View 1998 Buick Park Avenue Insurance Rates

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as millions of other consumers. Numerous insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurer to find the lowest cost out there.

If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Buying car insurance is not rocket science. Vehicle owners just need to know the proper way to compare rates online.

How to Get Auto Insurance

All the larger auto insurance companies such as State Farm, GEICO and Progressive quote coverage price quotes directly from their websites. Getting online quotes is pretty easy as you simply enter the coverage amounts you desire as detailed in the form. When the form is submitted, their rating system automatically retrieves your driving record and credit report and returns a price. Online quotes streamlines rate comparisons, but the time required to go to multiple sites and type in the same information is repetitive and time-consuming. But it is imperative to compare as many rates as possible if you are searching for the lowest price.

The easy way to compare rates

The quickest way to locate the lowest prices uses one form that obtains quotes from several companies at one time. This type of form saves time, requires much less work on your part, and makes rate comparisons a lot less work. After sending the form, your coverage is rated and you can choose your choice of the quotes that you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.

If you want to find out what other companies charge, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you complete the form with deductibles and limits identical to your current policy. This guarantees you are getting a fair comparison for exact coverage.

Best discounts on Buick Park Avenue coverage

Companies offering auto insurance don’t list every available discount very well, so we researched some of the best known as well as the least known discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Park Avenue insurance than drivers with accident claims.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Senior Citizens – Older drivers may receive a discount up to 10% for Park Avenue insurance.
  • Paperless Signup – Certain companies will give a small break just for signing your application digitally online.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for Park Avenue insurance with a few auto insurance companies.
  • Auto/Life Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Club Memberships – Participating in a professional or civic organization is a good way to get lower rates when shopping for auto insurance for Park Avenue insurance.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • No Accidents – Drivers who don’t have accidents pay less when compared to drivers who are more careless.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of insurance companies offering auto insurance discounts, click here.

Buick Park Avenue insurance rates consist of many parts

Smart consumers have a good feel for some of the elements that come into play when calculating your insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in lower insurance prices.

  • Do men or women drive better? – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women have accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Where you reside plays a part – Residing in a rural area has it’s advantages when buying insurance. Urban drivers have congested traffic and longer commutes to work. Less people living in that area means fewer accidents and a lower car theft rate.
  • Being married can save on insurance – Getting married actually saves money on your policy. It means you’re more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Traffic violations increase rates – Your driving record has a lot to do with how much you pay for insurance. Drivers with clean records have lower premiums compared to drivers with tickets. Even one moving violation may increase your cost forty percent or more. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Do you know you’re credit rating? – Credit score is a large factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores. Therefore, if your credit score is low, you could potentially save money when insuring your 1998 Buick Park Avenue by improving your rating.

Tailor your coverage to you

When buying the right insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions can help discover whether you might need professional guidance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need rental car coverage?
  • Does liability extend to a camper or trailer?
  • Is a blown tire covered by insurance?
  • Do I need higher collision deductibles?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered if I hit a deer?
  • What is the ISO rating for a 1998 Buick Park Avenue?
  • When should I remove comp and collision on my 1998 Buick Park Avenue?
  • Are rental cars covered under my policy?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Specific coverage details

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for pain medications, chiropractic care and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Park Avenue caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, hitting a parking meter, sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Auto liability

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as legal defense fees, repair costs for stationary objects, structural damage and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, vandalism and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1998 Buick Park Avenue.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Online plus local equals savings

When you buy insurance online, don’t be tempted to buy less coverage just to save a little money. There are too many instances where an insured dropped physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

We just showed you some good ideas how you can save on 1998 Buick Park Avenue insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the best price on auto insurance is with some of the lesser-known companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

To read more, feel free to visit these articles: