Compare 2003 Buick LeSabre Insurance Cost

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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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Want cheaper auto insurance rates for your Buick LeSabre? I can’t think of a single person who likes having to buy auto insurance, in particular when the price is too high.

Online insurance companies like GEICO, 21st Century and Progressive increase brand awareness with fancy advertisements and it can be hard to see past the corporate glitz and take the time to shop coverage around.

How much can you save with discounts?

Car insurance companies do not list every discount in a way that’s easy to find, so we researched some of the best known and the more hidden ways to save on insurance.

  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • 55 and Retired – Older drivers may be able to get a small decrease in premiums on LeSabre coverage.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies before your current expiration date. It’s a savings of about 10%.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on LeSabre coverage with select insurance companies.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance policy qualifies for this discount.
  • Life Insurance Discount – Some companies give lower rates if you buy life insurance.
  • Claim Free – Drivers who don’t have accidents can earn big discounts compared to drivers who are more careless.
  • Accident Forgiveness – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like you could get a free insurance policy, companies don’t profit that way.

Insurance companies who might offer these money-saving discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts might not be offered everywhere.

How much car insurance do I need?

When it comes to buying adequate coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.

  • How do I file an SR-22 for a DUI in my state?
  • If my pet gets injured in an accident are they covered?
  • What is covered by UM/UIM coverage?
  • Who is covered by my policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • How much liability coverage do I need in my state?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Drivers who switch save $433 a year? Really?

21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies have a common claim that you can save if you change your policy. How do they all say the same thing? This is how they do it.

All the different companies can use profiling for the type of customer they prefer to insure. For example, a profitable customer could be over the age of 40, insures multiple vehicles, and has excellent credit. A propective insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who do not match the “perfect” profile will be quoted higher prices and this can result in business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can make the claims of big savings. This emphasizes why drivers should get quotes from several different companies. Because you never know the company that will have the lowest Buick LeSabre insurance rates.

Auto insurance 101

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on most car insurance policies.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, damage from flooding, hitting a bird and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance

This coverage provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability can pay for things like legal defense fees, bail bonds, medical services, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses for EMT expenses, hospital visits, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

More quotes. Lower rates.

Low-cost 2003 Buick LeSabre insurance is attainable online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. A few companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. There have been many situations where someone dropped physical damage coverage to discover at claim time that the savings was not a smart move. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.

To learn more, feel free to browse the articles below:

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