How Much Does 2015 Buick Verano Car Insurance Cost?

Locating better insurance prices for a new or used Buick Verano could be a lot of work, but you can use these tips to save time. There is a better way to find car insurance online so you’re going to learn the absolute fastest way to get price quotes for a Buick and locate the lowest price from local insurance agents and online providers.

Compare insurance rates

Effectively comparing insurance prices can take hours if you don’t know the most efficient way to do it. You can spend countless hours driving to insurance agencies in your area, or you can stay home and use the web to get prices fast.

The majority of car insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company then returns a price quote. This saves time by eliminating form submissions to each individual insurance company.

To find out how much you can save on insurance click to open in new window.

The only downside to doing it this way is you cannot specify the providers to receive prices from. So if you want to choose specific insurance companies to receive pricing from, we have a listing of companies who write insurance in your area. Click to view list.

How you compare quotes is your choice, just make darn sure you compare the exact same coverage information on every quote. If you have differing limits it will be very difficult to get a fair rate comparison.

How car insurance companies calculate Buick Verano insurance costs

Many factors are considered when premium rates are determined. A few of the factors are predictable such as traffic violations, but other factors are less obvious like where you live or your vehicle rating.

• Teenagers vs. older drivers – Teen drivers have been known to be careless and easily distracted behind the wheel and because of this, their car insurance rates are much higher. Older insureds are proven to be safer behind the wheel, cause fewer claims and accidents and receive fewer citations.
• Compare rates if you consolidate your policies – Most larger car insurance companies apply better rates to customers that buy multiple policies such as combining an auto and homeowners policy. The discount can be five, ten or even twenty percent. Even with this discount applied, you may still want to compare rates to verify if the discount is saving money. You may still save even more by insuring with multiple companies.
• Drive less and pay lower prices – The higher the mileage driven annually the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars partially by how you use the vehicle. Vehicles not used for work or commuting qualify for better rates than cars that get driven a lot. Having the wrong rating on your Verano may be costing you. Verify your policy shows how each vehicle is driven.
• Only buy coverage you need – Policies have extra add-on coverages that sound like a good idea at the time on your car insurance policy. Things like coverage for rental cars, towing coverage, and motor club memberships are examples of these. You may think they are a good idea at first, but if you don’t need them think about removing them and cutting costs.
• Do you know you’re credit rating? – Having a good credit rating can be an important factor in determining premium rates. So if your credit is low, you could potentially save money when insuring your 2015 Buick Verano by repairing your credit. People that have high credit scores tend to be more responsible and file fewer claims as compared to drivers with worse credit.
• Your job may affect premiums – Did you know your occupation can influence how much you pay for car insurance? Jobs such as military generalsair traffic controllers and dentists tend to pay higher premiums than the average policyholder attributed to intense work-related stress and lengthy work days. Conversely, jobs such as scientists, athletes and the unemployed have lower than average premiums for Verano coverage.
• Alarms and GPS tracking systems cut rates – Selecting a car model with advanced anti-theft systems can help lower your premiums. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
• How much liability insurance – Liability coverage will provide protection when you are found to be at fault for physical damage or personal injury to other. Your liability coverage provides for a legal defense to attempt to prove you were not liable. It is affordable coverage when compared with rates for comp and collision, so do not skimp.

Discounts can really help save money

Some providers don’t necessarily list their entire list of discounts in a way that’s easy to find, so the following list contains a few of the more well known and the more hidden credits that you can use to lower your rates.

• Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates when getting a car insurance quote.
• College Student – Older children who are enrolled in higher education away from home without a vehicle on campus may be insured at a cheaper rate.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to fasten their seat belts can save a little off the medical payments premium.
• Air Bags and Passive Restraints – Options like air bags or motorized seat belts can get savings up to 30%.
• First Accident Forgiveness – Not a discount per se, but companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident before they charge you more for coverage if your claims history is clear for a specific time period.
• Homeowners Pay Less – Owning your own home or condo can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
• Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Drive Less and Save – Maintaining low annual mileage could earn discounted auto insurancerates on garaged vehicles.

It’s important to understand that most discounts do not apply the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

Larger auto insurance companies and a selection of discounts can be read below.

• State Farm offers discounts for defensive driving training, safe vehicle, multiple autos, passive restraint, and good student.
• Farmers Insurance offers premium reductions for switch companies, multi-car, good student, electronic funds transfer, early shopping, and bundle discounts.
• Progressive offers discounts including online quote discount, multi-policy, online signing, continuous coverage, and homeowner.
• Geico policyholders can earn discounts including anti-lock brakes, military active duty, membership and employees, federal employee, and multi-vehicle.
• Auto-Owners Insurance may have discounts that include multi-policy, safe driver, anti-theft, company car, paid in full, and group or association.
• The Hartford discounts include bundle, vehicle fuel type, air bag, good student, anti-theft, driver training, and defensive driver.
• Farm Bureau includes discounts for 55 and retired, good student, safe driver, multi-policy, multi-vehicle, and renewal discount.
• USAA may include discounts for loyalty savings, multi-policy, multi-vehicle, vehicle storage, and family discount.

Before buying, ask each insurance company which discounts can lower your rates. Discounts may not be offered in your area. To choose insurance companies who offer discounts, click this link.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

• How many claims can I have before being cancelled?
• What is roadside assistance coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Who is covered by my policy?
• Are rental cars covered under my policy?
• Why does it cost so much to insure a teen driver?
• Can my teen drive my company car?
• Is motorclub coverage worth it?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Parts of your insurance policy

Knowing the specifics of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others, 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. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as funeral expenses, medical services, bail bonds, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, pain medications, funeral costs, ambulance fees and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Be a Smart Shopper

More affordable car insurance can be bought on the web and with local insurance agents, so you need to shop car insurance with both in order to have the best chance of saving money. There are still a few companies who don’t offer rates over the internet and most of the time these small insurance companies only sell coverage through independent insurance agencies.

Drivers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, unfair underwriting practices, high prices and even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a great new company is easier than you think.

We just covered a lot of techniques to shop for 2015 Buick Verano insurance online. The key thing to remember is the more you quote car insurance, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies.

To learn more, take a look at the following helpful articles:

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Auto Theft Statistics (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)