Cheap 2016 Buick Verano Insurance Rates

Trying to find lower auto insurance rates for your Buick Verano? Think you have an expensive auto insurance policy? Don’t feel bad because many drivers feel the same as you. Because there are so many options when it comes to auto insurance, it’s difficult to choose the right auto insurance provider.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you should be able to cut costs considerably using this strategy. Drivers just need to understand the most efficient way to compare price quotes on the web.

How to buy insurance

There are a variety of methods to compare insurance quotes, but one way is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could use online quoting to get prices fast.

Most major companies participate in an industry program where prospective buyers only type in their quote data once, and every company can give them a price. This system prevents you from having to do repetitive form submissions to each individual insurance company.

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

The single downside to using this type of form is you are unable to specify which providers to get pricing from. If you prefer to choose specific insurance companies to compare rates, we have a listing of low cost insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but make darn sure you compare identical coverage limits and deductibles for each price quote. If the quotes have mixed coverages it will be next to impossible to make a fair comparison for your Buick Verano.

It’s not one size fits all

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help you determine if your insurance needs will benefit from professional help.

• If my 2016 Buick Verano is totaled, can I afford another vehicle?
• Do I need added coverage for expensive stereo equipment?
• Is my ex-spouse still covered by my policy?
• Where can I get insurance after a DUI in my state?
• Is my teenager covered with friends in the car?
• Can I make deliveries for my home business?
• Is my custom paint covered by insurance?
• Should I carry comprehensive and collision coverage?
• Am I covered when driving in Canada or Mexico?
• Does insurance cover tools stolen from my truck?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance coverage basics

Learning about specific coverages of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by car insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses like funeral costs, rehabilitation expenses, EMT expenses, hospital visits and chiropractic care. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as emergency aid, medical services and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Buick Verano.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision insurance

This will pay to fix damage to your Verano resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, sideswiping another vehicle, rolling your car, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hail damage, hitting a bird, theft and rock chips in glass. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.