How Much Does 2002 Buick LeSabre Car Insurance Cost?

Want the cheapest insurance coverage rates for your Buick LeSabre? Trying to find the cheapest insurance for a Buick LeSabre can be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to buy insurance coverage and you need to know the proper way to price shop coverage for a Buick and obtain the cheapest rates from both online companies and local agents.

Why you might be paying too much to insure your Buick LeSabre

An important part of buying insurance is that you know the rating factors that come into play when calculating insurance coverage rates. Understanding what impacts premium levels helps enable you to make changes that may reward you with lower insurance coverage prices.

  • Do you have enough liability coverage? – Liability coverage will protect you if you are found liable for causing damage or personal injury in an accident. It provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Your location affects your rates – Being located in less populated areas has it’s advantages when talking about insurance coverage. City drivers regularly have congested traffic and longer commutes to work. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse will be a quick way to increase your insurance coverage rates. Not only will you pay more, failure to provide proof of insurance may earn you a steep fine or even jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Special features that cut premiums – Choosing a vehicle with an alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.

The fastest way that we advise to get policy rate comparisons takes advantage of the fact almost all companies pay for the opportunity to give rate comparisons. The only thing you need to do is spend a couple of minutes providing details including what you do for a living, daily mileage, if a SR-22 is needed, and whether your vehicle is owned or leased. That information is instantly provided to many of the top insurers and you will receive price estimates within a short period of time.

Don’t listen to company ads

Consumers get pounded daily by advertisements that promise big savings by companies like Allstate, Geico and Progressive. All the ads have a common claim of big savings if you move to them.

How can each company make almost identical claims? This is how they do it.

Different companies can use profiling for the type of customer that makes them money. An example of a desirable insured might be over the age of 50, has no prior claims, and has excellent credit. Any driver who meets those qualifications will get the preferred rates and most likely will save when they switch companies.

Drivers who are not a match for the “perfect” profile will have to pay more money which leads to business not being written. The ad wording is “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully make those claims. Because of the profiling, you absolutely need to compare as many rates as you can. It’s not possible to predict the company that will have the lowest Buick LeSabre insurance rates.

Are you getting all your discounts?

Car insurance companies don’t necessarily list all available discounts very clearly, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Multiple Cars – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Resident Student – Youth drivers living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Senior Discount – Older drivers may qualify for reduced rates for LeSabre insurance.
  • Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

To see a list of insurance companies offering auto insurance discounts, click here to view.

When might I need an agent?

When choosing adequate coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • Do I have coverage if my license is suspended?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is the difference between comprehensive and collision coverage?
  • How can I force my company to pay a claim?
  • Am I covered if my car is in a flood?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Having a good grasp of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability coverage

This provides protection from damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like loss of income, court costs, structural damage, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills for rehabilitation expenses, prosthetic devices, hospital visits, dental work and doctor visits. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This will pay to fix damage to your LeSabre resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Buick LeSabre.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Get your money’s worth

Throughout this article, we presented some good ideas how you can save on 2002 Buick LeSabre insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with a small mutual company.

While you’re price shopping online, never skimp on coverage in order to save money. In many cases, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Budget-conscious insurance is attainable from both online companies and with local insurance agents, so you should compare both to have the best rate selection. Some companies do not offer online quoting and these small, regional companies work with independent agents.

More information is located on the following sites: