How Much Does 2012 Buick Verano Insurance Cost?

Drivers have many options when trying to find affordable Buick Verano insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to make rate comparisons.

There is a better way to find car insurance online and you need to know the quickest way to get price quotes for a new or used Buick and obtain the lowest possible price from local insurance agents and online providers.

Consumers should take time to compare prices quite often because prices are usually higher with each renewal. If you had the lowest quotes for Verano coverage on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because we’re going to demonstrate one of the quickest ways to find great coverage at a great price.

What determines Buick Verano insurance rates?

A large part of saving on insurance is knowing the factors that go into determining your policy premiums. If you know what influences your rates, this allows you to make good choices that could help you find cheaper rates.

• Discounts for alarms and GPS tracking – Choosing a vehicle with advanced anti-theft systems can help lower your rates. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.
• Liability protection limits are a factor – Liability insurance will provide protection in the event that you are determined to be liable for personal injury or accident damage. Liability insurance provides legal defense coverage to defend your case. It is affordable coverage compared to comp and collision, so drivers should carry high limits.
• Insurance rates for married couples – Having a spouse actually saves money when buying insurance. Marriage translates into being more financially stable and it’s statistically proven that married drivers tend to have fewer serious accidents.
• Insurance rates may be lower depending on your occupation – Do you work in a high-stress field? Jobs like fire fighters, business owners and accountants tend to pay higher premiums than the average policyholder because of high stress and extremely grueling work hours. Conversely, professions such as actors, athletes and homemakers get better rates for Verano coverage.
• More than one policy can earn a discount – Most insurance companies afford better rates for people who carry more than one policy in the form of a multi-policy discount. The discount can be five, ten or even twenty percent. Even with this discount, consumers should still shop around to confirm you are receiving the best rates possible.

Verify you’re receiving every discount

Car insurance companies don’t list every discount they offer in a way that’s easy to find, so we took the time to find a few of the more well known and also the more inconspicuous discounts that you may qualify for. If you do not check that you are getting every discount possible, you’re paying more than you need to.

• Seat Belts Save – Forcing all vehicle occupants to use a seat belt can save 10% or more off PIP or medical payments premium.
• Paperless Signup – Some of the larger companies will give a small break just for signing your application on the web.
• Data Collection Discounts – People who choose to allow their auto insurance company to analyze vehicle usage by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
• Mature Driver Discount – Older drivers can get a small discount on rates for Verano coverage.
• Lower Rates for Military – Being deployed with a military unit could trigger a small discount.
• No Charge for an Accident – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
• Multi-line Discount – Not all companies offer life insurance, but some may give you a lower auto insurance rate if you buy a life insurance policy as well.
• Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of more than 20%.
• Policy Bundle Discount – When you have multiple policies and insure them both with the same insurance company you could save at least 10% off all policies.
• Sign Early and Save – Select companies give a discount for switching policies before your current policy expires. You can save around 10% with this discount.

As a footnote on discounts, some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it’s just not the way it works. But all discounts will bring down your overall bill.

To view auto insurance companies that offer many of these discounts, click this link.

When should I discuss my situation with an agent?

When choosing the right insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if your situation might need professional guidance.

• Am I covered if I hit my neighbor’s mailbox?
• What is covered by UM/UIM coverage?
• Will filing a claim cost me more?
• Does my insurance cover a custom paint job?
• Does car insurance cover theft of personal property?
• Should I sign the liability waiver when renting a car?
• Do I need replacement cost coverage?
• Should I buy more coverage than the required minimum liability coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance coverage information

Having a good grasp of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, vandalism, damage from a tornado or hurricane, damage from flooding and theft. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

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

Collision coverage protects against things such as crashing into a ditch, hitting a parking meter, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Buick Verano.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like prosthetic devices, EMT expenses and pain medications. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical services, pain and suffering, medical expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Save your hard earned cash

Lower-priced 2012 Buick Verano insurance can be sourced on the web and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not provide rates over the internet and these small insurance companies work with independent insurance agencies.

When shopping online for insurance, do not skimp on coverage in order to save money. There have been many situations where drivers have reduced full coverage and learned later that the savings was not a smart move. Your focus should be to get the best coverage possible at an affordable rate while still protecting your assets.

Drivers switch companies for any number of reasons including an unsatisfactory settlement offer, lack of trust in their agent, policy non-renewal and not issuing a premium refund. Regardless of your reason for switching companies, finding a new company can be less work than you think.

Even more information is available in the articles below:

• Distracted Driving (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Auto Insurance FAQ (Farmers Insurance)
• Auto Theft Statistics (Insurance Information Insitute)