Compare 2013 Buick Encore Insurance Rates

Trying to find the cheapest car insurance rates for your Buick Encore? Tired of being strong-armed to pay car insurance each month? You have the same problem as millions of other drivers. Since you have so many insurance providers from which to choose, it is very difficult to locate a more affordable company.

It’s a good idea to do rate comparisons quite often because prices trend upward over time. Despite the fact that you may have had the best price on Encore insurance at your last renewal a different company probably has better rate quotes today. Forget anything you know (or think you know) about car insurance because you’re about to learn the fastest and easiest way to get good coverage at a lower rate.

The purpose of this post is to instruct you on how car insurance quotes work and some tips to save money. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Drivers only need an understanding of how to compare prices over the internet.

Get lower rates with these discounts

Car insurance companies do not list every policy discount in an easy-to-find place, so the list below details some of the more common and also the more inconspicuous discounts that may be available.

• Paperwork-free – Many auto insurance companies will give a small break for buying your policy on your computer.
• No Accidents – Insureds with no claims or accidents get the best auto insurance rates when compared with bad drivers.
• Senior Citizen Discount – Drivers over the age of 55 can get a small discount on rates on Encore insurance.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
• Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.

As a sidenote, most credits do not apply to the entire cost. Most only reduce specific coverage prices like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. But any discount will help reduce your policy cost.

A list of auto insurance companies and the discounts they provide are shown below.

• Geico offers premium reductions for federal employee, daytime running lights, good student, multi-policy, five-year accident-free, and anti-lock brakes.
• SAFECO may have discounts that include bundle discounts, safe driver, multi-car, accident prevention training, anti-theft, drive less, and homeowner.
• State Farm has savings for passive restraint, good student, driver’s education, good driver, multiple policy, and safe vehicle.
• MetLife has discounts for claim-free, accident-free, good student, good driver, multi-policy, defensive driver
• 21st Century may include discounts for student driver, driver training, good student, teen driver, automatic seat belts, air bags, and theft prevention.
• Progressive includes discounts for homeowner, multi-vehicle, continuous coverage, good student, and online quote discount.

When comparing rates, check with each company or agent which credits you are entitled to. Savings may not be available in your area. To choose insurers that offer the discounts shown above, follow this link.

The best way to compare car insurance company rates is to know auto insurance companies have advanced systems to provide you with a free rate quote. To begin a comparison, all you need to do is provide information including how old drivers are, if it has an alarm system, coverage limits, and your credit rating estimate. The data is then sent to multiple companies and you will get price comparisons quickly.

To check Buick Encore insurance prices now, click here and find out if lower rates are available.

Insurance can be complex

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can help discover if you would benefit from an agent’s advice.

• Am I covered when driving in Canada or Mexico?
• Do I need rental car coverage?
• Does my 2013 Buick Encore qualify for pleasure use?
• Do I need PIP (personal injury protection) coverage in my state?
• I have good health insurance, so how much medical payments coverage do I need?
• Are there companies who specialize in insuring high-risk drivers?
• Is my state a no-fault state?
• If my 2013 Buick Encore is totaled, can I afford another vehicle?
• Does my personal policy cover me when driving out-of-state?
• Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Auto insurance 101

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Collision insurance

Collision coverage covers damage to your Encore caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Buick Encore.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, vandalism and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance

This can cover damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as structural damage, court costs, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills like EMT expenses, nursing services, chiropractic care and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Quote more, save more

When shopping online for auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Some auto insurance companies may not have internet price quotes and many times these smaller companies only sell through independent agencies. Discount 2013 Buick Encore insurance can be sourced online as well as from independent agents, and you should compare price quotes from both to have the best rate selection.

Much more information about auto insurance can be found at the links below

• Distracted Driving Statistics (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Credit Impacts Car Insurance Rates (State Farm)