2003 Buick Rendezvous Car Insurance Quotes – 9 Savings Tips

Shopping for budget-priced insurance coverage may seem to be impossible for comparing and buying insurance coverage on the internet. Since there are so many insurers available, how can you have the ability to compare every company in order to find lower insurance coverage premiums?

Consumers should take time to shop coverage around as often as possible since insurance prices change frequently. Just because you found the best price on Rendezvous insurance at your last renewal you can probably find a better rate quote now. There is too much inaccurate information about insurance coverage online, but in this article, you’re going to get a lot of great tips on how to lower your insurance coverage premiums.

Buying car insurance is not that difficult. If you currently have car insurance, you should be able to lower your premiums substantially using this strategy. But car owners must understand the methods companies use to market insurance on the web and take advantage of how the system works.

Car insurance companies offer many types of discounts

Companies offering auto insurance don’t always publicize every policy discount in a way that’s easy to find, so we break down a few of the more well known as well as the least known ways to save on car insurance.

• Early Renewal Discounts – Select larger companies give a discount for switching to them before your current expiration date. This discount can save up to 10%.
• Include Life Insurance and Save – Select car insurance companies reward you with a discount if you purchase auto and life insurance together.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
• ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control have fewer accidents and the ABS can save up to 10%.
• Defensive Driver – Participating in a class that teaches driver safety techniques can save you 5% or more depending on where you live.
• College Student Discount – Older children who are attending college and don’t have a car may be insured at a cheaper rate.
• Military Discounts – Being on active deployment in the military can result in better prices.
• Own a Home and Save – Just being a homeowner can help you save on car insurance because maintaining a house is proof of financial responsibility.
• New Car Discount – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.

You should keep in mind that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that you could get a free car insurance policy, car insurance companies aren’t that generous.

Large car insurance companies and a selection of discounts can be read below.

• American Family may have discounts that include good driver, early bird, multi-vehicle, accident-free, good student, and bundled insurance.
• Farm Bureau may offer discounts for multi-policy, driver training, good student, renewal discount, and 55 and retired.
• State Farm may include discounts for Steer Clear safe driver discount, passive restraint, good driver, anti-theft, and driver’s education.
• Travelers offers discounts for multi-car, home ownership, save driver, good student, student away at school, new car, and payment discounts.
• The Hartford discounts include good student, anti-theft, bundle, defensive driver, vehicle fuel type, air bag, and driver training.
• Geico includes discounts for federal employee, daytime running lights, good student, five-year accident-free, defensive driver, and driver training.
• Progressive offers discounts including good student, online quote discount, online signing, continuous coverage, homeowner, multi-vehicle, and multi-policy.

Check with every company the best way to save money. All car insurance discounts may not apply to policies in every state. For a list of car insurance companies who offer car insurance discounts, click here.

Do I just need basic coverages?

When it comes to buying coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different.

These are some specific questions could help you determine if you may require specific advice.

• Does my policy pay for OEM or aftermarket parts?
• What vehicles should carry emergency assistance coverage?
• When can I cancel my policy?
• Why am I required to get a high-risk car insurance policy?
• What are the best liability limits?
• Should I waive the damage coverage when renting a car?
• At what point should I drop full coverage?
• I have health insurance so do I need medical payments coverage?
• Is a fancy paint job covered?
• Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Save $398 a year! What?

Big name companies like State Farm, Geico and Progressive seem to constantly run television, radio, and online ads. They all state the claim that people will save just by moving your coverage. How can each company save you money?

Insurance companies have specific guidelines for the type of customer that makes them money. An example of a preferred risk might be described as over the age of 40, has a low-risk occupation, and chooses high deductibles. A driver who meets those qualifications gets the lowest premium rates and most likely will save a lot of money.

Potential insureds who fall short of those criteria will get a higher rate which results in the customer not purchasing. Company advertisements say “drivers who switch” not “everyone who quotes” save that much. That’s the way companies can truthfully advertise the way they do. This emphasizes why drivers must compare rate quotes every year. It is just not possible to predict which insurance companies will fit your personal profile best.

Coverages available on your insurance policy

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, damage from a tornado or hurricane and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as legal defense fees, pain and suffering, funeral expenses, attorney fees and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your Rendezvous from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for funeral costs, nursing services, dental work, chiropractic care and ambulance fees. They are often used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2003 Buick Rendezvous.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Online plus local equals savings

As you quote insurance, do not skimp on coverage in order to save money. In many instances, an insured cut liability coverage limits and discovered at claim time that the small savings ended up costing them much more. The goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

A few companies do not offer online rate quotes and many times these small insurance companies sell through independent insurance agencies. Affordable 2003 Buick Rendezvous insurance is definitely available on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

People who switch companies do it for any number of reasons including delays in paying claims, lack of trust in their agent, denial of a claim or extreme rates for teen drivers. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Additional insurance information can be found at these links:

• Child Safety FAQ (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Tread Depth and Tire Safety (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)