Lower Your 1993 Buick Skylark Insurance Rates

Shoppers have many options when shopping for affordable Buick Skylark insurance. You can either spend your time contacting agents to compare prices or utilize the internet to get rate quotes.

There are more efficient ways to buy insurance and we’ll show you the quickest way to get price quotes for a Buick and obtain the lowest possible price from both online companies and local agents.

If you have a policy now or are looking for a new policy, you can use this information to find better prices while maintaining coverages. This article will let you in on the most effective way to quote insurance and some money-saving tips. Vehicle owners only need to know the proper methods to compare rates online.

Compare the Market for Insurance

Getting a cheaper price on 1993 Buick Skylark insurance can be relatively painless. Drivers just need to take the time to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The fastest way to find low rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do repetitive form submissions to each individual insurance company. Taking the time to complete one form will return quotes from insurance companies with the best prices. It’s definitely the quickest method.
  2. A more time consuming way to compare prices requires a visit to each company website and request a quote. For example, let’s assume you want rates from USAA, GEICO and American Family. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
  3. The most time-consuming method of getting rate comparisons is to spend time driving to insurance agents’ offices. Buying insurance online makes this process obsolete unless you prefer the personal advice of a licensed agent. However, consumers can compare online quotes and still use a local agent and we’ll cover that in a bit.

Which method you use is up to you, but ensure you are comparing exactly the same coverage limits with every price quote. If your comparisons have different liability limits you will not be able to truly determine the lowest rate.

Get lower rates on Buick Skylark insurance

Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be inquired about in order for you to get them. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Defensive Driving Course – Taking a course in driver safety could cut 5% off your bill if you qualify.
  • Clubs and Organizations – Being a member of certain professional organizations could qualify you for a break when shopping for insurance for Skylark insurance.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will cut your premiums.

For a list of companies offering insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • Do I need medical payments coverage since I have good health insurance?
  • Is my Buick Skylark covered if I use it for business?
  • When should I not file a claim?
  • What is the ISO rating for a 1993 Buick Skylark?
  • Should I buy additional glass protection?
  • How much can I save by bundling my policies?
  • Do I pay less for low miles?
  • Do I need more liability coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

What determines your Buick Skylark insurance premium

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

Shown below are a few of the “ingredients” companies use to determine prices.

  • Claim-free discounts can add up – Insurance companies award cheaper rates to people who are claim-free. If you file claims often, you can expect either a policy non-renewal or much higher rates. Auto insurance is designed for larger claims.
  • Your job and insurance rates – Careers like judges, executives and accountants have higher rates than average attributed to high stress levels and lengthy work days. On the flip side, occupations such as pilots, athletes and retirees get better rates for Skylark insurance.
  • Your age impacts your rates – Teenage drivers have a tendency to get distracted easily when driving so car insurance rates are higher. If you’ve ever had to add a youthful driver onto a policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and receive fewer citations.
  • One company can mean more discounts – Most car insurance companies provide better rates to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to compare other company rates to ensure the best deal.
  • A lapse in coverage is a bad thing – Driving without insurance is against the law and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, getting caught without coverage might get you a license revocation or jail time.You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Don’t get talked into coverage you don’t need – There are many extra coverages that you can get tricked into buying on your car insurance policy. Things like vanishing deductibles, accidental death and term life insurance may be wasting your money. They may seem good at first, but if they’re wasting money remove them from your policy.

Auto insurance coverage options for a Buick Skylark

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Auto collision coverage

This covers damage to your Skylark resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, vandalism, damage from a tornado or hurricane and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Skylark.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills like EMT expenses, surgery, chiropractic care, rehabilitation expenses and doctor visits. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

This protects you from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like bail bonds, medical expenses and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage on a shoestring budget

Insureds leave their current company for a variety of reasons including questionable increases in premium, policy cancellation, poor customer service or delays in paying claims. Regardless of your reason, finding a new company is not as difficult as it may seem.

Affordable 1993 Buick Skylark insurance is available both online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. In many instances, someone sacrificed liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at an affordable rate.

Much more information about auto insurance can be found at these links: