How Much Does 2000 Buick LeSabre Insurance Cost?

Are you tired of being strong-armed to insure your Buick every month? Your situation is no different than many other drivers.

Multiple insurance companies compete for your insurance dollar, so it’s not easy to compare every company to find the lowest cost out there.

If you currently have car insurance, you will be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, vehicle owners must comprehend the methods companies use to market insurance on the web and use this information to your advantage.

Auto Insurance Prices Online

Most major insurance companies quote prices for coverage on the web. Obtaining pricing is quite easy as you just enter the coverages you want into the quote form. When complete, their rating system collects your driving record and credit report and provides a quote determined by many factors. Online price quotes makes comparing rates easy, but the time required to go to several different sites and fill out multiple forms is monotonous and tiresome. But it is imperative to have as many quotes as possible if you are searching for lower prices.

Isn’t there an easier way to compare rates?

A less time-consuming method to find cheaper rates makes use of a single form that obtains quotes from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much easier. Immediately after you send the form, it is rated and you are able to buy any one of the pricing results. If you find a better price you can click and sign and purchase coverage. It can be completed in a matter of minutes and you will know how your current rates stack up.

If you want to compare rates now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in deductibles and limits exactly as they are listed on your policy. Doing this assures you will have a fair comparison using the same coverage and limits.

Do you qualify for a discount?

Companies don’t list all their discounts very clearly, so we break down both the well known and the more hidden ways to save on insurance.

  • Discount for Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on LeSabre coverage with certain companies.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.

It’s important to understand that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of companies with discount insurance rates, click this link.

What determines your Buick LeSabre insurance premium

It’s important that you understand some of the elements that help determine your auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

  • Being married can save on auto insurance – Being married actually saves money on auto insurance. Marriage is viewed as being more responsible and it’s statistically proven that married couples file fewer claims.
  • Extra coverages can waste money – There are quite a few additional coverages you can purchase on your auto insurance policy. Coverages like personal injury protection, better glass coverage and motor club memberships are examples of these. These coverages may sound good at first, but if you don’t need them get rid of them and save.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance companies provide lower rates to people who file claims infrequently. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Pleasure use or commuting – Driving more miles every year the more you will pay for auto insurance. Almost all companies apply a rate based on their usage. Cars and trucks left parked in the garage receive lower rates than those used for commuting. If your policy improperly rates your LeSabre may be wasting your money. Make sure your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores get lower rates. The safest vehicles protect occupants better and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Buick scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Multiple policies with one company can save – The majority of insurers provide better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to shop around to verify if the discount is saving money.
  • Are you male or female? – The statistics show women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. They both tend to get into accidents at a similar rate, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.
  • Better credit scores mean better rates – Credit score is a huge factor in determining what you pay for auto insurance. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit scores. Therefore, if your credit rating is low, you could be paying less to insure your 2000 Buick LeSabre by repairing your credit.

What coverages do I need?

When it comes to choosing the best car insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

  • Does medical payments coverage apply to all occupants?
  • How much liability coverage do I need in my state?
  • Should I rate my 2000 Buick LeSabre as pleasure use or commute?
  • Am I getting all the discounts available?
  • I don’t drive much so do I pay less?
  • Does car insurance cover theft of personal property?
  • Is there coverage for injuries to my pets?
  • How much underlying liability do I need for an umbrella policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Slick advertising tricks that work

Allstate and Progressive regularly use television and radio advertisements. All the companies say the same thing that you’ll save big if you move your policy. How can each company say the same thing?

Different companies have a preferred profile for the type of driver that makes them money. A good example of a driver they prefer could possibly be over the age of 50, has no prior claims, and chooses high deductibles. A customer getting a price quote who matches those parameters gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t measure up to the “perfect” profile will be charged more money which usually ends up with business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save that much money. This is how insurance companies can make those claims. That is why you should compare many company’s rates. It is impossible to predict which insurance coverage company will fit your personal profile best.

Learn about insurance coverages for a 2000 Buick LeSabre

Knowing the specifics of insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Collision coverage

Collision coverage covers damage to your LeSabre resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, hitting a parking meter, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, hitting a deer, damage from getting keyed, falling objects and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Buick LeSabre.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as medical expenses, repair bills for other people’s vehicles, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like chiropractic care, hospital visits, rehabilitation expenses, nursing services and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Make an honest buck

As you shop your coverage around, you should never reduce coverage to reduce premium. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to regret that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Discount 2000 Buick LeSabre insurance can be found from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

We just showed you some good ideas how you can compare insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from a small mutual company. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.

More resources