1991 Buick Skylark Car Insurance Rates

Searching for the cheapest insurance coverage rates for your Buick Skylark? Price shopping your Driversinsurance coverage can seem to be slightly frustrating for drivers not familiar with comparing rates online. You have so many companies to choose from that it can be a chore to find the perfect company for you.

Choosing the best insurance company for you is not that difficult. In a nutshell, anyone who shops for auto insurance will be able to save money. But drivers do need to know how companies compete online and use this information to your advantage.

Insurance discounts help reduce rates

Insurance is not cheap nor is it fun to buy but you may find discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but some discounts are required to be requested specifically prior to getting the savings.

  • Seat Belt Discounts – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
  • Life Insurance – Select insurance companies reward you with a lower rate if you buy some life insurance too.
  • Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
  • Accident Free – Good drivers with no accidents have much lower rates when compared to accident-prone drivers.
  • Multiple Cars – Drivers who insure multiple cars or trucks on one policy can reduce rates for all insured vehicles.
  • Senior Discount – Older drivers could receive a small decrease in premiums on Skylark coverage.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Low Mileage – Keeping the miles down on your Buick may enable drivers to earn cheaper rates.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount should help reduce the amount you have to pay.

Large insurance companies and a summarized list of policyholder discounts are detailed below.

  • State Farm has discounts for safe vehicle, driver’s education, good driver, Drive Safe & Save, and defensive driving training.
  • Geico offers discounts including anti-lock brakes, membership and employees, multi-policy, good student, and multi-vehicle.
  • Progressive offers premium reductions for continuous coverage, online quote discount, good student, multi-policy, and homeowner.
  • 21st Century discounts include air bags, driver training, theft prevention, 55 and older, student driver, defensive driver, and anti-lock brakes.
  • American Family may offer discounts for defensive driver, early bird, mySafetyValet, good student, Steer into Savings, air bags, and TimeAway discount.
  • The Hartford has savings for vehicle fuel type, bundle, anti-theft, defensive driver, and air bag.
  • AAA offers discounts for education and occupation, multi-policy, good student, multi-car, AAA membership discount, anti-theft, and good driver.

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering the best way to save money. Some of the earlier mentioned discounts may not apply to policies in your area. If you would like to choose from a list of insurers offering insurance discounts, click this link.

How to buy auto insurance online

To find cheap insurance coverage quotes, there are several ways to compare rate quotes from many auto insurance companies in your state. By far the easiest way to do a complete rate comparison is to jump online and get quotes. This is very easy and can be done using a couple different methods.

  • The first (and easiest) way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form saves time by eliminating multiple quote forms for each price estimate. One quote request gets you coverage quotes from multiple companies. Recommended for those who want to invest the least amount of time.
  • A more difficult way to shop for auto insurance online is going to each individual company website and go through the quote process again. For instance, we’ll assume you are doing a rate comparison from Farmers, Safeco and Progressive. To find out each rate you need to go to every website and punch in your information repeatedly, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

However you get your quotes, double check that you are using apples-to-apples coverage information with every price quote. If each company quotes different deductibles it will be very difficult to find the best deal for your Buick Skylark. Even a minor difference in coverage limits can mean a large discrepancy in price. Just remember that obtaining a wide range of quotes will improve the odds of getting lower pricing.

Which is the best car insurance?

When choosing the best car insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight if you might need an agent’s assistance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I missing any policy discounts?
  • What is the minimum liability in my state?
  • What is the rate difference between pleasure use and commuting?
  • Does coverage extend to a rental car in a foreign country?
  • What is UM/UIM insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does medical payments coverage apply to all occupants?
  • Is business equipment covered while in my vehicle?
  • Do I need replacement cost coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages and their meanings

Understanding the coverages of insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills such as funeral costs, hospital visits, dental work, doctor visits and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision insurance

This will pay to fix damage to your Skylark resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a ditch, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, hitting a deer and theft. 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 removing comprehensive coverage.

Liability coverage

This will cover injuries or damage you cause to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, repair costs for stationary objects, structural damage, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

The best insurance company isn’t always the cheapest

Insureds leave their current company for many reasons like high rates after DUI convictions, questionable increases in premium, unfair underwriting practices and not issuing a premium refund. It doesn’t matter why you want to switch finding the right insurance provider can be easy and end up saving you some money.

When searching for inexpensive insurance coverage quotes, never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

A few companies may not provide the ability to get quotes online smaller companies only sell coverage through independent agents. Cheap 1991 Buick Skylark insurance can be found both online and with local insurance agents, and you need to price shop both to have the best selection.

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