How Much Does 2004 Buick Rainier Car Insurance Cost?

Trying to find the cheapest auto insurance rates for your Buick Rainier? Tired of scraping nickels together to buy auto insurance? You are no different than most other vehicle owners.

You have multiple auto insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, so many choices can make it hard to compare rates and find the lowest cost auto insurance.

Take policy discounts and save

Car insurance is not cheap, but there could be significant discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you complete an application, but some need to be specially asked for prior to getting the savings.

• Payment Discounts – By paying your policy upfront rather than spreading payments over time you can avoid the installment charge.
• Drive Safe and Save – Insureds without accidents can save as much as half off their rates for Rainier insurance as compared to drivers with claims.
• Driving Data Discount – Insureds that choose to allow their auto insurance company to scrutinize driving patterns remotely such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if their driving habits are good.
• Distant Student Discount – Kids who live away from home at college and do not have a car can be insured at a reduced rate.
• Homeowners Discount – Owning a house can earn you a little savings because maintaining a house requires personal responsibility.
• Memberships – Being in certain professional organizations could earn you a nice discount when shopping for auto insurance.
• Discount for Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of 25 to 30%.

A quick disclaimer, some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, you aren’t that lucky.

Companies and a summarized list of policyholder discounts are included below.

• Farmers Insurance discounts include pay in full, electronic funds transfer, youthful driver, distant student, early shopping, and alternative fuel.
• Esurance offers premium reductions for good driver, homeowner, emergency road assistance, paid-in-full, Switch & Save, and anti-theft.
• State Farm may include discounts for multiple policy, good driver, defensive driving training, multiple autos, accident-free, anti-theft, and Drive Safe & Save.
• Geico may have discounts that include federal employee, emergency military deployment, good student, defensive driver, driver training, anti-lock brakes, and air bags.
• Allstate has savings for farm vehicle, defensive driver, good payer, resident student, premier plus, anti-theft, and EZ pay plan discount.

If you need lower rates, check with all companies you are considering to give you their best rates. Some of the earlier mentioned discounts may not be offered in your state. If you would like to view providers with the best discounts, click this link.

Six tips to get more affordable insurance rates

Consumers need to have an understanding of some of the factors that come into play when calculating your policy premiums. When consumers understand what determines premiums, this allows you to make educated decisions that can help you get lower premium levels. Many things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but some are less apparent like where you live and annual miles driven.

• Limits of liability – The liability section of your policy will provide protection if ever you are determined to be liable for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
• Rates increase with driving citations – Having a clean driving record impacts premiums far more than you think. Just one citation can boost insurance rates by as much as thirty percent. Good drivers pay lower auto insurance prices compared to bad drivers. People who have severe citations like DUI, reckless driving or excessive speeding may need to maintain a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
• When should you file a policy claims? – Auto insurance companies award discounts to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of more catestrophic claims.
• Car insurance rates and your job – Occupations like real estate brokersair traffic controllers and medical professionals are shown to have higher premiums than the average policyholder due to intense work-related stress and long work days. On the flip side, careers such as farmers, engineers and the unemployed pay the least for Rainier insurance.
• Bundle policies to earn discounts – Most insurers apply lower prices to clients who carry more than one policy. It’s known as a multi-policy discount. Discounts can be ten or even fifteen percent. Even if you qualify for this discount already, it’s in your best interest to check prices from other companies to verify if the discount is saving money. Drivers may still save even more even if you insure with multiple companies
• Gender and insurance – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean women are better drivers. Both genders get in auto accidents at a similar rate, but men get into accidents with more damage. Men also statistically have more aggressive citations like driving under the influence (DUI). Males from age 16 to 21 generally have the highest accident percentage and therefore pay the highest rates.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions may help highlight if your situation will benefit from professional help.

• Am I covered if I drive in a foreign country?
• What can I do if my company won’t pay a claim?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I pay less for low miles?
• Am I covered if I break a side mirror?
• Can my teen driver be rated on a liability-only vehicle?
• Where can I get insurance after a DUI in my state?
• Am I covered if I hit my neighbor’s mailbox?
• Is my teen driver covered when they drive my company car?
• Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage breakdown

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages available from auto insurance companies.

Liability coverages – This provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people. It does not cover 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 commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as repair costs for stationary objects, court costs, pain and suffering and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

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

Collision coverages – Collision coverage pays for damage to your Rainier resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for hospital visits, X-ray expenses, nursing services, dental work and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer, falling objects, vandalism and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A penny earned…

We just presented some good ideas how you can shop for 2004 Buick Rainier insurance online. It’s most important to understand that the more you quote insurance coverage, the better chance you’ll have of finding cheap insurance coverage. You may even discover the lowest rates are with a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your goal should be to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.

A few companies may not have rate quotes online regional insurance providers prefer to sell through local independent agencies. More affordable insurance coverage can be sourced online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

Additional information can be found at the links below

• What is a Telematics Device? (Allstate)
• What is Full Coverage? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)