Lower Your 2004 Buick LeSabre Insurance Rates

Have you had enough of scraping the payment together to pay high insurance rates every month? You are in the same boat as many other drivers.

Consumers have multiple auto insurance companies to choose from, and although it’s a good thing to have a selection, it can be more difficult to locate the cheapest rates.

Discounts for lower-cost insurance rates

The price of auto insurance can be rather high, but there may be some discounts to cut the cost considerably. Most are applied at the time of purchase, but less common 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’re just leaving money on the table.

  • Passive Restraint Discount – Factory options such as air bags can receive discounts as much as 30%.
  • No Accidents – Drivers who don’t have accidents have much lower rates compared to drivers who are more careless.
  • Discount for Multiple Policies – If you insure your home and vehicles with one insurance company they may give you a discount of at least 10% off all policies.
  • Discount for Home Ownership – Being a homeowner can save you money because of the fact that having a home means you have a higher level of financial diligence.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% off the PIP or medical payment premium.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less for LeSabre coverage than drivers with accident claims.
  • Defensive Driver Discounts – Taking time to complete a driver safety class can save you 5% or more if you qualify.
  • Onboard Data Collection – Drivers who elect to allow their company to study where and when they drive by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as the data is positive.

It’s important to note that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, that’s just not realistic. But any discount will definitely reduce the premium cost.

If you would like to choose from a list of insurers that offer the discounts shown above, click here to view.

How to shop car insurance online

Comparing car insurance rates can be a lot of work if you don’t understand the most efficient way. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to quickly compare rates.

Most major companies belong to a marketplace where insurance shoppers only type in their quote data once, and each participating company can provide price quotes based on that data. This saves time by eliminating quote requests for every car insurance company.

To enter your information into the quoting system, click here to start a free quote.

The only drawback to getting quotes like this is that consumers can’t choose which insurance companies you want to price. So if you want to select individual companies to compare prices, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make absolute certain that you use the exact same coverage information with every price quote. If you are comparing unequal deductibles or liability limits it will be next to impossible to determine the best price for your Buick LeSabre. Quoting even small variations in coverages could mean much higher rates. And when comparison shopping, obtaining a wide range of quotes increases your odds of finding more affordable rates. Not every company allows you to get online price quotes, so you also need to get price estimates on coverage from those companies, too.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might help in determining whether your personal situation may require specific advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have coverage for damage caused while driving under the influence?
  • Exactly who is provided coverage by my policy?
  • Am I covered if I wreck a rental car?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when making deliveries for my home business?
  • What is the difference between comprehensive and collision coverage?
  • Is my trailer covered?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Educate yourself about insurance coverages

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Auto liability – Liability coverage will cover damages or injuries you inflict on other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like funeral expenses, repair costs for stationary objects, structural damage, legal defense fees and medical services. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick LeSabre.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liablity limits.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, damage from flooding, fire damage and a broken windshield. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Med pay and PIP coverage provide coverage for bills for things like EMT expenses, nursing services and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Make an honest buck

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

We just showed you quite a bit of information on how to shop for 2004 Buick LeSabre insurance online. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance coverage comes from a small mutual company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Geico and State Farm.

Even more information is available at these sites: