Consumers have options when looking for the best price on Buick Skylark insurance. They can either spend hours contacting agents to compare prices or leverage the internet to find the lowest rates.
There is a right way and a wrong way to buy car insurance so you’re going to learn the quickest way to price shop coverage for your Buick and get the lowest price.
It’s a good habit to compare rates once or twice a year since insurance rates trend upward over time. Just because you found the best price for Skylark coverage six months ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the only way to eliminate unnecessary coverages and save money.
Car Insurance Prices
When shopping for car insurance there are multiple ways of comparing price quotes from car insurance companies in your area. The easiest way to find the cheapest Buick Skylark insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.
The recommended way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do a different quote for every car insurance company. One quote request gets you coverage quotes from all major companies. It’s definitely the quickest method.
A different way to compare prices requires a trip to the website for each individual company to complete their respective quote request forms. For example, we’ll pretend you want comparison quotes from Auto-Owners, State Farm and Farmers. To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage information with each company. If you compare mixed coverages it will be very difficult to find the best deal for your Buick Skylark. Slightly different coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that comparing a large number of companies will enable you to find the best offered rates.
Buick Skylark insurance rates have many determining factors
It’s important that you understand the factors that play a part in calculating your car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with lower car insurance prices.
Shown below are some of the factors car insurance companies consider when setting rates.
- Poor driving leads to higher costs – Just one speeding ticket can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Drivers who have severe citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
- Frequent car insurance claims increase rates – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Companies give cheaper rates to people who are claim-free. Car insurance is meant to be used in the event of major claims that would cause financial hardship.
- Do you have enough liability coverage? – Your policy’s liability coverage is the protection in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
- Men fork out a little more – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women cause accidents at a similar rate, but men cause more damage. Men also have more aggressive citations like DUI and reckless driving. Young males tend to get in the most accidents and are penalized with high car insurance rates.
Do you qualify for discounts?
The price of auto insurance can be rather high, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be requested specifically before you will receive the discount.
- Multi-policy Discount – When you combine your home and auto insurance with the same company you will save approximately 10% to 15%.
- Drivers Ed for Students – Require your teen driver to enroll in driver’s education in high school.
- Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Skylark coverage than less cautious drivers.
- One Accident Forgiven – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
- Payment Method – By paying your policy upfront instead of paying each month you could save 5% or more.
- Claim Free – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
- Homeowners Savings – Simply owning a home can help you save on car insurance because of the fact that having a home demonstrates responsibility.
- Seat Belts Save – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
Consumers should know that many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck. But any discount will reduce your overall premium however.
For a list of providers who offer car insurance discounts, click here to view.
Don’t assume everyone needs the same coverage
When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Each situation is unique.
For instance, these questions may help you determine if you might need professional guidance.
- Is my teen driver covered when they drive my company car?
- Does coverage extend to a rental car in a foreign country?
- When does my teenage driver need to be added to my policy?
- Is pleasure use cheaper than using my Buick Skylark to commute?
- Does my liability insurance cover pulling a trailer or camper?
- Should I have combined single limit or split liability limits?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Does my Buick Skylark need full coverage?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.
Cheaper insurance is a realistic goal
As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. Too many times, an insured cut uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford.
Drivers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, delays in paying claims, high rates after DUI convictions or poor customer service. Regardless of your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.
You just read some good ideas how you can compare Buick Skylark insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a company that doesn’t do a lot of advertising.
