1998 Buick LeSabre Car Insurance Cost – 9 Ways to Save

Looking for cheaper car insurance rates for your Buick LeSabre? Car insurance shoppers not familiar with comparing auto insurance prices on the internet will find buying inexpensive insurance coverage is more work than they anticipated.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you should be able to reduce your rates substantially using these methods. But car owners benefit from understanding the way companies determine prices.

How to buy insurance

There are several ways to compare insurance prices but some are more efficient than others. You can waste hours discussing policy coverages with agents in your area, or you can utilize the internet to accomplish the same thing much quicker.

Many of the larger companies take part in a program that enables customers to enter their policy data once, and at least one company returns a competitive quote determined by their information. This saves time by eliminating quote forms to each individual insurance company.

To find out how much you’re overpaying now click here to open in new window.

The only drawback to doing it this way is you are unable to specify which companies you will receive quotes from. If you wish to select specific providers to receive pricing from, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be sure you’re using equivalent deductibles and coverage limits on every price quote you get. If each company quotes unequal deductibles or liability limits it will be nearly impossible to get a fair rate comparison. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparing insurance rates, know that comparing a wide range of rates increases your odds of finding the best offered rates. Not every company allows you to get prices over the internet, so it’s important to compare prices from them, too.

Different people need different insurance coverage coverages

When choosing coverage, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can help discover if you may require specific advice.

  • If my 1998 Buick LeSabre is totaled, can I afford another vehicle?
  • Does liability extend to a camper or trailer?
  • Do I have coverage if my license is suspended?
  • Do I pay less for low miles?
  • What is medical payments coverage?
  • Is my 1998 Buick LeSabre covered for flood damage?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form.

Car insurance policy specifics

Understanding the coverages of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability coverage – This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see 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 a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as medical services, bail bonds, structural damage, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Buick LeSabre.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for bills such as dental work, funeral costs, nursing services and hospital visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage will pay to fix damage to your LeSabre resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, crashing into a ditch, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from flooding, fire damage and hitting a bird. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.