1997 Buick Park Avenue Insurance Quotes

Being forced to pay for overpriced insurance coverage premiums can consume your budget and maybe even restrict other spending. Shopping your coverage around can save money and help to cut your insurance bill.

Vehicle owners have many insurance companies to purchase coverage from, and though it is a good thing to be able to choose, too many choices makes it more difficult to find the lowest cost provider.

You need to get comparison quotes occasionally because prices trend upward over time. Just because you had the lowest rate on Park Avenue coverage six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the quickest way to find better coverage at a better price.

Insurance rate influencing factors

Multiple criteria are used when you get your auto insurance bill. Some are pretty understandable like an MVR report, but other factors are more obscure such as your marital status and annual miles driven.One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that play a part in calculating your premiums. When consumers understand what determines premiums, this helps enable you to make changes that will entitle you to better insurance rates.

The following are some of the most common factors used by companies to determine your premiums.

  • Your spouse saves you money – Walking down the aisle can actually save you money on your insurance bill. Marriage means you’re more stable financially and statistics show married drivers get in fewer accidents.
  • Combine policies with the same company – The majority of companies afford better rates to buyers that buy multiple policies such as combining an auto and homeowners policy. The discount can be ten percent or more. Even if you already get this discount, it’s still a good idea to compare rates to verify if the discount is saving money. It’s possible to still find better rates even if you have your coverage with different companies
  • Lower rates by increasing physical damage deductibles – Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Examples of some claims that would be covered are a windshield shattered by a rock, damage caused by hail, and windstorm damage. Comprehensive and collision coverage deductibles define the amount you are required to spend if the claim is covered. The more damage repair cost you have to pay, the less your insurance will be on Park Avenue coverage.
  • Responsible drivers pay less – Your driving record influences premium rates substantially. Having just one moving violation may cause rates to rise by twenty percent. Drivers with clean records pay lower auto insurance prices as compared to those with violations. Drivers with dangerous violations such as DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 form to the state department of motor vehicles in order to prevent their license from being revoked.
  • Policy add-ons can waste money – Insurance policies have a lot of extra bells and whistles that you can get tricked into buying if you aren’t diligent. Add-on coverages like replacement cost coverage, accident forgiveness, and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they’re wasting money get rid of them and save.
  • Women tend to take less risk – Statistics have proven that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. Both genders have accidents in similar numbers, but men have accidents that have higher claims. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving.

Finding insurance coverage

To find cheaper car insurance quotes, there are several ways to compare quotes from local insurance coverage companies. The recommended way to do a complete rate comparison is to jump online and get quotes. It’s really quite simple and can be done in just a few minutes using one of these methods.

The easiest and least time consuming way to find low rates is a comparison rater form (click to open form in new window). This quick form eliminates the need for repetitive form entry for every prospective company. Taking the time to complete one form gets you coverage quotes instantly.

Another way to find more affordable insurance consists of visiting each company’s website and request a quote. For instance, let’s say you want to view quotes from Auto-Owners, State Farm and Progressive. To get each rate you have to go to each individual site to enter your coverage information, which can get rather old.

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

The least efficient way to price shop rates is driving around to local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you prefer the trained guidance of a local agent. Although, it is possible get the lowest quotes online and have a local agent actually service the policy.

It’s up to you which method you use, but do your best to enter equivalent coverage limits with every price quote. If you use unequal deductibles or liability limits then you won’t be able to determine which company has the best rates. Just a small difference in limits could mean much higher rates. And when price shopping your coverage, quoting more increases the change that you will find a lower rate.

Insurance coverage myths debunked

State Farm and Allstate constantly bombard you with ads in print and on television. All the ads tend to make the same promise that you’ll save big just by switching to them. That’s great but how can every company lower your car insurance rates? It’s all in the words they use.

Most companies have a certain “appetite” for the driver that makes them money. One example of a profitable risk profile may need to be between the ages of 30 and 50, has never had a policy lapse, and has a high credit rating. Any customer that fits those parameters will probably get the lowest rates and as a result will probably save if they switch.

Potential customers who do not meet the “perfect” profile may be forced to pay higher premium rates and this results in the driver buying from a lower-cost company. If you listen closely, the ads state “drivers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way companies can make claims that they all have the best rates. Because of this risk profiling, you should get as many free car insurance quotes as possible. You cannot predict which insurance coverage company will have the best prices at this point in time.

Discounts to earn cheap insurance rates

Car insurance companies don’t always advertise every disount available in an easy-to-find place, so the following list contains both well-publicized in addition to some of the lesser obvious discounts that you may qualify for.

  • Membership in Organizations – Participating in a civic or occupational organization is a simple method to lower premiums on insurance.
  • Discounts for Multiple Vehicles – Insuring primary and secondary vehicles on one policy can get a discount on all vehicles.
  • Discount for Low Mileage – Low mileage vehicles can qualify you for discounted premium rates on garaged vehicles.
  • Auto/Life Discount – Some insurance companies give a discounted rate on car insurance if you buy auto and life insurance together.
  • Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and leave their car at home could get you a discount.

A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky.

Companies and a partial list of their discounts include:

  • Mercury Insurance includes discounts for multi-car, location of vehicle, ease of repair, multi-policy, annual mileage, good student, and anti-theft.
  • Farmers Insurance may include discounts for teen driver, electronic funds transfer, mature driver, business and professional, multi-car, and switch companies.
  • Farm Bureau policyholders can earn discounts including good student, renewal discount, driver training, multi-vehicle, 55 and retired, and multi-policy.
  • State Farm discounts include Steer Clear safe driver discount, defensive driving training, Drive Safe & Save, passive restraint, multiple policy, and student away at school.
  • Allstate has discounts for senior citizen, new car, safe driver, premier discount, and anti-lock brakes.
  • Geico has savings for five-year accident-free, good student, seat belt use, anti-theft, federal employee, and defensive driver.

It’s a good idea to ask every insurance company what discounts are available to you. All car insurance discounts might not apply in your area. If you would like to see a list of insurance companies who offer insurance discounts, click here.

Tailor your car insurance coverage to you

When choosing coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Should I buy full coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when using my vehicle for business?
  • Are my friends covered when driving my car?
  • How do I file an SR-22 for a DUI in my state?
  • Who is covered by my policy?
  • Does coverage extend to Mexico or Canada?
  • Can I rate high risk drivers on liability-only vehicles?
  • When would I need rental car insurance?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverage options for a Buick Park Avenue

Knowing the specifics of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by car insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like prosthetic devices, hospital visits and dental work. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a ditch, hitting a mailbox and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Buick Park Avenue.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, theft, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance

This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as court costs, medical services and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Feed the piggy bank

When getting car insurance quotes online, never buy less coverage just to save a little money. There are many occasions where an insured cut collision coverage and found out when filing a claim that it was a big mistake. Your objective should be to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

Discount 1997 Buick Park Avenue insurance is available from both online companies and from local agencies, and you should compare rates from both to have the best rate selection. Some insurance providers don’t offer price quotes online and these regional insurance providers sell through independent agencies.

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