1990 Buick Estate Wagon Insurance Quotes – 7 Policy Discounts

Trying to find the cheapest car insurance rates for your Buick Estate Wagon? Searching for the cheapest insurance for a new or used Buick Estate Wagon can turn out to be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to shop for car insurance so we’re going to tell you the best way to price shop coverage for a Buick and locate the cheapest rates either online or from local insurance agents.

Free insurance price quotes

Effectively comparing insurance prices is a ton of work if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use online quotes to achieve your goal.

All the larger companies participate in a marketplace that enables customers to submit their information once, and each company returns a competitive quote based on that data. This saves time by eliminating quote forms to each individual insurance company.

To participate in this free quote system, click here to open in new window.

The single downside to pricing coverage this way is that you can’t choose which providers to receive prices from. So if you prefer to choose specific insurance companies for rate comparison, we have a listing of the cheapest insurance companies in your area. Click here to view list.

Compare rates however you want, just make darn sure you compare apples-to-apples coverage information on every quote you get. If each company quotes differing limits it will be very difficult to make a fair comparison for your Buick Estate Wagon.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

For example, these questions may help highlight if your situation would benefit from an agent’s advice.

• Should I file a claim if it’s only slightly more than my deductible?
• Does my insurance cover my expensive audio equipment?
• Is my state a no-fault state?
• Am I covered when delivering products for my home-based business?
• When should my teen driver be added to my policy?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I pay less if my vehicle is kept in my garage?
• Why does it cost so much to insure a teen driver?
• Am I missing any policy discounts?
• Can I afford to buy a different vehicle if my 1990 Buick Estate Wagon is totaled?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Auto insurance coverage basics

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, damage from getting keyed and rock chips in glass. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like doctor visits, chiropractic care, prosthetic devices, EMT expenses and surgery. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Buick Estate Wagon.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Auto liability – Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like emergency aid, medical expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Collision – Collision insurance covers damage to your Estate Wagon from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.