Want lower insurance rates for your Buick Cascada? Are you regretting buying an underperforming, overpriced insurance policy? You’re preaching to the choir because many drivers feel the same as you.
People have multiple auto insurance companies to buy insurance from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates.
Some insurers don’t always list the complete list of policy discounts in an easy-to-find place, so below is a list a few of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.
Policy discounts save money, but most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But all discounts will lower your policy premiums.
A list of companies and a summarized list of policyholder discounts are included below.
When comparing rates, check with each insurance company which discounts you qualify for. All car insurance discounts might not be available to policyholders in your area.
All the larger insurance companies make it easy to get coverage prices on the web. Obtaining pricing is pretty painless as all you need to do is type in the coverages you want into the quote form. After the form is submitted, the quote system orders information on your driving record and credit history and returns a price quote. Online price quotes makes it a lot easier to compare rates but the process of having to visit many different websites and fill out multiple forms is monotonous and tiresome. But it’s necessary to compare as many rates as possible if you want to get the best price possible.
A quicker way to find better insurance pricing makes use of a single form that analyzes rates from multiple companies. The form is fast, requires less work, and makes online quotes much more enjoyable and efficient. Immediately after submitting the form, it is quoted with multiple companies and you can pick any or none of the pricing results.
If a lower price is quoted, it’s easy to complete the application and purchase the new policy. This process only takes a few minutes and may result in a nice savings.
If you want to find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you enter deductibles and limits identical to your current policy. This ensures you are getting a fair comparison based on similar coverages.
When choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different so your insurance should reflect that For example, these questions might help in determining whether you will benefit from professional help.
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.
Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by car insurance companies.
Collision coverage protection
Collision coverage covers damage to your Cascada caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like colliding with another moving vehicle, colliding with a tree, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.
Coverage for medical payments
Med pay and PIP coverage pay for immediate expenses for things like doctor visits, dental work, rehabilitation expenses, ambulance fees and nursing services. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage
This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are set the same as your liablity limits.
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as rock chips in glass, damage from flooding and theft. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability auto insurance
Liability insurance will cover damages or injuries you inflict on people or other property in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims like bail bonds, loss of income, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.
Cheaper 2017 Buick Cascada insurance is possible on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer rates over the internet and many times these small insurance companies work with independent agents.
In this article, we presented quite a bit of information on how to save on 2017 Buick Cascada insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding the cheapest insurance. You may even find the biggest savings come from some of the lesser-known companies. Some small companies may have significantly lower premium rates on certain market segments compared to the large companies like Geico and State Farm.
Additional auto insurance information can be found below:
Here’s my info. I’m in Memphis, TN. Quoted with Nationwide, Esurance, GEICO, and Auto-Owners for my Cascada and saved $412 a year. Hopefully won’t need it.
IT’S ALL TOO EXPENSIVE! I live south of Sioux Falls, SD. Got rates from Safeco, Eastwood, Allstate, and AAA for my 2017 Buick Cascada and I’m now saving $31 a month. They have free quotes online.
Good site, thanks. I live just to the east of Birmingham, AL. Quoted with Travelers, Amica, Hartford, and Nationwide for my 2017 Buick Cascada and I’m now saving $15 a month.
I compared a lot of rate quotes for a 2017 Buick Cascada in Rochester, NY. Ended up at right around $160 every six months with American Family. I have several vehicles insured with them. LOL
I live in a small town just outside of North Charleston, South Carolina. Got rates from Safeco, Farmers, GEICO, and AIG Insurance for my Cascada and I’m now saving $61 a month. Have an at-fault accident tho. I got a quote from their website.
If you have a good history and live in the vicinity of Chesapeake, Virginia, check out GEICO. You might save some money.
Will 21st Century raise rates after an accident?
Cheapest quote for my 2017 Buick Cascada was with Erie. Even increased my liability limits. Highly recommended.
Just my two cents. I live in a small town just outside of Louisville, KY. Quoted quotes with State Farm, Farmers, and The General for my Buick and I’m now saving $37 a month. Insured with Liberty Mutual before. Have an at-fault accident tho. Highly recommended.
I live in a small town just outside of Milwaukee, WI. Quoted prices online for a 2017 Buick Cascada. Ended up at about $490 savings annually. Went with 21st Century. I even had a DUI years ago. Highly recommended.
If you have a good history and are close to Aurora, CO, check out GEICO. You might save some money. I have kids on my policy, too.