Lower Your 1997 Buick LeSabre Insurance Rates

Looking for cheaper car insurance rates for your Buick LeSabre? I can’t think of anyone who looks forward to paying for car insurance, in particular when the cost is way too high. Insurance companies such as Geico, Progressive and Allstate constantly bombard you with advertising and consumers find it hard to see past the corporate glitz and find the best price available.

You should make it a habit to get comparison quotes at least once a year because rates change regularly. Even if you got the lowest price on LeSabre insurance six months ago you will most likely find a better rate today. Forget all the misinformation about car insurance because we’re going to demonstrate the best methods to save money, get proper deductibles and limits, all at the lowest rate.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t necessarily list every available discount in a way that’s easy to find, so we break down both the well known as well as the least known auto insurance savings. If you aren’t receiving every discount available, you are throwing money away.

  • Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts of up to 25% or more.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Auto/Life Discount – Some companies give a break if you buy life insurance.
  • Low Mileage – Fewer annual miles on your Buick could qualify for lower rates on the low mileage vehicles.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

For a list of insurance companies with discount auto insurance rates, click this link.

The easiest way to compare rates is to understand most of the larger companies will pay a fee to give rate comparisons. The one thing you need to do is provide details including your occupation, the ages of drivers, how much education you have, and how much coverage you want. The rating information is instantly provided to insurance carriers in your area and you will get price comparisons immediately.

To compare rates now, click here and find out if lower rates are available.

Situations that might require an agent

When choosing the best insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • When should I remove comp and collision on my 1997 Buick LeSabre?
  • Is my babysitter covered when using my vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • Why do I only qualify for high-risk insurance?
  • What can I do if my company won’t pay a claim?
  • Does coverage extend to a rental car in a foreign country?
  • Can I drive in Mexico and have coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I afford to buy a different vehicle if my 1997 Buick LeSabre is totaled?
  • Will filing a claim cost me more?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance coverages explained

Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Buick LeSabre.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability

This provides protection from injuries or damage you cause to other people or property. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as repair costs for stationary objects, court costs and medical services. How much coverage you buy is your choice, but consider buying as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses like doctor visits, funeral costs and nursing services. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, hitting a deer, theft and fire damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

Collision insurance pays for damage to your LeSabre caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

A penny earned…

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. There are many occasions where an insured dropped full coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Affordable 1997 Buick LeSabre insurance can be purchased both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Even more information is located by following these links: