2001 Buick LeSabre Insurance Cost – 8 Savings Tips

Want better car insurance rates? Drivers have a choice when trying to find the best price on Buick LeSabre insurance. You can either spend your time calling around trying to get quotes or use the internet to find the lowest rates. There are both good and bad ways to find car insurance online and you need to know the proper way to get price quotes for your Buick and find the lowest possible price either online or from local insurance agents.

You need to price shop coverage before your policy renews since rates are rarely the same from one policy term to another. Just because you found the best deal for LeSabre insurance on your last policy other companies may now be cheaper. Ignore everything you know about car insurance because we’re going to demonstrate the only way to reduce your cost while improving coverage.

Car Insurance Prices

Cutting your car insurance rates doesn’t have to be difficult. You just need to spend a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

  1. The fastest way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for a different quote to each individual car insurance company. In just a few minutes this one form will return price quotes instantly. It’s the fastest way to compare.
  2. A less efficient way to get quotes online requires you to visit the website for each individual company and complete a new quote form. For sake of this example, let’s assume you want rates from Farmers, 21st Century and American Family. To get each rate you have to visit each site to input your insurance information, and that’s why the first method is more popular.

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

Whichever way you use, make sure you use identical coverage limits and deductibles on every quote. If each company quotes unequal deductibles or liability limits it will be very difficult to determine the best price for your Buick LeSabre.

Be sure to get all your discounts

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so we took the time to find both the well known as well as the least known insurance coverage savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Sign Early and Save – Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • Driver Safety – Successfully completing a driver safety course can save you 5% or more if your company offers it.
  • Good Student – Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Senior Citizens – Mature drivers may receive reduced rates for LeSabre insurance.
  • Resident Student – Kids in college who are attending college and do not have a car can be insured at a reduced rate.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for LeSabre insurance than drivers with accidents.
  • No Claims – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.

It’s important to understand that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies that may have these money-saving discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. Some discounts might not be offered in every state.

How do I know if I need professional advice?

When it comes to choosing coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can help discover whether your personal situation could use an agent’s help.

  • Why is insurance for a teen driver so high?
  • Is my Buick LeSabre covered if I use it for business?
  • Does coverage extend to a rental car in a foreign country?
  • Is my cargo covered for damage or theft?
  • Is business property covered if stolen from my car?
  • What can I do if my company won’t pay a claim?
  • If I drive on a suspended license am I covered?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Car insurance policy coverages for a 2001 Buick LeSabre

Understanding the coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as structural damage, repair bills for other people’s vehicles, medical expenses, loss of income and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick LeSabre.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a bird, a broken windshield and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like hospital visits, EMT expenses, dental work, prosthetic devices and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Shop smart and save

Low-cost 2001 Buick LeSabre insurance is attainable both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Insureds leave their current company for many reasons like being labeled a high risk driver, delays in paying claims, high prices and even lack of trust in their agent. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

We covered many tips how you can shop for insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the lowest priced insurance coverage comes from some of the lesser-known companies.

Additional information can be read on the following sites: