Compare 1996 Buick Park Avenue Car Insurance Quotes

Want the cheapest car insurance rates for your Buick Park Avenue? Finding lower rates for car insurance is always nearly impossible for beginners to buying insurance online. Drivers have so many options available that it can easily become a big hassle to compare prices.

It’s smart to price shop coverage once or twice a year because insurance rates are constantly changing. Just because you had the lowest rates for Park Avenue insurance a year ago there may be better deals available now. Starting now, forget all the misinformation about car insurance because you’re going to get a crash course in the proper way to find better rates and still maintain coverage.

Locating the lowest cost coverage is simple if you know the tricks. In a nutshell, anyone who is shopping for insurance will be able to cut their insurance bill. But car owners must comprehend the way insurance companies determine prices.

Buick Park Avenue rates are in the details

Smart consumers have a good feel for the rating factors that go into determining the price you pay for insurance. Knowing what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • High crash test scores lower rates – Vehicles with high crash test scores get lower rates. Safer cars have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates. If your Buick is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Men pay higher rates – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men tend to get into accidents in similar numbers, but the men cause more damage. Men also statistically get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Save money with special equipment – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Consolidate policies to earn discounts – Most insurance companies give discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to shop around to ensure the best deal.
  • Your insurance rates can be influenced by your job – Careers like judges, social workers and financial analysts tend to pay higher average rates in part from high stress levels and long work hours. Conversely, occupations like scientists, engineers and retirees have the lowest average rates for Park Avenue insurance.
  • Policy add-ons can waste money – There are quite a few additional coverages that can waste your money on your insurance policy. Insurance for roadside assistance, accident forgiveness and membership fees are examples of these. They may seem good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Liability coverage protects you – The liability section of your policy is the protection if you are found liable for damages from an accident. It will provide legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Where you live is a factor – Choosing to live in small towns and rural areas is a positive aspect when buying insurance. Lower population means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Longer commute distances means higher likelihood of an accident.

Free Quotes for Insurance Coverage

All the larger insurance coverage companies such as State Farm and Allstate allow you to get insurance quotes on their websites. Getting online rates is fairly simple as you simply enter your coverage information as detailed in the form. Behind the scenes, their system will order credit information and your driving record and gives you a price quote based on many factors.

Online price quotes makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively complete many quote forms is monotonous and tiresome. But it is imperative to compare as many rates as possible if you are searching for a lower rate.

There is a better way!

The quickest way to find better insurance coverage pricing uses one simple form that analyzes rates from more than one company. It’s a real time-saver, requires much less work on your part, and makes rate comparisons much more efficient. After sending the form, it gets priced with multiple companies and you can pick any one of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

To quickly compare pricing, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you enter the limits and deductibles just like they are on your policy. This ensures you will have an apples-to-apples comparison using the same coverage and limits.

The insurance coverage bait and switch

Companies like State Farm and Allstate regularly use ads in print and on television. All the ads have a common claim that you can save if you move your policy. But how can every company make the same claim?

All the different companies have a preferred profile for the driver that is profitable for them. For instance, a profitable customer might be profiled as between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and therefore will save a lot of money.

Potential customers who fall outside these standards will have to pay higher rates which leads to the driver buying from a lower-cost company. The ads say “customers that switch” not “people who quote” save that kind of money. This is how companies can make those claims.

Because of the profiling, it is so important to compare many company’s rates. It is impossible to predict the company that will give you the biggest savings on Buick Park Avenue insurance.

Save with discounts on Buick Park Avenue insurance

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Most are applied when you purchase, but some must be asked about before being credited.

  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for Park Avenue insurance than their less cautious counterparts.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Auto/Home Discount – If you have multiple policies with the same company you will save approximately 10% to 15%.
  • 55 and Retired – Mature drivers may qualify for a discount up to 10% for Park Avenue insurance.

Keep in mind that most discounts do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down the amount you have to pay.

Insurance companies who might offer these benefits may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. Discounts may not be available in every state.

Tailor your coverage to you

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether you could use an agent’s help.

  • What is the difference between comprehensive and collision coverage?
  • When would I need rental car insurance?
  • Am I covered if hit by an uninsured driver?
  • Am I covered when driving in Canada or Mexico?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is other people’s property covered if stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?
  • How can I get high-risk coverage after a DUI?
  • When should I remove comp and collision on my 1996 Buick Park Avenue?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Educate yourself about insurance coverages

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for immediate expenses like ambulance fees, nursing services, chiropractic care, hospital visits and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, theft, hitting a deer, vandalism and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – This coverage can cover damage that occurs to people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like attorney fees, structural damage and loss of income. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage – This will pay to fix damage to your Park Avenue resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, colliding with a tree, hitting a parking meter, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

In conclusion

We covered a lot of ways to lower your 1996 Buick Park Avenue insurance rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even discover the lowest priced car insurance comes from the smaller companies.

Insureds who switch companies do it for any number of reasons including high rates after DUI convictions, not issuing a premium refund, delays in paying claims and even denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Cheap insurance can be purchased from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

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