1993 Buick Skylark Car Insurance Rates – 10 Tips to Save

Searching for better car insurance rates for your Buick Skylark? Locating better insurance prices for your Buick Skylark could be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to shop for car insurance so you’re going to learn the best way to get price quotes for a Buick and find the cheapest rates.

Choosing the best insurance company for you is not rocket science. If you are insured now or are shopping for new coverage, you can use these techniques to find better prices and still get good coverage. Drivers only need an understanding of the tricks to shop for auto insurance over the internet.

How to compare auto insurance price quotes

Finding cheaper 1993 Buick Skylark auto insurance rates is surprisingly easy. The only thing you need to do is take a few minutes comparing rates from online providers. It’s super easy and can be done by using one of the methods below.

The simplest way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating repetitive form entry for each price estimate. One quote request gets you coverage quotes direct from many companies. Just one form and you’re done.

Another way to analyze rates is going to the website of each company to complete a price quote. For examples sake, let’s say you want to compare rates from Farmers, State Farm and Geico. To do that, you would have to visit each site and enter your policy data, which is why the first method is quicker.

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

The last way to get price estimates is to waste gas driving to and from local insurance agencies. Comparing rate quotes online has made agencies unnecessary unless you’re the type of person who wants the professional assistance that you can only get from talking to an agent. It is possible with some companies obtain prices from the web but buy from a local insurance agent.

Whichever way you choose to compare rates, make sure you compare identical coverage data for each quote you get. If you compare different data you will not be able to determine which company has the best rates.

Take these ten policy discounts and save

Car insurance companies do not list every available discount in an easy-to-find place, so we break down both the well known and also the more inconspicuous credits that may apply to you. If they aren’t giving you every credit available, you could be paying more than you need to.

• Multi-line Discount – Not all auto insurance companies offer life insurance, but some may give you better rates if you take out auto and life insurance together.
• Claim Free – Insureds with no claims or accidents can save substantially as opposed to drivers with a long claim history.
• Buy New and Save – Insuring a new car is cheaper because new model year vehicles keep occupants safer.
• Drivers Ed for Students – Teen drivers should sucessfully take a drivers education course if offered at their school.
• Multi-Vehicle Discounts – Drivers who insure multiple cars with one company could earn a price break for each car.
• Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
• Senior Citizen Discount – Older drivers are able to get better auto insurance rates for Skylark insurance.
• Memberships – Being a member of qualifying employment or professional organizations could trigger savings on your policy.
• Cautious Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% for Skylark insurance as compared to drivers with claims.
• Discount for Good Grades – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.

Discounts lower rates, but some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free auto insurance policy, you aren’t that lucky.

Companies and some of their more popular discounts include:

• Farmers Insurance offers discounts for pay in full, bundle discounts, electronic funds transfer, good student, and mature driver.
• Esurance includes discounts for safety device, good driver, paid-in-full, anti-theft, defensive driver, claim free, and online shopper.
• State Farm may include discounts for Drive Safe & Save, good student, safe vehicle, accident-free, and passive restraint.
• Geico has discounts for good student, emergency military deployment, multi-policy, military active duty, air bags, and daytime running lights.
• Allstate policyholders can earn discounts including good student, utility vehicle, multi-policy, farm vehicle, eSmart discount, and teenSMART discount.

If you are trying to find cheaper insurance quotes, ask every insurance company the best way to save money. Some discounts listed above may not apply in your area. To see insurance companies offering auto insurance discounts, follow this link.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions might point out if your insurance needs would benefit from professional advice.

• Is my teen driver covered when they drive my company car?
• Can I make deliveries for my home business?
• Is my ex-spouse still covered by my policy?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I benefit by insuring my home with the same company?
• Are my tools covered if they get stolen from my vehicle?
• What should my uninsured motorist coverage limits be in my state?
• Does my insurance cover my expensive audio equipment?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.

Car insurance coverage information

Having a good grasp of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

This coverage pays for damage to your Skylark 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 claims such as sideswiping another vehicle, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for dental work, chiropractic care, funeral costs, prosthetic devices and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability

This coverage will cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as pain and suffering, structural damage and attorney fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, fire damage, rock chips in glass and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Buick Skylark.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.