Buying the lowest price car insurance on the internet may at first seem to be rather difficult for consumers who are new to price shopping on the web. With so many options of online companies available, how can consumers efficiently compare all the different companies and get the lowest price available?
It’s a good habit to get comparison quotes on a regular basis because car insurance rates change quite often. Just because you had the lowest rate for Encore coverage last year you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to find out the only way to get good coverage at a lower rate.
If you have car insurance now, you will most likely be able to save some money using this strategy. Finding the cheapest coverage can be fairly easy. But vehicle owners must comprehend how the larger insurance companies sell online and take advantage of how the system works.
Effectively comparing insurance prices can take time and effort if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can utilize the internet to get pricing more quickly.
Most major companies belong to a marketplace that allows shoppers to submit one quote, and each company provides a quote based on that information. This system prevents you from having to do form submissions for each company.
To submit your quote information now, click to open in new window.
The only drawback to pricing coverage this way is you are unable to specify which providers you want to price. So if you want to select from a list of companies to request quotes from, we put together a list of companies who write insurance in your area. Click to view list.
Whichever way you use, try to keep apples-to-apples quote data for each quote you get. If your comparisons have different limits and deductibles on each one then you won’t be able to make a fair comparison for your Buick Encore. Even a minor difference in coverage limits may cause a big price difference. Just keep in mind that comparing a large number of companies increases the change that you will find a better price.
Insurance companies such as State Farm, Geico and Progressive constantly bombard you with ads in print and on television. All the companies advertise claims that drivers can save some big amount after switching to their company. It sounds good, but how can they all give you a better price? It’s all in the wording.
Many companies quote their best rates for the type of driver that will generate a profit. An example of a driver they prefer could possibly be a married female, has had continuous coverage, and has great credit. A customer getting a price quote who meets those qualifications is entitled to the best price as well as pay quite a bit less when switching companies.
Consumers who fall outside this ideal profile may receive more expensive rates and this results in the customer not purchasing. The ad wording is “people who switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how companies can make it sound like they have such great prices.
Because of the profiling, it is so important to get auto insurance quotes as often as possible. You cannot predict which insurance company will have the lowest premium rates for your situation.
Car insurance companies don’t list every discount they offer very well, so the following is a list of some of the more common and also the more inconspicuous credits available to bring down your rates.
A quick disclaimer, most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like you can get free auto insurance, you’re out of luck. Any qualifying discounts will cut your insurance coverage premiums.
Popular insurance coverage companies and some of the discounts are shown below.
If you need the cheapest auto insurance quotes, ask every insurance company which discounts they offer. Discounts might not be offered on policies everywhere. For a list of companies with significant discounts, follow this link.
When buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.
For example, these questions might help in determining if your insurance needs might need professional guidance.
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form.
Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for prosthetic devices, ambulance fees, doctor visits, surgery and nursing services. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Comprehensive (Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as hail damage, a tree branch falling on your vehicle, a broken windshield and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverages – This covers damage to your Encore caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims like rolling your car, colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.
Auto liability – This provides protection from damage that occurs to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability coverage pays for things such as repair costs for stationary objects, medical expenses and court costs. How much coverage you buy is your choice, but buy as high a limit as you can afford.
Protection from uninsured/underinsured drivers – This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your 2016 Buick Encore.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
We’ve covered many ways to get a better price on 2016 Buick Encore insurance. The key thing to remember is the more you quote auto insurance, the higher your chance of finding low cost auto insurance. You may even discover the best car insurance rates are with the least-expected company.
When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. In too many instances, an insured cut collision coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at the best possible price, not the least amount of coverage.
Drivers leave their current company for many reasons like extreme rates for teen drivers, policy non-renewal, an unsatisfactory settlement offer or even lack of trust in their agent. Regardless of your reason, finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.
More information can be read on the following sites:
Mine is so expensive. Got a quote with Farmers for my Buick and am saving around $420 a year. Insured with Esurance before. Teenage drivers are expensive!
I’m just south of Worcester, MA. Quoted rates from Progressive, Amica, Farmers, and Liberty Mutual for my 2016 Buick Encore and I’m now saving $48 a month.
Well-written and thought out article. I live in a small town just outside of Kailua, Hawaii. Compared quite a few companies. Saved about $20 a month. State Farm was the best choice for me. Thankfully I have a good driving record. I quoted rates online then called them.
I found pretty cheap rate quotes for a 2016 Buick Encore in Aurora, Colorado. Ended up at right around $500 every six months with AAA. Left Farmers to switch.
If you don’t have tickets and live near Fort Smith, AR, check out 21st Century. You might save some money. Insured with Auto-Owners before. I used their website to get prices.
From a town just southwest of Atlanta, Georgia. I quoted with Allstate, Eastwood, and The General for my 2016 Buick Encore and I think I cut my rates about $60 each month. Left Liberty Mutual to switch. Wish I didn’t have to insure at all.
Cheaper not always better. Got a quote with Liberty Mutual for my 2016 Buick Encore and saved around $450 a year. :P
I compared a lot of rate quotes for a 2016 Buick Encore in Tulsa, Oklahoma. Ended up at right around $160 every six months with American Family. I recommend comparing lots of rates.
Is 21st Century cheap in Davenport, IA?
Well-written and thought out article. From a town just southwest of Montgomery, AL. I got free prices from American Family, Nationwide, and Travelers for my Encore and saved just over $370 a year. Left Mercury to switch. I get multi-vehicle and multi-policy discounts. Wish I didn’t have to insure at all.