2014 Buick Encore Insurance Cost

Scraping up a payment for pricey Buick Encore insurance can diminish your monthly budget and force you to cut corners elsewhere. Performing a rate comparison can lower your rates and help to tighten up your finances.

Since you have so many choices, it can be diffult for drivers to choose the most cost effective auto insurance company.

Discounts for cheaper insurance quotes

Insurance can be pricey, but you may qualify for discounts that could drop your premiums quite a bit. Some trigger automatically at quote time, but some need to be specifically requested prior to receiving the credit.

• Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Bundle and Save – When you combine your home and auto insurance and insure them both with the same insurance company you will save 10% to 20% off each policy.
• Service Members Pay Less – Being on active deployment in the military could qualify you for better insurance rates.
• Data Collection Discounts – Drivers who agree to allow driving data submission to analyze their driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as the data is positive.
• Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the medical payments premium.
• Accident Free – Claim-free drivers have much lower rates in comparison with policyholders that have many claims.

Discounts lower rates, but many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think it’s possible to get free car insurance, nobody gets a free ride. But all discounts will bring down your insurance premiums.

Larger insurance companies and their offered discounts can be found below.

• Geico includes discounts for five-year accident-free, military active duty, multi-policy, federal employee, anti-theft, and defensive driver.
• USAA may include discounts for safe driver, loyalty savings, driver training, family discount, vehicle storage, annual mileage, and new vehicle.
• Progressive offers premium reductions for online quote discount, good student, multi-policy, multi-vehicle, continuous coverage, and homeowner.
• American Family has savings for multi-vehicle, good driver, early bird, bundled insurance, and Steer into Savings.
• Esurance policyholders can earn discounts including claim free, anti-theft, emergency road assistance, good driver, and homeowner.
• Farmers Insurance has discounts for bundle discounts, homeowner, mature driver, youthful driver, early shopping, and electronic funds transfer.
• State Farm discounts include driver’s education, Steer Clear safe driver discount, accident-free, good driver, multiple policy, and passive restraint.

When comparing rates, check with all companies you are considering what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders in every state. If you would like to view companies that offer discounts, click this link.

Insurance costs are influenced by these factors

It’s important that you understand some of the factors that aid in calculating your policy premiums. If you have some idea of what controls the rates you pay, this enables you to make decisions that could result in lower rates.

• Annual mileage impacts premiums – The higher the miles on your Buick in a year’s time the higher your rates will be. A lot of insurance companies charge rates based on their usage. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. Improper usage on your Encore can result in significantly higher rates. It’s a good idea to make sure your insurance coverage declarations sheet reflects the proper vehicle usage, because it can save money.
• Combine policies and save money – The majority of insurers will give lower prices to customers who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to ten percent or more. Even with this discount, you may still want to compare rates to help ensure you have the lowest rates.
• Small claims can cost you – If you tend to file frequent claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Car insurance companies provide better rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for claims that pose a financial burden.
• Liability protection claims can be big – A critical coverage on your policy, liability insurance provides coverage if a court rules you are at fault for damages from an accident. Your liability coverage provides legal defense coverage starting from day one. It is affordable coverage compared to other policy coverages, so insureds should have plenty of protection for their assets.
• Pay more if you have a long commute – Living in a small town may provide you with better prices when talking about insurance coverage. Fewer drivers corresponds to lower accident rates and also fewer theft and vandalism claims. City drivers tend to have much more traffic and longer commutes to work. Higher commute times statistically corresponds to a higher accident and claim rate.

You may need specialized insurance coverage

When it comes to choosing coverage, there really is not a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

• When should I buy a commercial auto policy?
• Will my rates increase for filing one claim?
• Should I put collision coverage on all my vehicles?
• Do I have coverage when making deliveries for my home business?
• What is no-fault insurance?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance companies are expert advertisers

Auto insurance companies such as State Farm, Geico and Progressive regularly use ads on TV and radio. They all seem to seem to make the promise that people will save if you just switch your auto insurance coverage to their company. How is it possible that every company can charge you a lower premium? It’s all in the numbers.

Companies have a certain “appetite” for a prospective insured that earns them the highest profit. One example of a profitable customer should be between the ages of 30 and 45, insures multiple vehicles, and has excellent credit. A customer getting a price quote who matches those parameters may get the lowest prices and have a good chance to save if they switch.

Consumers who are not a match for these standards will probably have to pay higher rates which translates to the driver buying from a lower-cost company. If you listen closely, the ads state “customers that switch” not “everybody who quotes” save that much money. This is how insurance companies can lure you into getting a quote.

This emphasizes why you really need to get insurance coverage quotes as often as possible. It’s just not possible to know which auto insurance company will be your best fit.

Car insurance specifics

Understanding the coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on most car insurance policies.

Medical expense coverage – Coverage for medical payments and/or PIP pay for bills like dental work, X-ray expenses and ambulance fees. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance pays for damage to your Encore caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Buick Encore.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive protection – This pays for 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 can pay for claims like hail damage, rock chips in glass, damage from flooding, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, medical services, emergency aid and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Save your hard earned cash

When you buy insurance coverage online, it’s very important that you do not skimp on coverage in order to save money. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time that the savings was not a smart move. Your goal should be to buy enough coverage at the best price, but don’t skip important coverages to save money.

Lower-priced insurance can be bought from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not offer rate quotes online and most of the time these smaller providers prefer to sell through independent insurance agencies.

More detailed insurance information is located in the articles below:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Where can I buy Insurance? (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• What is Gap Insurance? (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)