How Much Does 2002 Buick Park Avenue Insurance Cost?

Trying to find the cheapest insurance for your Buick Park Avenue can normally be a lot of work, but you can use these tips to make it easier.

There is a better way to buy auto insurance and you need to know the absolute fastest way to price shop coverage for a Buick and find the lowest price from local insurance agents and online providers.

How much is car insurance?

Effectively comparing car insurance prices is a ton of work if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes for quick rates.

Many insurance companies enroll in a system where prospective buyers submit their information once, and each company returns a rated price determined by their information. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To find out how much you can save on car insurance click here (opens in new window).

One minor caviat to doing it this way is that you can’t choose which companies to get pricing from. If you wish to select from a list of companies for rate comparison, we have a page of low cost car insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but ensure you are comparing the exact same information for each price quote. If you are comparing differing limits it will be very difficult to determine which rate is truly the best.

Learn how to get auto insurance for less

Lots of things are considered when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but other factors are not as apparent such as whether you are married or your financial responsibility.

  • Annual miles is a factor – The more you drive your Buick in a year’s time the more you’ll pay to insure it. Many insurance companies calculate rates based on how the vehicle is used. Cars left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Park Avenue is just wasting money. Ask your agent if your policy is showing the correct driver usage.
  • Vehicle features that cut rates – Selecting a car model with advanced anti-theft systems can save you a little every year. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all hinder vehicle theft.
  • Lower rates by increasing deductibles – The deductibles you choose represent how much money you are required to spend if a claim is determined to be covered. Physical damage protection, also known as collision and other-than-collision, protects your car from damage. Examples of some claims that would be covered are colliding with a stationary object, vandalism, and having a roll-over accident. The more money the insured is willing to pay, the lower your rates will be on Park Avenue insurance.
  • How credit rating affects auto insurance prices – A driver’s credit score is a big factor in determining your rates. So if your credit history can be improved, you could potentially save money when insuring your 2002 Buick Park Avenue by spending a little time repairing your credit. People with high credit scores tend to be more responsible than those with lower ratings.
  • Liability protection limits are a factor – The liability section of your policy will provide protection if you are ruled to be at fault for damages from an accident. It will provide legal defense which can be incredibly expensive. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
  • Do you really need the add-on coverages? – Insurance policies have a lot of additional extra coverages that you can buy on your auto insurance policy. Coverages like roadside assistance, towing, and Farm Bureau memberships could be just wasting money. They may sound like good ideas when discussing your needs, but if you don’t need them eliminate them to save money.
  • Vehicles with better crash test results cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles reduce occupant injuries and any reduction in injury severity means less claims paid and thus lower rates.

Earn discounts to get lower-cost car insurance quotes

Car insurance is not cheap, but companies offer discounts that you may not know about. A few discounts will automatically apply when you purchase, but less common discounts must be asked about before being credited. If you don’t get every credit you deserve, you are paying more than you should be.

  • Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
  • Employee of Federal Government – Federal government employees can save as much as 8% on Park Avenue insurance with a few car insurance companies.
  • College Student – Any of your kids who live away from home at college and do not have access to a covered vehicle can receive lower rates.
  • Discount for New Cars – Buying a new car instead of a used car is cheaper due to better safety requirements for newer vehicles.
  • Discounts for Good Drivers – Accident-free drivers can save up to 40% or more on their insurance quote on Park Avenue insurance than drivers with accidents.

One last thing about discounts, some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky.

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

  • State Farm offers discounts including driver’s education, safe vehicle, multiple autos, Steer Clear safe driver discount, Drive Safe & Save, multiple policy, and accident-free.
  • American Family includes discounts for multi-vehicle, TimeAway discount, mySafetyValet, bundled insurance, early bird, air bags, and defensive driver.
  • AAA may offer discounts for good student, pay-in-full, multi-policy, education and occupation, AAA membership discount, good driver, and anti-theft.
  • GEICO offers discounts for driver training, military active duty, anti-theft, five-year accident-free, good student, seat belt use, and membership and employees.
  • Mercury Insurance policyholders can earn discounts including good student, accident-free, location of vehicle, type of vehicle, and annual mileage.
  • Farmers Insurance discounts include good student, electronic funds transfer, bundle discounts, teen driver, and homeowner.
  • Progressive has savings for homeowner, multi-policy, good student, online quote discount, and multi-vehicle.

Before buying, ask every insurance company which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in your area. For a list of insurance companies with discount car insurance rates, click here to view.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might point out whether you will benefit from professional help.

  • Am I covered when driving in Canada or Mexico?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I bundle my homeowners policy with my auto?
  • Does coverage extend to my business vehicle?
  • What if I total my 2002 Buick Park Avenue and owe more than it’s worth?
  • At what point should I drop full coverage?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages explained

Understanding the coverages of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for expenses like EMT expenses, doctor visits and dental work. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage – Collision insurance pays for damage to your Park Avenue resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, rolling your car, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, vandalism and theft. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability – Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as repair bills for other people’s vehicles, loss of income and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Stretch your dollar

As you quote insurance, it’s very important that you do not reduce needed coverages to save money. In many cases, consumers will sacrifice liability limits or collision coverage to discover at claim time that it was a big error on their part. Your goal should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

People leave their current company for any number of reasons including extreme rates for teen drivers, not issuing a premium refund, policy cancellation and poor customer service. It doesn’t matter what your reason, finding a new company is easier than you think.

In this article, we covered a lot of tips how to save on 2002 Buick Park Avenue insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may discover the lowest auto insurance rates are with some of the smallest insurance companies.

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