Save on 1993 Buick Park Avenue Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Buick Park Avenue? Are you sick and tired of trying to scrape together enough money each month for insurance coverage? You’re in the same situation as many other drivers.

Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the absolute lowest rate possible.

Finding auto insurance

Comparing auto insurance rates can be exhausting if you don’t know the most efficient way to do it. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could save time and use the internet to maximize your effort.

Most major companies participate in an industry program that allows shoppers to send in one quote, and each participating company can give them a price based on the submitted data. This saves time by eliminating quote requests for every auto insurance company.

To access this free quoting program, click to open in new window.

The only drawback to doing it this way is you don’t know exactly the providers to get pricing from. If you would rather choose specific insurance companies to receive pricing from, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just double check that you are using the exact same coverages and limits on every quote you get. If the quotes have different limits and deductibles on each one then you won’t be able to truly determine the lowest rate. Just slight variations in insurance coverages can make a big difference in price. It’s important to know that comparing more rates from different companies will enable you to find the best rates.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might help in determining if you might need professional guidance.

• Am I covered when driving in Canada or Mexico?
• What should my uninsured motorist coverage limits be in my state?
• Is my teen driver covered when they drive my company car?
• Do I need medical payments coverage since I have good health insurance?
• Do I have coverage if my license is suspended?
• Does my 1993 Buick Park Avenue need full coverage?
• Is a blown tire covered by insurance?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage considerations

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Collision coverage

This pays for damage to your Park Avenue resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Buick Park Avenue.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, falling objects, damage from getting keyed, damage from a tornado or hurricane and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as pain and suffering, emergency aid, loss of income, court costs and medical services. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses for EMT expenses, nursing services, pain medications, ambulance fees and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay