View 1997 Buick Skylark Insurance Cost

Searching for cheaper auto insurance rates for your Buick Skylark? Locating cheaper insurance for a new or used Buick Skylark can turn out to be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are more efficient ways to compare auto insurance rates so you’re going to learn the proper way to quote coverages for your Buick and locate the lowest price from both online companies and local agents.

It’s a good idea to price shop coverage quite often because prices tend to go up over time. Just because you found the lowest price on Skylark insurance on your last policy you will most likely find a better rate today. You can find a lot of misleading information regarding auto insurance on the internet, so by reading this article, you’re going to learn the best ways to reduce your auto insurance bill.

Compare Insurance Today

Finding cheaper 1997 Buick Skylark insurance prices is a fairly straight forward process. All that’s required is to spend a few minutes on the computer getting comparison quotes online from several insurance companies. This can be done in a couple of different ways.

  1. The first (and easiest) way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for boring form submissions to each individual insurance company. A single, simple form compares rates from several companies. It’s definitely the quickest method.
  2. A different way to shop for insurance online is to manually visit each company’s website and complete a new quote form. For sake of this example, let’s assume you want rates from Allstate, Liberty Mutual and GEICO. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

Which method you use is up to you, but be sure to compare identical coverages and limits on every quote. If each company quotes differing limits you will not be able to make an equal comparison.

Do you qualify for a discount?

Companies that sell car insurance don’t always advertise every available discount very clearly, so the following is a list of some of the best known and the harder-to-find savings tricks you should be using. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Accident Waiver – Some insurance companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Low Mileage Discounts – Keeping the miles down on your Buick can qualify you for better rates on cars that stay parked.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • New Car Discount – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Skylark insurance.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Government Employees – Simply working for the federal government can save as much as 8% on Skylark insurance with a few auto insurance companies.

Keep in mind that some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

To see a list of insurers with the best auto insurance discounts, click this link.

What coverages do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

For example, these questions might point out whether you may require specific advice.

  • If I drive on a suspended license am I covered?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need rental car coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • What if I total my 1997 Buick Skylark and owe more than it’s worth?
  • Are all vehicle passengers covered by medical payments coverage?
  • If my 1997 Buick Skylark is totaled, can I afford another vehicle?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Insurance coverages 101

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability insurance

Liability insurance will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things like repair bills for other people’s vehicles, attorney fees, emergency aid, bail bonds and court costs. How much coverage you buy is up to you, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1997 Buick Skylark.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, a tree branch falling on your vehicle, a broken windshield and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills such as EMT expenses, ambulance fees, chiropractic care, prosthetic devices and doctor visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay