Cheap 2001 Buick Park Avenue Car Insurance Rates

Want cheaper auto insurance rates for your Buick Park Avenue? If you are new to online auto insurance, there’s a good chance you are bewildered by the sheer number of online auto insurance companies and websites offering coverage.

Shop insurance coverage online

Comparing insurance coverage rates can take time and effort if you aren’t aware of the easiest way. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use the web for quick rates.

Many of the larger companies belong to an insurance system where insurance shoppers submit their information once, and each company can give them a price for coverage. This saves time by eliminating quotation requests to every company.

To enter your information into the quoting system, click here to start a free quote.

The only drawback to pricing coverage this way is you are unable to specify which providers you want to price. So if you prefer to pick from a list of companies to compare rates, we put together a list of the cheapest insurance coverage companies in your area. Click here to view list.

Whichever way you choose to compare rates, compare the same coverage limits and deductibles on every quote you get. If you compare different data it will be nearly impossible to determine the lowest rate for your Buick Park Avenue. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that comparing all the rates in your area helps increase your odds of locating a better price. Some insurance companies are not set up to provide online price quotes, so you should also compare prices from the smaller companies as well.

Does insurance advertising bend the truth?

Insurance companies such as Allstate and Progressive continually stream television and radio advertisements. They all seem to make the same claim that people will save after switching your coverage. How is it possible that every company can lower your premium rates?

All companies can use profiling for the type of driver that will add to their bottom line. An example of a profitable risk profile could be between 30 and 50, has no tickets, and drives a car with an anti-theft system. Any customer that meets those criteria receives the best prices and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t meet these stringent criteria may receive a more expensive rate which leads to the prospect going elsewhere. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save that kind of money. This is how companies can make the claims of big savings. Different companies use different criteria so drivers should compare price quotes frequently. It’s just too difficult to predict the company that will fit you best based on your risk profile.

Cheaper rates by taking advantage of discounts

Properly insuring your vehicles can get expensive, but you may find discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at quote time, but some need to be manually applied before being credited. If you aren’t receiving every discount available, you could be getting lower rates.

  • Homeowners Pay Less – Owning a house may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
  • Discount for Swiching Early – Some companies provide a discount for buying a policy before your current policy expires. It can save you around 10%.
  • College Student – Youth drivers who attend college more than 100 miles from home and don’t have a car can receive lower rates.
  • Discount for Life Insurance – Larger insurance companies have lower prices if you buy a life policy as well.
  • Low Miles Discount – Low mileage vehicles may enable drivers to earn discounted prices on garaged vehicles.
  • Club Memberships – Being in a professional or civic organization could trigger savings on your bill.
  • Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course in school.
  • Student Discounts – Being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the PIP or medical payment premium.

Don’t be surprised that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will help lower your overall bill.

A partial list of companies that may offer most of the discounts above include:

If you need cheaper car insurance quotes, ask every company which discounts you qualify for. Savings may not apply in your area. To see a list of auto insurance companies with the best discounts, click here.

How much auto insurance do I need?

When choosing proper insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • What is UM/UIM insurance?
  • Do I need motorclub coverage?
  • Is my teenager covered with friends in the car?
  • Is extra glass coverage worth it?
  • Who is covered by my policy?
  • Why do I only qualify for high-risk insurance?
  • Can my teen drive my company car?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Auto insurance policy specifics

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your 2001 Buick Park Avenue.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision coverage covers damage to your Park Avenue from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, sideswiping another vehicle, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverage

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things such as medical services, court costs, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as prosthetic devices, pain medications, dental work and ambulance fees. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, a broken windshield, rock chips in glass, hitting a bird and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

More comparisons equals lower rates

You just learned a lot of tips how to lower your 2001 Buick Park Avenue insurance rates. The key thing to remember is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even find the most savings is with some of the lesser-known companies.

When getting car insurance quotes online, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured cut comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

People leave their current company for any number of reasons including high prices, being labeled a high risk driver, questionable increases in premium or even extreme rates for teen drivers. Whatever your reason, choosing a new insurance company can be easy and end up saving you some money.

Much more information about auto insurance is located at these links: