Lower Your 2002 Buick Rendezvous Insurance Cost

Searching for better auto insurance rates for your Buick Rendezvous? Searching for cheaper auto insurance might appear difficult for consumers new to buying insurance on the web. With so many insurance agents and insurers to choose from, how can drivers even start to compare every auto insurance company to find the cheapest available price?

It’s a great practice to compare prices every six months since insurance rates change frequently. Despite the fact that you may have had the best deal on Rendezvous coverage last year you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to find out the tricks you need to know to reduce your cost while improving coverage.

Get lower rates by earning discounts

Not too many consumers would say auto insurance is affordable, but discounts can save money and there are some available that you may not know about. Certain credits will be shown at the time you complete a quote, but less common discounts must be asked for before they will apply. If they aren’t giving you every credit you qualify for, it’s possible you qualify for a lower rate.

• Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 25 to 30%.
• Multi-car Discount – Having all your vehicles with one company may reduce the rate for each vehicle.
• Memberships – Being in a civic or occupational organization could trigger savings on your policy.
• 55 and Retired – If you’re over the age of 55, you are able to get a discount up to 10% on Rendezvous coverage.
• Sign Online – Many auto insurance companies may give you up to $50 simply for signing digitally online.
• Active Military Service – Being on active duty in the military may qualify for rate reductions.
• No Claim Discounts – Drivers who stay claim-free pay less as compared to insureds who have frequent claims or accidents.
• Resident Student – Any of your kids who are attending college without a vehicle on campus may be able to be covered for less.
• Seat Belts Save – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it can save substantially.

A little disclaimer on discounts, many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

The best auto insurance companies and their possible discounts are shown below.

• Progressive discounts include continuous coverage, online signing, good student, multi-policy, and homeowner.
• AAA offers premium reductions for pay-in-full, multi-policy, multi-car, good driver, good student, anti-theft, and education and occupation.
• Farmers Insurance offers discounts for electronic funds transfer, bundle discounts, distant student, teen driver, and youthful driver.
• Geico may include discounts for driver training, multi-policy, five-year accident-free, emergency military deployment, federal employee, daytime running lights, and multi-vehicle.
• Esurance has savings for renters, paid-in-full, DriveSense, defensive driver, and safety device.
• SAFECO has discounts for anti-lock brakes, drive less, anti-theft, safe driver, and bundle discounts.
• State Farm offers discounts including good student, good driver, accident-free, anti-theft, and defensive driving training.

When comparing rates, check with each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies everywhere. To view companies who offer cheap auto insurance quotes, follow this link.

Your car insurance coverage should be tailored to you

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions may help highlight whether you may require specific advice.

• Does my personal policy cover me when driving out-of-state?
• Can I afford to pay high deductible claims out of pocket?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Which companies will insure high-risk drivers?
• Does my policy cover my teen driver if they drive my company car?
• What is the difference between comprehensive and collision coverage?
• Do I need an umbrella policy?
• Is a fancy paint job covered?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance specifics

Having a good grasp of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverage

This will pay to fix damage to your Rendezvous from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a building, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Coverage for liability

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical expenses, loss of income, repair costs for stationary objects, funeral expenses and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like prosthetic devices, pain medications and dental work. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, vandalism, fire damage, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Buick Rendezvous.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

A penny saved is a penny earned

People switch companies for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, not issuing a premium refund and even poor customer service. Regardless of your reason, finding a new company can be easier than you think.

Throughout this article, we presented a lot of ways to save on 2002 Buick Rendezvous insurance. The key concept to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even find the biggest savings come from the least-expected company.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. In many instances, someone dropped liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

More information can be read at the links below

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)