2004 Buick Rendezvous Insurance Rates – 8 Ways to Save

Looking for cheaper auto insurance rates for your Buick Rendezvous? Consumers not familiar with price shopping insurance online can find locating cheaper auto insurance can be quite difficult.

Auto insurance discounts help reduce rates

Auto insurance companies don’t list all possible discounts in a way that’s easy to find, so the list below gives a summary of some of the best known and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

• Savings for New Vehicles – Adding a new car to your policy can save up to 30% compared to insuring an older model.
• Multiple Policy Discount – If you can combine your auto and home policy and insure them both with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
• Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
• Accident Forgiveness Coverage – This one is not really a discount per se, but some companies like Allstate and State Farm will let one accident slide without the usual rate increase if you have no claims prior to the accident.
• Defensive Driver Discounts – Passing a class that teaches defensive driving techniques could cut 5% off your bill if you qualify.
• Low Mileage Discounts – Driving fewer miles can earn lower premium rates on the low mileage vehicles.
• ABS Brakes – Cars and trucks with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
• Telematics Data Discounts – Drivers who elect to allow their company to scrutinize driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as the data is positive.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will help reduce your overall bill.

To locate auto insurance companies that offer multiple discounts, click this link.

Slick advertising tricks that work

Big name companies like Progressive, Allstate and Geico endlessly run ads on television and other media. All the ads tend to make the same promise about how much you will save if you get a free auto insurance quote and switch to them. How is it possible that every company can charge you less for car insurance?

Many companies provide the lowest rates for the type of driver that will generate a profit. One example of a profitable customer could be married and over the age of 30, insures multiple vehicles, and drives a safe vehicle. A customer getting a price quote that fits those parameters will get the preferred prices and will probably cut their rates if they switch.

Consumers who cannot meet these standards may be required to pay higher prices with the end result being business not being written. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” can save as much as they claim. That’s why insurance companies can make claims like that.

Because each company has a different risk profile, drivers should do a rate comparison at every renewal. Because you cannot predict which company will fit you best based on your risk profile.

Which is the best insurance coverage?

When choosing adequate coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions could help you determine whether you would benefit from professional advice.

• What vehicles should carry emergency assistance coverage?
• Am I covered when delivering products for my home-based business?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Are split liability limits better than a combined single limit?
• What is the minimum liability in my state?
• Do I need replacement cost coverage on my 2004 Buick Rendezvous?
• Am I covered when using my vehicle for business?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Liability car insurance – This coverage provides protection from damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

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 limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as attorney fees, medical expenses and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your 2004 Buick Rendezvous.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, damage from flooding, vandalism and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses such as nursing services, pain medications, hospital visits and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Save your hard earned cash

Insureds leave their current company for any number of reasons including being labeled a high risk driver, not issuing a premium refund, delays in responding to claim requests and even delays in paying claims. It doesn’t matter why you want to switch finding a great new company is less work than it seems.

We just presented many ideas to shop for 2004 Buick Rendezvous insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding low cost auto insurance. Drivers may discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

Discount 2004 Buick Rendezvous insurance can be purchased on the web and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies do not offer online rate quotes and many times these small insurance companies work with independent agents.

More learning opportunities

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Auto Insurance Learning Center (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)