No car owner looks forward to paying for auto insurance, especially when they know they could lower their rates if they shopped around. Many car insurance companies compete to insure your vehicles, so it’s not easy to compare every insurance company to find the absolute lowest rate possible.
You should take the time to compare prices every six months due to the fact that insurance rates are usually higher with each renewal. Just because you had the best rate for Enclave insurance at your last renewal the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the things you must know in order to buy cheaper auto insurance.
If you are insured now or need a new policy, you can use this information to cut your premiums while maximizing coverage. Finding the best rates is not rocket science. Drivers only need an understanding of the proper way to shop their coverage around online.
Some insurance providers do not advertise all available discounts in an easy-to-find place, so we break down a few of the more well known in addition to some of the lesser obvious credits that may apply to you.
As a footnote on discounts, most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.
Some of the larger companies who might offer some of the discounts shown above include:
When getting free auto insurance quotes, it’s a good idea to each insurance company to apply every possible discount. Some of the earlier mentioned discounts may not be available in your area.
There are multiple methods to compare insurance coverage prices but one way is more efficient than others. You can waste hours talking to insurance agencies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.
Many insurance companies enroll in a system that allows shoppers to submit their information once, and each participating company can give them a price determined by their information. This prevents consumers from doing quotation requests to each company.
To enter your information into the quoting system, click to open in new window.
The single downside to using this type of form is you don’t know exactly which insurance companies you want to price. If you prefer to choose specific providers to receive pricing from, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.
Whichever way you use, compare the exact same quote information with every price quote. If you have different limits and deductibles on each one you can’t possibly truly determine the lowest rate.
When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different so this has to be addressed. For example, these questions might point out whether or not you might need professional guidance.
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Consumers can’t get away from ads for the lowest price insurance coverage by Progressive, Allstate and Geico. All the ads have a common claim that people will save if you just switch your policy.
That’s great but how can every company give you a better price?
Insurance coverage companies quote their cheapest rates for a prospective insured that will generate a profit. For example, a desirable insured may be over the age of 40, has no driving citations, and drives newer vehicles. Any new insured that matches those criteria will probably get the lowest premium rates and most likely will save if they switch.
Potential customers who cannot meet this stringent profile will have to pay higher prices which usually ends up with the customer buying from someone else. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” save that kind of money. That’s why insurance companies can confidently advertise the savings. Different companies use different criteria so drivers must quote coverage with many companies. It’s not possible to predict which insurance coverage company will have better premium rates than you’re paying now.
Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance reimburse you for bills for doctor visits, nursing services and ambulance fees. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision coverage protection
Collision insurance will pay to fix damage to your Enclave from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against claims like crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.
Liability auto insurance
Liability coverage can cover damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability can pay for claims such as repair costs for stationary objects, medical services, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy higher limits if possible.
This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like vandalism, hitting a deer, a broken windshield and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where someone dropped collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best possible price while still protecting your assets.
We just presented quite a bit of information on how to save on 2009 Buick Enclave insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers could even find that the best car insurance rates are with a smaller regional carrier. These companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Geico and State Farm.
More information can be read at the links below