2016 Buick Envision Car Insurance Rates – 8 Tricks for Best Quotes

Trying to find low cost Driversinsurance coverage is kind of frustrating for beginners to comparing rates online. With so many online companies available, it can quickly become a difficult mission to lower your rates.

It’s smart to price shop coverage once or twice a year because rates are usually higher with each renewal. If you had the lowest rate on Envision coverage a year ago you will most likely find a better price today. Forget anything you know (or think you know) about insurance coverage because you’re going to learn the things you must know in order to save money, get proper coverage and the best rates.

Buying the lowest cost coverage can be fairly easy. In a nutshell, anyone who is required by state law to have insurance will be able to cut their insurance bill. Nevertheless, drivers can benefit from knowing how the larger insurance companies sell insurance online.

How much does car insurance cost?

Shopping for lower car insurance rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can waste hours driving to agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Many insurance companies enroll in a system where prospective buyers submit one quote, and each company then returns a price quote based on that information. This eliminates the need for form submissions to every company.

To compare pricing click here (opens in new window).

The only downside to using this type of system is you can’t choose which companies to receive prices from. So if you want to select specific insurance companies to receive pricing from, we have a page of the cheapest car insurance companies in your area. Click here to view list.

Whichever method you choose, try to keep apples-to-apples coverage information on every price quote you get. If the quotes have mixed coverages you will not be able to determine the lowest rate for your Buick Envision. Quoting even small variations in insurance coverages or limits can result in a big premium difference. Keep in mind that comparing more rates from different companies provides better odds of finding more affordable rates. Not every company does rate quotes online, so you need to compare prices from the smaller companies as well.

Don’t overlook these eight insurance discounts

Insurance is expensive, but you may be missing some discounts that can help lower your rates. Some discounts will apply when you get a quote, but some must be specifically requested before you get the savings.

• Early Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
• Federal Employees – Active or retired federal employment could cut as much as 10% off on Envision coverage with select insurance companies.
• No Claims – Drivers who don’t have accidents pay less as compared to drivers who are more careless.
• Good Student Discount – Being a good student can save 20 to 25%. You can use this discount normally up to age 25.
• Buy New and Save – Buying a new car model can save up to 30% since new model year vehicles have better safety ratings.
• Paper-free Discount – Certain larger companies will discount your bill up to fifty bucks simply for signing on your computer.
• Theft Deterent – Cars equipped with anti-theft or alarm systems are less likely to be stolen and can earn a small discount on your policy.
• Early Switch Discount – Some companies provide a discount for buying a new policy prior to your current policy expiration. You can save around 10% with this discount.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, insurance companies aren’t that generous.

Car insurance companies that may offer quotes with these money-saving discounts include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Before buying, ask every prospective company which discounts can lower your rates. All car insurance discounts may not be offered in your area.

When to get professional advice

When buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining whether you will benefit from professional help.

• Do I really need UM/UIM coverage?
• What is the difference between comprehensive and collision coverage?
• Is my state a no-fault state?
• Is my trailer covered?
• Why am I required to buy liability insurance?
• What can I do if my company denied a claim?
• When should I remove comp and collision on my 2016 Buick Envision?
• Does insurance cover damages from a DUI accident?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

What insurance coverages do you need?

Having a good grasp of insurance aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as chiropractic care, prosthetic devices, funeral costs, pain medications and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, rock chips in glass, hitting a bird and vandalism. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

This coverage will cover damages or injuries you inflict on other’s property or people. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like structural damage, bail bonds, medical expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Buick Envision.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

This will pay to fix damage to your Envision resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, damaging your car on a curb, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Have the Midas touch

When shopping online for insurance, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where someone dropped liability coverage limits and learned later they didn’t have enough coverage. The goal is to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.

Insureds who switch companies do it for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, unfair underwriting practices and poor customer service. Regardless of your reason for switching companies, finding a new insurance company is pretty easy and you might even save some money in the process.

We just covered a lot of ways to get a better price on 2016 Buick Envision insurance. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding inexpensive insurance. Drivers may discover the best price on insurance is with the smaller companies.

For more information, link through to these articles:

• Senior Drivers (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Electronic Stability Control FAQ (iihs.org)