2013 Buick Encore Insurance Cost – 6 Savings Tips

Want cheaper insurance rates for your Buick Encore? If you’re new to shopping for insurance online, you may be overwhelmed by the hoards of online insurance companies and websites vying for business.

Consumers need to take a look at other company’s rates before your policy renews since rates are usually higher with each renewal. Even if you think you had the lowest rates for Encore insurance a couple years back you can probably find a lower rate today. You can find a lot of misleading information regarding insurance online but by reading this article, you’re going to learn some solid techniques on how to find affordable insurance.

Comprehensive Auto Insurance Comparison Quotes

There are a variety of methods you can shop for 2013 Buick Encore auto insurance but one way is less time-consuming than others. You could waste time driving to insurance agencies in your area, or you can stay home and use online quoting to maximize your effort.

Many companies belong to an insurance system that allows shoppers to submit one quote, and each participating company returns a competitive quote based on that data. This saves time by eliminating quote forms to each company. To enter your information into the quoting system, click to open in new window.

The single downside to using this type of system is you cannot specify which carriers to receive prices from. So if you want to choose specific providers to compare prices, we put together a list of companies who write auto insurance in your area. Click here to view list.

Whichever way you use, make absolute certain that you use exactly the same coverages for each comparison quote. If you use different limits and deductibles on each one it’s impossible to find the best deal for your Buick Encore. Quoting even small variations in limits may result in large price differences. And when comparing auto insurance rates, know that comparing a large number of companies helps locate a lower rate.

Advertising myths

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to say the same thing of big savings if you move to them. How do they all claim to save you money?

Different companies have a certain “appetite” for the type of driver they prefer to insure. For example, a desirable insured could be over the age of 50, has no driving citations, and has great credit. Any driver that hits that “sweet spot” receives the best rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t qualify for the requirements will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can make the claims of big savings. That is why drivers should get a wide range of price quotes. It’s impossible to know the company that will have the lowest Buick Encore insurance rates.

Best discounts on 2013 Buick Encore coverage

Companies offering auto insurance don’t always publicize every discount very well, so we researched both well-publicized as well as the least known car insurance savings.

  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiration. This can save 10% or more.
  • No Charge for an Accident – Certain companies permit an accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.

Drivers should understand that many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

For a list of companies who offer car insurance discounts, click here to view.

Tailor your coverage to you

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

For example, these questions may help highlight whether you will benefit from professional help.

  • Should I sign the liability waiver when renting a car?
  • Should I waive the damage coverage when renting a car?
  • Does coverage extend to a rental car in a foreign country?
  • If I drive on a suspended license am I covered?
  • I have a DUI can I still get coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I pay less if my vehicle is kept in my garage?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Parts of your car insurance policy

Learning about specific coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision protection

Collision insurance pays for damage to your Encore resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, sideswiping another vehicle, rolling your car, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability car insurance

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as pain and suffering, loss of income and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills such as funeral costs, hospital visits, nursing services, rehabilitation expenses and X-ray expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Buick Encore.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, fire damage, hitting a bird and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

One last thing about your coverage

We’ve covered some good ideas how you can get a better price on 2013 Buick Encore insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the best price on insurance is with the least-expected company.

Affordable insurance can be found from both online companies as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

Insureds who switch companies do it for a variety of reasons including high rates after DUI convictions, extreme rates for teen drivers, denial of a claim and even poor customer service. It doesn’t matter what your reason, choosing a new company can be easier than you think.

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