Nobody I know enjoys paying for car insurance, especially knowing the cost is too high.
With so many different company options, it can be impossible to pick the lowest price insurance company.
You should make it a habit to shop coverage around every six months since insurance rates are usually higher with each renewal. Just because you found the lowest rates on Park Avenue insurance two years ago you may be paying too much now. You can find a lot of wrong information about car insurance online, so we’re going to give you some solid techniques on how to save money.
Locating the lowest cost protection can be fairly easy. Basically, every vehicle owner who carries car insurance will more than likely be able to cut their insurance bill. Although drivers must understand how the larger insurance companies compete online.
How to Get Cheap Car Insurance
There are several ways of comparing price quotes from local car insurance companies. The easiest way by far to compare insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The best way to get quotes is a comparison rater form (click to open form in new window). This form prevents you from having to do separate quotation requests to each individual car insurance company. Completing one form will return price quotes instantly.
- Another way to get comparison quotes requires visiting each company’s website and fill out their own quote form. For sake of this example, we’ll assume you want to compare rates from Liberty Mutual, State Farm and GMAC. You would have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
It’s up to you how you get prices quotes, just be sure to compare the exact same coverages with every price quote. If the quotes have higher or lower deductibles then you won’t be able to make a fair comparison for your Buick Park Avenue. Quoting even small variations in insurance coverages can mean a large discrepancy in price. It’s important to know that comparing more company’s prices helps locate lower pricing.
Don’t overlook these discounts
Insurance can be prohibitively expensive, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be inquired about before being credited.
- Low Mileage – Keeping the miles down on your Buick could qualify for discounted rates on garaged vehicles.
- Good Student Discount – A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
- Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Park Avenue insurance than less cautious drivers.
- 55 and Retired – Older drivers may receive reduced rates on Park Avenue insurance.
- Lower Rates for Military – Having a family member in the military could mean lower rates.
- Multi-policy Discount – If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
- Driver Safety – Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
- Paperless Signup – Certain companies will discount your bill up to fifty bucks just for signing your application online.
- Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
- Sign Early and Save – A few companies offer discounts for buying a policy before your current policy expires. It can save you around 10%.
It’s important to note that most credits do not apply the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky. But any discount will cut your overall premium however.
To choose insurers offering car insurance discounts, click here.
Impacting insurance rates for a Buick Park Avenue
It’s important that you understand the different types of things that help determine the rates you pay for car insurance. Understanding what controls the rates you pay enables informed choices that can help you get better car insurance rates.
- Policy add-ons can waste money – There are a ton of add-on coverages that you can buy when buying car insurance. Things like personal injury protection, towing coverage and membership fees may be wasting your money. They may seem good when talking to your agent, but your needs may have changed so remove them from your policy.
- Lower rates come with age – Young drivers have a tendency to be more careless when driving so they pay higher car insurance rates. If you’ve ever had to add a youthful driver to your car insurance policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
- Multi-policy discounts can save money – Most companies provide better rates to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to ensure the best deal.
- Your car’s features help determine rates – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
- Always keep insurance in force – Not having insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. Not only will rates go up, getting caught without coverage might get you a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
- Performance influences rates – The make and model of the vehicle you own makes a substantial difference in determining your rates. Because the Buick Park Avenue falls in the passenger car class, insurance will be similar in price or lower than the average rate where you live. Lower performance four cylinder passenger cars usually have the lowest rates, but there are many factors that impact the final cost.
Quote more, save more
You just learned some good ideas how you can lower your Buick Park Avenue insurance rates. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a small local company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive and GEICO.
When you buy insurance online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where someone dropped liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
Affordable Buick Park Avenue insurance can be sourced on the web as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.
