2016 Buick Cascada Car Insurance Rates – 10 Tips for Cheaper Quotes

Searching for cheaper insurance rates for your Buick Cascada? If price shopping auto insurance quotes online is new to you, by this point your are probably confused by the vast number insurance agents and companies who all claim to have the lowest rates.

Consumers need to price shop coverage occasionally because rates go up and down regularly. Even if you got the best rate for Cascada coverage two years ago there may be better deals available now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to how to use online quotes to properly buy coverages while reducing your premium.

Save money by taking advantage of these ten discounts

Some insurance providers don’t always publicize every policy discount in a way that’s easy to find, so the below list has some of the best known and the harder-to-find credits that you can use to lower your rates. If you don’t get every credit available, you could be getting lower rates.

• Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
• Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Cascada coverage but check with your company.
• Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Life Insurance Discount – Not all companies offer life insurance, but some may give you a discounted price on car insurance if you buy life insurance.
• One Accident Forgiven – but a handful of insurance companies permit an accident without the usual rate increase if you have no claims for a certain period of time.
• Discounts for Good Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Cascada coverage than drivers with accident claims.
• Distant College Student Discount – Any of your kids who live away from home at college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Drivers Ed for Students – Teen drivers should take driver’s ed class in school.
• Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you could earn a discount of up to 20% off your total premium.

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, it just doesn’t work that way.

A few popular companies and a partial list of their discounts can be found below.

• Progressive offers discounts for continuous coverage, good student, homeowner, online quote discount, and multi-vehicle.
• AAA has discounts for good driver, education and occupation, good student, anti-theft, multi-policy, multi-car, and AAA membership discount.
• Farmers Insurance may offer discounts for multi-car, youthful driver, business and professional, homeowner, alternative fuel, bundle discounts, and pay in full.
• Geico may include discounts for daytime running lights, defensive driver, federal employee, seat belt use, and air bags.
• Esurance offers premium reductions for anti-lock brakes, online quote, good driver, claim free, DriveSense, defensive driver, and anti-theft.
• SAFECO discounts include safe driver, anti-theft, teen safe driver, drive less, multi-car, and accident prevention training.
• State Farm offers discounts including student away at school, anti-theft, Steer Clear safe driver discount, safe vehicle, and multiple autos.

When quoting, ask every company to give you their best rates. Discounts might not be offered on policies everywhere. If you would like to see a list of insurers with the best insurance coverage discounts, click this link.

The quickest way to compare insurance rates in your area utilizes the fact most larger insurance companies allow for online access to quote your coverage. The one thing you need to do is take a few minutes to give details like how many miles driven, the make and model of your vehicles, if you have an active license, and whether you drive to work or school. That information is submitted instantly to all major companies and they return cost estimate instantly to find the best rate.

To start a rate quote now, click here and see if a lower rate is available.

How much auto insurance do I need?

When it comes to buying coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions might point out whether you would benefit from an agent’s advice.

• Why am I be forced to buy a membership to get insurance from some companies?
• Can I get a multi-policy discount?
• Am I missing any policy discounts?
• Do I need medical payments coverage since I have good health insurance?
• How can I force my company to pay a claim?
• I have health insurance so do I need medical payments coverage?
• Are my friends covered when driving my 2016 Buick Cascada?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Coverages available on your auto insurance policy

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like ambulance fees, funeral costs, X-ray expenses, pain medications and chiropractic care. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

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

Liability coverages

Liability coverage can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things like repair costs for stationary objects, structural damage, medical services, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, theft, hitting a deer, fire damage and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This coverage will pay to fix damage to your Cascada from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Pennies from heaven

Drivers who switch companies do it for many reasons like policy cancellation, being labeled a high risk driver, extreme rates for teen drivers or delays in responding to claim requests. Whatever your reason, finding a great new company is pretty easy and you might even save some money in the process.

When shopping online for car insurance, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an insured cut comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.

In this article, we covered many ways to lower your 2016 Buick Cascada insurance auto insurance rates. The key concept to understand is the more price quotes you have, the better likelihood of getting cheap auto insurance. You may even discover the lowest priced car insurance comes from a smaller regional carrier.

For more information, feel free to visit the following helpful articles:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Liability Insurance Coverage (Nationwide)
• Auto Insurance Learning Center (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)