1995 Buick Park Avenue Insurance Rates
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UPDATED: Jun 12, 2015
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Looking for cheaper car insurance rates? Shoppers have options when shopping for the lowest priced Buick Park Avenue insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to compare rates.
There are more efficient ways to compare car insurance rates and we’ll show you the proper way to quote coverages on a Buick and get the lowest possible price from both online companies and local agents.
Some factors that can determine what Buick Park Avenue insurance costs
It’s important that you understand some of the elements that help determine the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.
The following are a few of the “ingredients” companies use to determine premiums.
- Liability insurance protects assets – Liability coverage is the protection in the event that a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not skimp.
- Pay less after the wedding – Being married actually saves money on car insurance. Having a spouse translates into being more mature and statistics show married drivers get in fewer accidents.
- Where you live – Choosing to live in small towns and rural areas can be a good thing when it comes to car insurance. Drivers who live in large cities have much more traffic and longer commute times. Fewer people means fewer accidents and also fewer theft and vandalism claims.
- Increase deductibles and save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Buick. A few examples of covered claims could be collision with another vehicle, collision with an animal, or theft. Physical damage deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you have to pay, the lower your rates will be for Park Avenue coverage.
- The more you drive the more you pay – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates than those used for commuting. Make sure your car insurance policy properly reflects the correct driver usage. Incorrect usage on your Park Avenue may be costing you.
- Never allow your policy to lapse – Allowing your car insurance policy to lapse is a guaranteed way to increase your car insurance rates. And not only will your rates increase, failure to provide proof of insurance will get you a revoked license or a big fine.
Discounts mean cheaper Buick Park Avenue insurance rates
The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied at the time of purchase, but a few must be asked for in order for you to get them. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
- Memberships – Affiliation with a civic or occupational organization may earn a discount when buying auto insurance for Park Avenue coverage.
- Early Switch Discount – Some companies give discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
- Driver Safety – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
- Resident Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
- No Accidents – Good drivers with no accidents can save substantially as compared to accident-prone drivers.
- Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance from them.
- Save over 55 – If you’re over the age of 55, you may be able to get reduced rates for Park Avenue coverage.
It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any amount of discount will cut the amount you have to pay.
For a list of providers who offer auto insurance discounts, click here to view.
Do drivers who switch really save $427 a year?
Consumers constantly see and hear ads for car insurance savings by State Farm and Allstate. All the companies have a common claim that you’ll save big if you switch to their company.
But how can every company make the same claim? This is how they do it.
All the different companies have a preferred profile for the right customer they prefer to insure. For example, a desirable insured could possibly be a mature driver, is a homeowner, and has excellent credit. A driver who meets those qualifications receives the best rates and is almost guaranteed to save when they switch companies.
Potential insureds who don’t meet these standards must pay higher premiums which usually ends up with the customer not buying. Company advertisements say “customers that switch” not “everyone that quotes” save money. That’s why insurance companies can advertise the savings.
This illustrates why drivers should compare many company’s rates. It’s impossible to know which company will give you the biggest savings on Buick Park Avenue insurance.
Tailor your coverage to you
When buying adequate coverage, there really is not a one size fits all plan. Each situation is unique.
Here are some questions about coverages that may help highlight if you might need professional guidance.
- Do I need replacement cost coverage?
- Should I buy additional glass protection?
- Do I need motorclub coverage?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Why am I required to buy high-risk coverage?
- What if I owe more than I can insure my car for?
- Am I covered if my car is in a flood?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.
Coverages available on your insurance policy
Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Liability insurance provides protection from damage that occurs to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for 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. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.
Liability can pay for things like bail bonds, legal defense fees, medical expenses and structural damage. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Buick Park Avenue.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are similar to your liability insurance amounts.
Collision coverage protection
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers things like driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like rock chips in glass, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage reimburse you for bills for things like prosthetic devices, rehabilitation expenses, hospital visits, dental work and nursing services. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Be Smart and Buy Smart
Throughout this article, we presented many tips how you can save on 1995 Buick Park Avenue insurance. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with some of the smallest insurance companies.
Lower-priced insurance can be bought from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut physical damage coverage only to find out that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at the best price.
Additional information is located at the links below
- Winter Driving (Insurance Information Insitute)
- Safe Vehicles for Teens (iihs.org)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Property Damage Coverage (Liberty Mutual)
- Tools for Teen Driving Safety (State Farm)
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