Did you make the mistake of buying an expensive auto insurance policy? Trust us, you’re not alone. You have multiple insurers to purchase coverage from, and although it’s a good thing to have a selection, having more car insurance companies makes it harder to find the best rates.
You need to compare premium rates before your policy renews because auto insurance prices change regularly. Even if you think you had the lowest quotes for LeSabre insurance on your last policy you will most likely find a better rate today. Forget all the misinformation about auto insurance because we’re going to demonstrate the best methods to find great coverage at a great price.
Pricing the cheapest auto insurance is not that difficult. If you are insured now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. Drivers just need to understand the most efficient way to compare rates online.
Not many people think insurance is cheap, but you may qualify for discounts that may help make it more affordable. Some trigger automatically when you complete an application, but occassionally some discounts must be specifically requested before you will receive the discount. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.
As a footnote on discounts, most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, that’s just not realistic.
A list of auto insurance companies and some of their more popular discounts include:
When quoting, ask all the companies which discounts can lower your rates. A few discounts may not apply to policies in your state. If you would like to see a list of auto insurance companies that offer many of these discounts, click here to view.
Shopping for lower car insurance rates can be exhausting if you aren’t aware of the best way to get rate quotes. You can waste a lot of time driving to agents in your area, or you can stay home and use the web to accomplish the same thing much quicker.
The majority of car insurance companies belong to a marketplace that enables customers to only type in their quote data once, and each company returns a competitive quote based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual car insurance company. To participate in this free quote system, click here to open in new window.
The single downside to doing it this way is you can’t choose the companies you want pricing from. So if you prefer to choose specific insurance companies to compare, we have a page of car insurance companies in your area. View list of insurance companies.
Whichever way you use, be sure you’re using the same quote data for every company. If each company quotes different deductibles it will be impossible to determine the lowest rate for your Buick LeSabre.
When buying the best auto insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that. For example, these questions could help you determine if your situation might need an agent’s assistance.
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.
Having a good grasp of your insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like dental work, funeral costs, prosthetic devices and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability insurance – Liability coverage will cover damages or injuries you inflict on other people or property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for claims like court costs, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from flooding. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision coverages – This coverage covers damage to your LeSabre caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as driving through your garage door, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.
UM/UIM Coverage – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Buick LeSabre.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.
When getting car insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. Too many times, an insured cut comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at the best cost while not skimping on critical coverages.
Some insurance companies do not provide online price quotes and many times these small insurance companies provide coverage only through local independent agencies. Budget-conscious 2003 Buick LeSabre insurance is available on the web and with local insurance agents, so you need to compare both to get a complete price analysis.
Much more information about insurance is located at these links: