Cheapest 2002 Buick LeSabre Insurance Rates in 2023
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UPDATED: May 12, 2022
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Are you a victim of an underperforming, overpriced insurance policy? Trust us, you’re not the only one.
There are many insurance companies to choose from, and even though it’s nice to have a selection, having more car insurance companies makes it harder to find the best rates for your vehicles.
Where Can I Get Cheap Auto Insurance?
Comparing auto insurance rates can be challenging if you don’t understand the easiest way. You can waste a lot of time driving to local insurance agents in your area, or you can stay home and use the web to get pricing more quickly.
Most of the larger companies are enrolled in a marketplace where insurance shoppers submit one quote, and each participating company returns a rated price for coverage. This eliminates the need for quote forms for each company you want a rate for.
To get comparison pricing now click here to start a free quote.
The only downside to comparing rates this way is buyers cannot specifically choose the companies to get quotes from. If you would rather choose individual companies to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.
However you get your quotes, make sure you use identical coverage limits and deductibles for every quote you compare. If your comparisons have unequal deductibles or liability limits it will be impossible to determine the lowest rate for your Buick LeSabre. Quoting even small variations in insurance coverages can result in a big premium difference. And when comparison shopping, quoting more helps you find the best rates.
What coverages do I need?
When it comes to choosing coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions might help in determining whether your personal situation may require specific advice.
- Why does it cost so much to insure a teen driver?
- How do I insure my teen driver?
- Is upholstery damage covered by car insurance?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Should I buy more coverage than the required minimum liability coverage?
- Am I covered when using my vehicle for business?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
What auto insurance coverages do you need?
Understanding the coverages of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from auto insurance companies.
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like fire damage, vandalism, damage from a tornado or hurricane, theft and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for bills such as X-ray expenses, doctor visits, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Coverage for liability
Liability coverage can cover damage that occurs to other people or property by causing an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability can pay for things like bail bonds, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Buick LeSabre.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Collision coverage protection
Collision insurance covers damage to your LeSabre caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like crashing into a ditch, sideswiping another vehicle, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.
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