1993 Buick LeSabre Car Insurance Cost – 9 Discounts for Best Prices

Sick and tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as the majority of other car owners. You have multiple insurance companies to pick from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to find the lowest cost provider.

Finding the best rates is not rocket science. If you currently have car insurance, you will be able to save some money using this information. Vehicle owners only need to know the best way to buy auto insurance over the internet.

Policy discounts you shouldn’t miss

Companies don’t necessarily list all available discounts in a way that’s easy to find, so we researched some of the best known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount available, you are throwing money away.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Low Mileage – Fewer annual miles on your Buick can earn better rates on cars that stay parked.
  • Resident Student – Children living away from home attending college without a vehicle on campus may be able to be covered for less.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company could earn a price break for each car.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on LeSabre insurance with select insurance companies.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on LeSabre insurance than less cautious drivers.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.

Keep in mind that most credits do not apply the the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way.

For a list of insurance companies who offer insurance coverage discounts, follow this link.

Insurance agents can help

When buying coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique so this has to be addressed. For example, these questions could help you determine if your situation will benefit from professional help.

  • How many claims can I have before being cancelled?
  • Should I put collision coverage on all my vehicles?
  • How much can I save by bundling my policies?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is PIP insurance?
  • Am I covered when driving a rental car?
  • How do I insure my teen driver?
  • What can I do if my company won’t pay a claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my state a no-fault state?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Beware of misleading auto insurance ads

Consumers constantly see and hear ads that promise big savings from companies such as State Farm and Allstate. They all have a common claim of big savings if you switch your policy.

How do they all make almost identical claims?

Insurance companies can use profiling for the type of customer that is profitable for them. For instance, a profitable customer might be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who matches those parameters will get very good rates and as a result will probably pay quite a bit less when switching companies.

Consumers who do not match these standards will be charged higher rates and ends up with the customer not buying. The ads say “people who switch” not “everyone that quotes” save that much. That is how insurance companies can claim big savings. That is why drivers should get as many comparisons as possible. It is impossible to predict which insurance companies will fit your personal profile best.

Coverage specifics

Learning about specific coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for immediate expenses for surgery, ambulance fees, pain medications and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, vandalism and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability – Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like legal defense fees, repair bills for other people’s vehicles, emergency aid, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Collision coverages – Collision insurance pays for damage to your LeSabre from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, hitting a mailbox, hitting a parking meter, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Buick LeSabre.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

In any little way, save everyday

You just learned a lot of techniques to save on 1993 Buick LeSabre insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the most savings is with some of the lesser-known companies. Some small companies often have lower prices on specific markets than their larger competitors like Allstate and Progressive.

Affordable insurance can be sourced online and also from your neighborhood agents, so compare prices from both to have the best selection. Some insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

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