1998 Buick LeSabre Insurance Quotes – 7 Savings Tips

Having to pay for overpriced car insurance can drain your bank account and put a big crunch on your finances. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

Since consumers have many options, it is hard for the average consumer to choose the lowest cost insurance company.

Finding affordable coverage is not rocket science. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. But vehicle owners need to have an understanding of how companies price insurance differently and take advantage of how the system works.

Discounts are available to cut your rates

Companies that sell car insurance don’t necessarily list every available discount in an easy-to-find place, so here is a list both the well known as well as the least known ways to save on insurance coverage.

  • Homeowners Discount – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
  • No Claims – Good drivers with no accidents can earn big discounts compared to bad drivers.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

Check with all companies you are considering how you can save money. Some discounts may not be available in every state.

Low Cost Auto Insurance

When shopping for auto insurance there are multiple ways of comparing price quotes from auto insurance companies in your area. The best way to find the lowest 1998 Buick LeSabre rates involves getting comparison quotes online. It is quite easy and can be accomplished in several different ways.

The fastest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This type of form prevents you from having to do repetitive form submissions for each company you want a rate for. Completing one form will return price quotes from several companies.

Another way to shop for auto insurance online requires a visit to the website for every company you want to comare and request a quote. For example, we’ll assume you want to compare rates from Liberty Mutual, Geico and Farmers. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is quicker.

To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using exactly the same information on every quote. If you compare unequal deductibles or liability limits it’s impossible to make a fair comparison for your Buick LeSabre. Slightly different limits could mean much higher rates. Keep in mind that quoting more will enable you to find better pricing.

Everyone needs different coverages

When it comes to buying the best auto insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • What discounts do I qualify for?
  • Am I covered if hit by an uninsured driver?
  • Do I need special endorsements for business use of my vehicle?
  • Should I put collision coverage on all my vehicles?
  • Should I drop comprehensive coverage on older vehicles?
  • How do I insure my teen driver?
  • Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Save $382 a year. For real?

Insurance providers like Allstate, Geico and Progressive consistently run ads on television and other media. They all have a common claim that you’ll save big if you change your policy. How do they all say the same thing? This is how they do it.

All companies have a preferred profile for the type of customer that earns them a profit. For instance, a profitable customer might be between the ages of 30 and 50, a clean driving record, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” will get the preferred rates and therefore will save when they switch companies.

Potential customers who are not a match for these standards must pay higher prices and ends up with business going elsewhere. Company advertisements say “customers who switch” not “people who quote” save that much. This is how companies can make the claims of big savings. This illustrates why drivers should get as many comparisons as possible. It’s impossible to know which insurance companies will have the lowest Buick LeSabre insurance rates.

Specific coverages for a 1998 Buick LeSabre

Understanding the coverages of insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills like prosthetic devices, rehabilitation expenses, nursing services, funeral costs and pain medications. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision protection

Collision coverage covers damage to your LeSabre caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, colliding with a tree, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from getting keyed, hail damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Buick LeSabre.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability car insurance

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as emergency aid, repair costs for stationary objects, pain and suffering, medical services and court costs. How much coverage you buy is a personal decision, but buy higher limits if possible.

Be a money saver!

When you buy insurance online, it’s not a good idea to reduce coverage to reduce premium. In many cases, an insured dropped comprehensive coverage or liability 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 an affordable rate while still protecting your assets.

Lower-priced 1998 Buick LeSabre insurance is available online in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

We covered some good ideas how you can shop for insurance online. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. You may even find the lowest rates come from the least-expected company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

Additional car insurance information is located on the following sites: