Lower Your 1998 Buick LeSabre Insurance Quotes

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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: Dec 8, 2021

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Searching for the cheapest car insurance rates for your Buick LeSabre? Have you had enough of being strong-armed to buy car insurance? You are in the same boat as many other drivers. Lots of insurance companies contend for your insurance dollar, so it can be very hard to choose a insurer and get the best coverage at the lowest rate

The easiest way to compare car insurance company rates is to know most larger insurance companies provide online access to quote your coverage. The one thing you need to do is take a few minutes to give details like if the vehicle is leased, how much coverage you want, what your job is, and whether you drive to work or school. Your insurance information is submitted instantly to all major companies and you receive quotes instantly.

To get price quotes for your 1998 Buick LeSabre, click here then complete the form.

How do I know if I need professional advice?

When it comes to buying the best auto insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my teen driver covered when they drive my company car?
  • How do I insure my teen driver?
  • How much underlying liability do I need for an umbrella policy?
  • Can my babysitter drive my car?

Coverages available on your policy

Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Collision – Collision insurance covers damage to your LeSabre resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, crashing into a building and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists 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.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance – This provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover 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. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, medical services, medical expenses, pain and suffering and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as doctor visits, EMT expenses, rehabilitation expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, hail damage, falling objects, fire damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

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