1996 Buick Park Avenue Insurance Quotes – 9 Tips for Best 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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Trying to find better insurance prices for a Buick Park Avenue could be an all-consuming task, but you can follow our auto insurance buying tips and make it easy.

There is a right way and a wrong way to compare auto insurance rates and you need to know the absolute fastest way to get price quotes for your Buick and get the lowest price.

It’s smart to compare prices yearly because insurance rates fluctuate regularly. Despite the fact that you may have had the best rates for Park Avenue coverage two years ago there is a good chance you can find better rates now. So just ignore everything you know about auto insurance because you’re going to learn the fastest way to properly buy coverages and cut your premium.

Pricing affordable coverage is not that difficult. If you are insured now or are looking for a new policy, you will benefit by learning to find better prices while maintaining coverages. Consumers just need to know the most efficient way to compare price quotes online.

Cheap Insurance Coverage Comparisons

Finding cheaper 1996 Buick Park Avenue insurance coverage prices is actually quite simple. All you need to do is take time to get quotes online with multiple companies. This is very easy and can be done in several different ways.

  1. The easiest and least time consuming way to find low rates is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for repetitive form entry for each company. Just one form gets you coverage quotes from multiple low-cost companies. This is by far the quickest method.
  2. A more difficult way to find lower rates is going to the website for each individual company and fill out their own quote form. For instance, we’ll pretend you want to compare Allstate, State Farm and Liberty Mutual. To find out each rate you need to go to every website to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just compare identical coverage information for every company. If you use unequal deductibles or liability limits it’s impossible to make an equal comparison.

How to reduce 1996 Buick Park Avenue insurance rates

Insurance can be prohibitively expensive, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be manually applied prior to receiving the credit. If you don’t get every credit available, you are paying more than you should be.

  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Auto/Life Discount – Some companies give a break if you buy life insurance.
  • Clubs and Organizations – Participating in a civic or occupational organization could trigger savings when shopping for insurance for Park Avenue coverage.
  • Bundle and Save – If you insure your home and vehicles with one company you may earn at least 10% off all policies.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Passive Restraint Discount – Factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Buick can qualify you for better rates on cars that stay parked.
  • No Claims – Claim-free drivers can save substantially when compared with drivers who are more careless.

It’s important to note that many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, you’re out of luck. But all discounts will cut your overall premium however.

To see a list of insurers with discount insurance rates, click this link.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight if your insurance needs may require specific advice.

  • Can my teen drive my company car?
  • What if I total my 1996 Buick Park Avenue and owe more than it’s worth?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when driving on a suspended license?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I still get insurance after a DUI?
  • I don’t drive much so do I pay less?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage breakdown

Understanding the coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, hail damage, a broken windshield and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as emergency aid, funeral expenses, medical services, legal defense fees and loss of income. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like prosthetic devices, X-ray expenses, doctor visits and pain medications. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many 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 very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your Park Avenue resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

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