1993 Buick Skylark Insurance Rates – 7 Tips to Save

Locating better insurance prices for your Buick Skylark could be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to buy insurance coverage so you’re going to learn the absolute fastest way to get price quotes for a Buick and find the best price possible either online or from local insurance agents.

Finding affordable coverage is not that difficult. If you are insured now or are just looking to switch companies, you can learn to get lower rates and possibly find even better coverage. Drivers just need to understand the tricks to buy auto insurance over the internet.

Take advantage of discounts

Companies that sell car insurance don’t always advertise every discount in an easy-to-find place, so we took the time to find both well-publicized and the more hidden car insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Organization Discounts – Being a member of certain professional organizations may earn a discount on your policy on Skylark insurance.
  • Paperless Signup – Certain companies will give a small break for buying a policy and signing up online.
  • Accident Free – Good drivers with no accidents pay much less as compared to bad drivers.
  • Low Mileage Discounts – Keeping the miles down on your Buick can qualify you for discounted rates on garaged vehicles.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.

Keep in mind that most discounts do not apply to the entire cost. Some only apply to individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

Companies that possibly offer these benefits may include but are not limited to:

It’s a good idea to ask every prospective company what discounts are available to you. Savings might not apply everywhere.

Insurance Coverage Prices

Reducing your 1993 Buick Skylark insurance rates is surprisingly easy. The only thing you need to do is spend a few minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The most efficient way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form eliminates the need for repetitive form entry for each company. Completing one form gets you price quotes from insurance coverage companies with the best prices. This is perfect if you don’t have a lot of time.
  2. A less efficient way to compare prices is to manually visit each company’s website and complete a new quote form. For examples sake, we’ll pretend you want to compare Progressive, State Farm and Geico. You would have to go to every website and enter your policy data, which is why most consumers use the first method.

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

  3. The least recommended way to compare rates is to drive around to insurance agents’ offices. Shopping for insurance coverage online eliminates the need for an insurance agent unless you require the personal advice of a local agent. However, consumers can find lower rates online but still have the advice of a local agent and you’ll learn how to do that later.

Which method you use is up to you, but ensure you are comparing exactly the same coverage information for every company. If you use different deductibles it’s impossible to truly determine the lowest rate.

How to know if you need help

When choosing the best insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need medical payments coverage since I have good health insurance?
  • How does medical payments coverage work?
  • Does coverage extend to my business vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need more liability coverage?
  • Can I rent a car in Mexico?
  • Are my friends covered when driving my car?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but one or more may apply to you, then you may want to think about 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, free and can provide invaluable advice.

What insurance coverages do you need?

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, rolling your car, colliding with another moving vehicle, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, hospital visits, doctor visits and EMT expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, damage from flooding and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like bail bonds, funeral expenses, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Buick Skylark.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Quote more. Save more.

When you buy insurance online, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where someone dropped liability coverage limits only to regret that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

Cost effective 1993 Buick Skylark insurance can be bought both online and with local insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

People leave their current company for many reasons like being labeled a high risk driver, high prices, delays in responding to claim requests or unfair underwriting practices. No matter why you want to switch, finding the right auto insurance provider can be easy and end up saving you some money.

Additional auto insurance information is available at these links: