Do you get confused by the number of auto insurance sources available to you? Drivers have so many options that it can turn into a difficult mission to find the perfect company for you.
It’s a good idea to compare prices quite often because auto insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal for Rainier coverage two years ago you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to show you one of the quickest ways to properly buy coverages and cut your premium.
Consumers need to have an understanding of the rating factors that come into play when calculating the level of your policy premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that can earn you better auto insurance rates.
There are a lot of ways to compare insurance coverage prices but there is one way that is easier and takes less work. You could waste time driving to agents in your area, or you can stay home and use online quotes to get the quickest rates.
All the larger companies participate in an industry program that allows shoppers to only type in their quote data once, and at least one company can provide price quotes based on that data. This system prevents you from having to do repetitive form submissions to every company.
To find out what other companies charge click to open in new window.
One minor caviat to using this type of system is that consumers can’t choose which companies you will receive quotes from. So if you prefer to pick from a list of companies for rate comparison, we have a listing of low cost insurance coverage companies in your area. Click here to view list.
It’s up to you which method you use, but make sure you compare exactly the same deductibles and coverage limits for every company. If you compare higher or lower deductibles you will not be able to determine which rate is truly the best. Even a minor difference in limits can result in a big premium difference. Just keep in mind that more quotes helps locate a lower rate.
Allstate, Geico and Progressive continually stream television and radio advertisements. They all seem to make the point about saving some big amount if you change your auto insurance policy to them. How can each company offer you a better deal? This is how they do it.
Companies have specific characteristics for the type of customer that is profitable for them. For example, a desirable risk might be described as between 25 and 40, has had continuous coverage, and drives newer vehicles. Any new insured who matches that profile receives the best car insurance rates and is almost guaranteed to cut their rates substantially.
People who don’t measure up to those criteria may receive a more expensive rate and ends up with the prospect going elsewhere. The ads say “customers that switch” not “everybody who quotes” will save that much if they switch. That’s why insurance companies can make it sound like they have such great premium rates. Because each company has a different risk profile, you really need to get a wide range of price quotes. It is just not possible to predict which company will fit your personal profile best.
Insuring your fleet can be pricey, but there are discounts available that you may not even be aware of. Most are applied when you quote, but occassionally some discounts must be specially asked for before you will receive the discount. If you’re not getting every credit available, you are not getting the best rate possible.
A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Just because you may think it’s possible to get free car insurance, it’s just not the way it works.
To view companies that offer multiple discounts, click this link.
When choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.
Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form.
Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.
This provides protection from damage or injury you incur to a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability can pay for claims like medical expenses, court costs, repair bills for other people’s vehicles, loss of income and bail bonds. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for funeral costs, prosthetic devices, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2005 Buick Rainier.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle, fire damage and theft. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision insurance pays for damage to your Rainier from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like driving through your garage door, crashing into a ditch, hitting a mailbox, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.
The cheapest 2005 Buick Rainier insurance is attainable both online and from local insurance agents, and you should be comparing both to have the best rate selection. A few companies may not provide the ability to get a quote online and these smaller providers only sell coverage through local independent agencies.
Consumers who switch companies do it for any number of reasons including unfair underwriting practices, lack of trust in their agent, extreme rates for teen drivers or even delays in paying claims. Whatever your reason, finding a new insurance coverage company can be easy and end up saving you some money.
As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped physical damage coverage only to find out they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.
Good detail in your article. Got a quote with Encompass for my 2005 Buick Rainier and saved around $580 a year. Insured with AAA before.
I found affordable 2005 Buick Rainier insurance from 21st Century in Missoula, MT.
Does GEICO use ACV or replacement cost?
2005 Buick Rainier + State Farm = GOOD RATES!
Proud to be from Indianapolis, IN. I got free quotes with AAA, Sentry, and Western Auto Insurance for my Rainier and saved $283 a year. I recommend comparing lots of rates.
I live just to the north of Greensboro, NC. Got rates from GEICO, GMAC, and Esurance for my 2005 Buick Rainier and saved $505 a year. Switched homeowners coverage too.
Liked the article. Live in Colorado Springs, CO. Got free quotes online for a 2005 Buick Rainier. Ended up at about $370 savings annually. Went with GEICO. Insured with GEICO before. I got a quote from their website.
It all costs too much. I’m just north of Denver, CO. Got prices from Hanover, AAA, Sentry, and a couple others for my 2005 Buick Rainier and I’m now saving $27 a month. Was with Mercury. I increased coverages a little too.
From northwest of Owensboro, KY. Compared rates from a lot of places. Saved roughly $30 a month. 21st Century was the best choice for me. :P
Just my two cents. I’m just east of Dallas, TX. Quoted prices online for a 2005 Buick Rainier. Ended up at about $510 savings annually. Went with Allstate. I have a teen driver too. Not sure if rates are cheaper online or not.
Affordable car insurance is a myth. Quoted with Allstate for my Rainier and cut my rates about $280 a year. It was easy to get rates.
I live in Tampa, FL. Quoted quotes from Auto-Owners, Nationwide, and a few others for my Buick and saved just over $360 a year. Left Erie to switch. I have a teen driver too. They offer free online rate quotes.
Located in Columbus, OH. I compared lots of rates. Saved roughly $30 a month. GEICO was the cheapest for me. It never hurts to quote around.
I’m looking for cheaper coverage. From Newark, New Jersey. I got free quotes with Amica, Safeco, and a few others for my Buick and I’m now saving $26 a month. Can still barely afford it.
From east side of Bangor, ME. Quoted prices online for a 2005 Buick Rainier. Ended up at about $450 savings annually. Went with 21st Century. Hardly afford to drive anymore.
Not sure what I should be paying. From a town just southwest of Billings, MT. Quoted prices online for a 2005 Buick Rainier. Ended up at about $390 savings annually. Went with GEICO. You can get a rate quote online.