Buick Park Avenue Owners Uncover How to Cut Their Car Insurance Rates

I can’t think of a single person who enjoys paying for car insurance, particularly when their premiums are through the roof.

Because there are so many choices of insurance companies, it is hard for the average consumer to choose the lowest cost insurance company.

Finding affordable coverage is easy if you know what you’re doing. Essentially anyone who is required by state law to have car insurance should be able to reduce their rates. But consumers must know the way companies determine prices.

How much can you save with discounts?

Auto insurance companies do not advertise all their discounts in an easy-to-find place, so here is a list some of the best known as well as the least known savings tricks you should be using.

• Government Employees – Being employed by or retired from a federal job can save as much as 8% for Park Avenue coverage with a few car insurance companies.
• Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
• Drive Less and Save – Fewer annual miles on your Buick could be rewarded with better rates on cars that stay parked.
• Passive Restraints and Air Bags – Cars that have air bags can get savings of 20% or more.
• Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.
• Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
• Save with a New Car – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
• Senior Citizens – Older drivers can possibly qualify for better car insurance rates for Park Avenue coverage.
• Claim Free – Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
• Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.

It’s important to understand that many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Compare Quotes for Car Insurance

When shopping for car insurance there are multiple ways to compare rate quotes and find the best price. The best method to compare insurance prices consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do separate quote forms to each individual car insurance company. Taking the time to complete one form gets you price quotes from car insurance companies with the best prices.

A harder way to get quotes online consists of going to the website for each individual company to request a price quote. For sake of this example, let’s say you want rates from Liberty Mutual, 21st Century and Farmers. To get each rate you have to visit each site to input your insurance information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The least efficient way of getting rate comparisons is to spend your day driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you have a need for the personal advice only provided by licensed agents. Drivers can price shop your coverage online but buy from a local insurance agent and you’ll learn how to do that later.

It’s up to you which method you use, but make absolute certain that you use exactly the same coverages on every quote. If the quotes have different values for each quote it’s not possible to decipher which rate is best. Having just a slight variation in limits may cause a big price difference. It’s important to know that having more price comparisons will enable you to find the best offered rates.

Compare but don’t skimp

In this article, we presented some good ideas how you can get a better price on Buick Park Avenue insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a smaller regional carrier. They can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.

Low-cost Buick Park Avenue insurance can be found on the web in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. A few companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you prepare to switch companies, you should never reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.