1999 Buick Park Avenue Insurance Quotes – 10 Tips to Save

Searching for the cheapest insurance rates for your Buick Park Avenue? Are you sick and tired of scraping the payment together to buy car insurance? You are no different than many other consumers.

Because you have many different company options, it’s difficult to pick the lowest cost company.

Discounts to lower Buick Park Avenue insurance rates

Auto insurance companies don’t necessarily list every discount very clearly, so we break down both the well known and the more hidden savings tricks you should be using.

  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Park Avenue insurance depending on your company.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Buick could be rewarded with discounted rates on garaged vehicles.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Claim Free – Claim-free drivers pay less when compared with bad drivers.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Own a Home – Owning a house may trigger a insurance policy discount because maintaining a house requires personal responsibility.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Senior Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums on Park Avenue insurance.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

A partial list of companies that may have these benefits include:

Check with each insurance company which discounts you may be entitled to. All car insurance discounts may not apply in every state.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • Should I buy only the required minimum liability coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • How can I get my company to pay me more for my totalled car?
  • Which companies will insure high-risk drivers?
  • I have health insurance so do I need medical payments coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Buyer beware of insurance advertising tricks

Insurance providers like Allstate and Progressive continually stream ads on television and other media. They all make an identical promise of big savings after switching your policy. How can each company claim to save you money?

All companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a driver they prefer might be between 30 and 50, owns a home, and drives less than 10,000 miles a year. A driver who meets those qualifications receives the best rates and therefore will save when switching.

Drivers who don’t qualify for this ideal profile must pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ads state “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently make those claims. This illustrates why you absolutely need to compare many company’s rates. You cannot predict the company that will have the lowest Buick Park Avenue insurance rates.

Car insurance 101

Having a good grasp of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, damage from getting keyed, rock chips in glass and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

Liability coverage can cover damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like legal defense fees, loss of income, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Buick Park Avenue.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses such as prosthetic devices, funeral costs, hospital visits, ambulance fees and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance pays for damage to your Park Avenue resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

In Summary

Cheap 1999 Buick Park Avenue insurance is attainable from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where someone dropped full coverage only to regret that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

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