There isn’t anyone who enjoys paying for car insurance, particularly when they could get a better deal. Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate all promote huge savings with fancy advertisements and it is difficult to ignore the propoganda and take the time to shop coverage around.
If you have insurance now or need new coverage, you can learn to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to learn the most efficient way to shop their coverage around over the internet.
Lots of things are part of the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but some are more obscure such as your marital status or how safe your car is.
Car insurance companies don’t list every discount they offer in a way that’s easy to find, so the list below gives a summary of both well-publicized and also the lesser-known discounts that you may qualify for.
As a disclaimer on discounts, most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will reduce your overall premium however.
To view insurance companies that provide some of the discounts listed above, follow this link.
When it comes to choosing the best car insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different so this has to be addressed. For instance, these questions might point out whether you may require specific advice.
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Knowing the specifics of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average auto insurance policy.
This covers damage to your LeSabre from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door, colliding with a tree and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.
Med pay and PIP coverage reimburse you for expenses such as hospital visits, funeral costs, pain medications and chiropractic care. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible
Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Buick LeSabre.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like hail damage, fire damage, hitting a bird, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
This provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.
Liability insurance covers claims such as funeral expenses, pain and suffering and structural damage. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.
When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. In many cases, an insured dropped uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The ultimate goal is to get the best coverage possible at the lowest possible cost, but do not skimp to save money.
We’ve covered a lot of ways to save on 1994 Buick LeSabre insurance. The most important thing to understand is the more you quote auto insurance, the better your comparison will be. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising. They often have lower car insurance rates on specific markets compared to the large companies like Progressive or GEICO.