Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 6, 2015

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Looking for lower insurance coverage rates for your Buick LeSabre? Did you come to the realization that you have an overpriced insurance coverage policy? Trust us, many drivers have buyer’s remorse. Insurance companies such as State Farm and GEICO increase brand awareness with advertising and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s a good habit to compare rates before your next renewal because prices are usually higher with each renewal. Despite the fact that you may have had the lowest quotes on LeSabre insurance six months ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding insurance coverage out there, but in just a couple of minutes you can learn some of the best ways to put money back in your pocket.

If you have insurance now or are just looking to switch companies, you can use these tips to find better prices and still get good coverage. Buying car insurance is not rocket science. Consumers just need to learn the most efficient way to get comparison quotes online.

Insurance quotes and discounts

Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so we break down some of the best known as well as some of the hidden discounts that you may qualify for.

  • Discounts for Multiple Vehicles – Buying coverage for all your vehicles on one policy can reduce rates for all insured vehicles.
  • Use Seat Belts – Forcing all vehicle occupants to buckle up could save 15% off the PIP or medical payment premium.
  • Professional Organizations – Having an affiliation with qualifying employment or professional organizations could qualify you for a break on your bill.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in high school.
  • Good Students Pay Less – Excelling in school can save 20 to 25%. The good student discount can last up until you turn 25.
  • Senior Discount – Seniors are able to get a small discount on rates on LeSabre insurance.
  • Responsible Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their insurance quote on LeSabre insurance as compared to drivers with claims.
  • New Vehicle Savings – Insuring a vehicle that is new can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.

A few popular companies and their offered discounts can be read below.

  • Progressive policyholders can earn discounts including online signing, homeowner, continuous coverage, good student, online quote discount, multi-policy, and multi-vehicle.
  • Farmers Insurance may have discounts that include distant student, switch companies, youthful driver, good student, homeowner, electronic funds transfer, and multi-car.
  • Farm Bureau offers discounts including multi-policy, renewal discount, multi-vehicle, 55 and retired, safe driver, youthful driver, and good student.
  • State Farm includes discounts for student away at school, accident-free, good driver, driver’s education, and Steer Clear safe driver discount.
  • GEICO may include discounts for multi-vehicle, military active duty, five-year accident-free, daytime running lights, emergency military deployment, and membership and employees.
  • SAFECO may offer discounts for anti-lock brakes, drive less, safe driver, teen safe driver, teen safety rewards, accident prevention training, and multi-car.
  • Liberty Mutual offers discounts for newly married, safety features, multi-policy, new graduate, hybrid vehicle, newly retired, and new vehicle discount.

When quoting, ask every company the best way to save money. Some of the discounts discussed earlier may not be offered in your area. To see insurers with the best discounts, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Situations that may require an agent’s advice

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether or not you will benefit from professional help.

  • Is pleasure use cheaper than using my 1990 Buick LeSabre to commute?
  • How much liability coverage do I need in my state?
  • What is medical payments coverage?
  • How do I insure my teen driver?
  • Do I really need UM/UIM coverage?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

What insurance coverages do you need?

Knowing the specifics of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees, medical expenses, bail bonds and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, a tree branch falling on your vehicle, hitting a bird and damage from flooding. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Buick LeSabre.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision protection

This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, crashing into a building, crashing into a ditch, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses for things like surgery, rehabilitation expenses, chiropractic care and ambulance fees. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Online plus local equals savings

Affordable 1990 Buick LeSabre insurance can be sourced from both online companies and from local agencies, so get free insurance quotes from both of them to get a complete price analysis. A few companies may not offer online price quotes and usually these smaller providers prefer to sell through independent insurance agents.

In this article, we presented a lot of techniques to save on 1990 Buick LeSabre insurance. The key concept to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from a small mutual company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

Much more information about car insurance is available at the links below