Cheaper 2015 Buick Encore Car Insurance Rates

Trying to find cheaper car insurance rates for your Buick Encore? I really doubt anyone likes buying car insurance, especially when they know the cost is too high.

Companies like Geico, Farmers Insurance and State Farm persitently shower you with fancy advertisements and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

Smart consumers take time to check car insurance prices occasionally since prices change frequently. Just because you found the best deal for Encore coverage a couple years back you can probably find a better rate quote now. There is a lot of bad information regarding car insurance out there, but in this article, you’re going to get some guaranteed methods to put money back in your pocket.

Save with these money-saving discounts

Some insurers do not advertise every disount available in a way that’s easy to find, so below is a list some of the best known and the harder-to-find discounts that may be available. If they aren’t giving you every credit available, it’s possible you qualify for a lower rate.

• Accident Free – Insureds with no claims or accidents are rewarded with significantly better rates on insurance coverage quote in comparison with accident-prone drivers.
• Paperless Signup – A few insurance companies provide a small discount simply for signing digitally online.
• Safety Restraint Discount – Drivers who require all occupants to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
• Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save up to 5%.
• ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can avoid accidents and therefore earn up to a 10% discount.
• Accident Forgiveness – Not really a discount, but some companies like Liberty Mutual, Allstate and State Farm permit an accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
• Multiple Policy Discount – When you combine your homeowners and auto insurance with the same insurance company you may earn up to 20% off your total premium.
• Air Bags and Passive Restraints – Factory air bags or motorized seat belts may get savings of 20 to 30 percent.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, car insurance companies aren’t that generous. Any amount of discount should help lower your policy premiums.

A partial list of companies that may offer quotes with most of the discounts above possibly include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

When quoting, ask each insurance company to apply every possible discount. Some of the discounts discussed earlier may not apply to policyholders in your area. To see car insurance companies offering car insurance discounts, click this link.

Do I need special coverages?

When buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

• Is there coverage for injuries to my pets?
• Should I have combined single limit or split liability limits?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my camper covered by my car insurance policy?
• Is a blown tire covered by insurance?
• Should I buy additional glass protection?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Can switching companies really save?

Popular auto insurance providers such as 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies try to convey promises about how much you will save if you just switch your policy. Is it even possible that every company can make the same claim? You have to listen carefully.

Insurance providers quote the lowest rates for the type of driver that will generate a profit. For example, a profitable risk profile may need to be between 30 and 50, has no driving citations, and drives less than 5,000 miles a year. A propective insured who fits that profile will get the preferred car insurance rates as well as cut their rates substantially.

Insureds who may not quite match those standards may receive higher premium rates which leads to the customer not buying. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” save that much money. This is how companies can truthfully make claims that they all have the best rates.

Because of the profiling, you need to get price quotes at each policy renewal. You cannot predict which auto insurance company will give you the biggest savings.

Insurance coverage considerations

Understanding the coverages of insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Liability – This coverage can cover damage that occurs to other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like bail bonds, funeral expenses, loss of income, structural damage and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your 2015 Buick Encore.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage – This coverage will pay to fix damage to your Encore resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a deer and theft. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses for things like ambulance fees, X-ray expenses and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Have the Midas touch

We just showed you a lot of ways to get a better price on 2015 Buick Encore insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the best price on auto insurance is with the least-expected company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where an insured cut collision coverage and learned later they didn’t have enough coverage. Your objective should be to buy enough coverage at the best price while not skimping on critical coverages.

Additional detailed information is located by following these links:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Shopping for a Safe Car (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Teen Driving Statistics (Geico)