1997 Buick Skylark Insurance Rates

Trying to find lower insurance rates for your Buick Skylark? Searching for low-cost insurance for your Buick Skylark can normally be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to shop for insurance so we’re going to tell you the proper way to compare rates for a Buick and find the lowest possible price from both online companies and local agents.

How to buy car insurance online

Most companies such as Progressive, GEICO, Allstate and State Farm allow consumers to get insurance quotes on their websites. Obtaining pricing is pretty painless as you simply enter into the form. Once entered, their rating system requests information on your driving record and credit history and returns a price based on these factors.

Being able to quote online makes it simple to compare prices but having to visit each company’s website and repetitively enter the same data into a form is monotonous and tiresome. But it is imperative to perform this step if you want to find the lowest price.

Rate comparisons made easy

A less time-consuming method to find cheaper rates uses one simple form that analyzes rates from many companies. It saves time, reduces the work, and makes rate comparisons a little more enjoyable. As soon as you send your information, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you complete the form with the limits and deductibles just like they are on your policy. Doing this guarantees you’re receiving rate comparison quotes using the same coverage and limits.

Insurance advertising tricks

Consumers constantly see and hear ads that claim the cheapest premium rates by companies like Progressive, GEICO, Allstate and State Farm. They all seem to advertise the message that drivers can save some big amount after switching your policy.

How does each company say the same thing? It’s all in how they say it.

All companies have an ideal profile for the type of insured that earns them the highest profit. A good example of this type of driver could possibly be between the ages of 30 and 45, owns a home, and insures a new vehicle. Anybody that matches those criteria will get low premium rates and is almost guaranteed to cut their rates if they switch.

Insureds who are not a match for this ideal profile will probably be forced to pay more expensive rates which leads to the prospect going elsewhere. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save that much. That is how companies can truthfully advertise the savings. This emphasizes why drivers should get as many free insurance coverage quotes as possible. It’s just not possible to know with any certainty which company will provide you with the cheapest rates.

Verify you’re getting every discount

Insurance is not inexpensive, but you can get discounts to help bring down the price. Most are applied when you purchase, but lesser-known reductions have to be inquired about prior to getting the savings.

  • Policy Bundle Discount – When you combine your auto and home insurance and place coverage with the same company you could get a discount of 10% to 20% off each policy.
  • Payment Discounts – If you pay your bill all at once rather than spreading payments over time you can avoid monthly service charges.
  • Driving Data Discount – Drivers who elect to allow their insurance company to scrutinize driving manner through the use of a telematics system such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
  • Multi-line Discount – Companies who offer life insurance give a small discount if you purchase life insurance from them.
  • Early Renewal Discounts – Some larger companies reward drivers for buying a policy prior to the expiration date on your current policy. This discount can save up to 10%.
  • Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Driver’s Ed – Require your teen driver to sucessfully take a drivers education course in school or through a local driver safety program.
  • Memberships – Participating in a professional or civic organization is a good way to get lower rates when getting a insurance coverage quote.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Skylark coverage than drivers with accidents.
  • Save with a New Car – Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for newer models.

Don’t be surprised that most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. So when it seems like all the discounts add up to a free policy, nobody gets a free ride.

A few of the larger companies and some of their more popular discounts are shown below.

  • GEICO may offer discounts for military active duty, seat belt use, defensive driver, emergency military deployment, federal employee, driver training, and daytime running lights.
  • Mercury Insurance has savings for accident-free, ease of repair, good student, good driver, and annual mileage.
  • Farmers Insurance includes discounts for early shopping, mature driver, distant student, bundle discounts, and homeowner.
  • Auto-Owners Insurance policyholders can earn discounts including anti-lock brakes, paperless, anti-theft, safe vehicle, and multi-policy.
  • Liberty Mutual has discounts for new vehicle discount, multi-policy, new move discount, newly retired, and safety features.
  • SAFECO may have discounts that include bundle discounts, teen safety rewards, safe driver, multi-car, anti-theft, anti-lock brakes, and accident prevention training.
  • Progressive offers discounts including good student, online signing, homeowner, online quote discount, multi-policy, and multi-vehicle.
  • USAA offers premium reductions for driver training, defensive driver, family discount, military installation, annual mileage, and good student.

Before buying, ask all the companies how many discounts you can get. Some of the earlier mentioned discounts might not apply in your state. If you would like to choose from a list of companies that offer some of these discounts, click this link.

When should I discuss my situation with an agent?

When buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if you might need an agent’s assistance.

  • What if I don’t agree with a claim settlement offer?
  • Can I afford low physical damage deductibles?
  • What can I do if my company won’t pay a claim?
  • Should I have combined single limit or split liability limits?
  • Is business property covered if stolen from my car?
  • Can my teen drive my company car?
  • Can I afford to buy a different vehicle if my 1997 Buick Skylark is totaled?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, hitting a deer and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses for prosthetic devices, surgery, funeral costs, EMT expenses and pain medications. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your 1997 Buick Skylark.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Coverage for liability

This coverage can cover damage that occurs to other people or property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like loss of income, bail bonds, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Auto collision coverage

This pays for damage to your Skylark resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

More choices the merrier

We just covered a lot of ways to compare 1997 Buick Skylark insurance prices online. The most important thing to understand is the more times you quote, the better likelihood of getting cheaper insurance coverage. Drivers may discover the best prices are with the smaller companies.

When shopping online for insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

Some insurance companies may not provide rates over the internet smaller providers prefer to sell through independent agents. Cheaper 1997 Buick Skylark insurance can be bought online and also from your neighborhood agents, so compare prices from both to get a complete price analysis.

Much more information about insurance coverage is available on the following sites: