicle Discounts – Purchasing coverage when you have all your vehicles with the same company can reduce the rates for all insured vehicles.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.
  • Defensive Driver – Taking a safe driver course can save you 5% or more if your company offers it.
  • Telematics Devices – Drivers who agree to allow companies to scrutinize driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they have good driving habits.
  • Buy New and Save – Insuring a vehicle that is new can cost up to 25% less because newer models have to meet stringent safety requirements.

Just know that some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Some companies that may offer policyholders these discounts may include but are not limited to:

If you need inexpensive insurance coverage quotes, ask every insurance company how many discounts you can get. Some discounts listed above might not be offered in your area.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions might point out whether you would benefit from an agent’s advice.

  • How do I file an SR-22 for a DUI in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Which is better, split liability limits or combined limits?
  • Do I have coverage when making deliveries for my home business?
  • How much can I save by bundling my policies?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Learn about insurance coverages for a Buick Skylark

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Comprehensive coverages – This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, hitting a bird, theft and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance – Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as pain and suffering, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision – This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, hitting a mailbox, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for medical payments – Med pay and PIP coverage pay for immediate expenses such as hospital visits, nursing services and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible