1994 Buick Park Avenue Insurance Quotes – 6 Discounts for Cheaper Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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I can’t think of anyone who enjoys paying for auto insurance, in particular when the cost is too high.

Many insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company to find the absolute lowest cost out there.

Smart consumers take time to check auto insurance prices quite often due to the fact that insurance rates are constantly changing. If you had the best price on Park Avenue coverage a few years ago you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because it’s time to teach you the tricks you need to know to save money, get proper coverage and the best rates.

Compare Insurance Coverage Today

The are a couple different ways to compare rate quotes from local insurance coverage companies. The quickest method to find the cheapest 1994 Buick Park Avenue insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in several different ways.

The best way to get quotes would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating separate quotes for each company. One simple form will return quotes from several companies.

A harder way to get quotes online consists of visiting 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 Travelers. To get rate quotes you would need to go to every website to enter your coverage information, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

Whichever method you choose, make darn sure you compare identical coverage limits and deductibles with every price quote. If each company quotes different liability limits you can’t possibly find the best deal for your Buick Park Avenue. Slightly different coverages can make a big difference in price. Just remember that obtaining a wide range of quotes will enable you to find a better price.

Don’t overlook these six discounts

Companies do not advertise every discount in a way that’s easy to find, so we researched both the well known and the more hidden ways to save on insurance coverage.

  • Accident Forgiveness – A few companies will forgive one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Safe Drivers – Safe drivers can pay as much as 50% less on Park Avenue coverage than their less cautious counterparts.
  • Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Club Memberships – Affiliation with a professional or civic organization could trigger savings on insurance coverage on Park Avenue coverage.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Park Avenue coverage depending on your company.
  • Defensive Driver – Taking part in a driver safety course could cut 5% off your bill if you qualify.

It’s important to understand that most of the big mark downs will not be given the whole policy. Most cut individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies that may offer these benefits include:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not apply in your state.

Is my situation unique?

When buying adequate coverage, there really is no best way to insure your cars. Every situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered if hit by an uninsured driver?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When can my company non-renew my policy?
  • Will filing a claim cost me more?
  • Should I buy full coverage?
  • Should I waive the damage coverage when renting a car?
  • What is the ISO rating for a 1994 Buick Park Avenue?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Educate yourself about insurance coverages

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for immediate expenses for things like dental work, funeral costs, rehabilitation expenses and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverages – Collision insurance will pay to fix damage to your Park Avenue resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, scraping a guard rail, sideswiping another vehicle, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Liability car insurance – This will cover injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as medical services, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive auto coverage – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, hitting a bird and hitting a deer. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Don’t break the bank

Low-cost 1994 Buick Park Avenue insurance is available on the web and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

We’ve covered many ideas to save on insurance. The most important thing to understand is the more you quote, the better your comparison will be. You may be surprised to find that the most savings is with some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

For more information, link through to the following helpful articles:

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