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.
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.
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.
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.
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.
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.
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 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.
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.
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:
I live just outside Hartford, CT. I got free rates from AIG Insurance, Safeco, and Travelers for my 2014 Buick Encore and I think I saved about $60 each month. Insured with State Farm before. Thankfully I’m not a high risk driver.
Great info, thanks for posting. Lifelong resident of Charleston, South Carolina. Got quotes with Auto-Owners, Safeco, and a few others for my Buick and I think I cut my rates about $60 each month. Insured with Erie before.
I got decent rates for a 2014 Buick Encore in Nampa, ID. Ended up at darn near $150 every six months with AAA. Switched homeowners coverage too.
Great site. Found cheapest coverage with Hartford for my Encore and am saving around $540 a year.
I compared a lot of rate quotes for a 2014 Buick Encore in Lincoln, NE. Ended up at roughly $360 every six months with Auto-Owners. My new agent seems to be really good.
Cheap is not always the best policy. Found cheapest coverage with Liberty Mutual for my Buick and cut my rates about $380 a year. Was with Safeco. I think they have home insurance too.
Anyone like their agent?
It all costs too much. From a town just southwest of Aurora, IL. Received rates from Auto-Owners, Sentry, and a few others for my Buick and saved $573 a year. I get a discount for insuring multiple vehicles. I got a quote from their website.
I got decent rates for a 2014 Buick Encore in Lewiston, ME. Ended up at darn near $500 every six months with AAA. Insured with Esurance before.
I can’t pay high rates. Live in the southern part of Indianapolis, Indiana. Compared rates from a lot of places. Saved darn near $40 a month. State Farm was the cheapest option for me. I get lower rates because of my clean driving record.
All companies are crooks. Went with 21st Century for my Buick and cut my rates about $410 a year.