Lower Your 1998 Buick Skylark Insurance Quotes

Are you drained from being strong-armed to make your car insurance payment? You’re in the same situation as the majority of other vehicle owners. Since you have so many choices of insurance companies, it can be challenging to find the best car insurance provider.

Lower rates by qualifying for discounts

Insurance can be pricey, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but some discounts are required to be manually applied before you will receive the discount.

• Active Military Service – Having an actively deployed family member could qualify you for better insurance rates.
• Good Grades Discount – This discount could provide a savings of up to 20% or more. The good student discount can last until age 25.
• ABS Braking Discount – Cars that have steering control and anti-lock brakes are much safer to drive and the ABS can save up to 10%.
• No Claim Discounts – Insureds with no claims or accidents can earn big discounts when compared with drivers with a long claim history.
• Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more off the personal injury premium cost.
• Multi-line Discount – Not all companies offer life insurance, but some may give you a lower price if you buy life insurance.
• Early Switch Discount – A few larger companies allow discounts for buying a policy before your current coverage expires. You could save around 10% when you buy insurance online.
• Discounts for New Vehicles – Buying coverage on a new vehicle can save up to 30% because new model year vehicles have to meet stringent safety requirements.
• Accident Waiver – Not really a discount, but companies like Liberty Mutual and Geico will allow you to have one accident without getting socked with a rate hike so long as you are claim-free for a specific time period.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.

A few popular companies and some of the premium reductions they offer are outlined below.

• American Family includes discounts for defensive driver, accident-free, Steer into Savings, air bags, bundled insurance, and good student.
• Farm Bureau may have discounts that include renewal discount, driver training, youthful driver, 55 and retired, good student, safe driver, and multi-vehicle.
• State Farm offers discounts for passive restraint, good driver, defensive driving training, driver’s education, and student away at school.
• Travelers discounts include continuous insurance, driver training, early quote, home ownership, payment discounts, save driver, and good student.
• The Hartford offers premium reductions for defensive driver, bundle, vehicle fuel type, air bag, driver training, anti-theft, and good student.
• Geico policyholders can earn discounts including five-year accident-free, defensive driver, multi-vehicle, anti-lock brakes, membership and employees, and military active duty.
• Progressive has savings for multi-vehicle, continuous coverage, online quote discount, homeowner, multi-policy, and online signing.

Before purchasing a policy, check with every prospective company which discounts you qualify for. Some discounts listed above may not apply to policies in every state. To view insurance companies who offer cheap insurance quotes, click this link.

Auto insurance is unique, just like you

When it comes to buying the best auto insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different so your insurance needs to address that. For instance, these questions can help discover if your situation could use an agent’s help.

• How can I find cheaper teen driver insurance?
• Are my friends covered when driving my 1998 Buick Skylark?
• Is extra glass coverage worth it?
• Are rock chip repairs covered?
• Am I covered when driving a rental car?
• Do I have coverage when using my vehicle for my home business?
• When should my teen driver be added to my policy?

If you’re not sure about those questions but one or more may apply to you, you might consider talking 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 It’s fast, free and can help protect your family.

Insurance policy specifics

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” 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.

Because many people 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. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, hail damage and theft. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision coverage covers damage to your Skylark resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, backing into a parked car, hitting a parking meter, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like chiropractic care, dental work and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like repair costs for stationary objects, pain and suffering and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

The bottom line

As you quote insurance, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability coverage limits only to regret that they should have had better coverage. Your strategy should be to find the BEST coverage at the best possible price, not the least amount of coverage.

Some insurance companies may not provide the ability to get a quote online and usually these regional carriers sell through independent insurance agents. Budget-friendly auto insurance can be found both online and with local insurance agents, and you should compare rates from both to have the best chance of lowering rates.

Additional auto insurance information is available below:

• All About Airbag Safety (State Farm)
• Learn About Car Insurance (Geico)
• Tools for Teen Driving Safety (State Farm)
• Understanding Limits and Deductibles (Allstate)