Trying to find lower car insurance rates for your Buick Encore? Have you fallen victim to high-priced car insurance? Trust us when we tell you there are many people just like you. Online insurance companies like State Farm and GEICO all promote huge savings with ads and it is difficult to separate fact from fiction and take the time to shop coverage around.
Consumers should take time to compare prices at least once a year because insurance rates change regularly. Just because you found the lowest rates on Encore coverage six months ago the chances are good that you can find a lower rate today. You can find a lot of wrong information about car insurance online but we’re going to give you some tested techniques to put money back in your pocket.
There are multiple methods you can shop for 2014 Buick Encore insurance but some are less labor-intensive and much quicker. You could waste a few hours driving to insurance agencies in your area, or you can stay home and use the internet to get prices fast.
All the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and at least one company can give them a price based on the submitted data. This eliminates the need for form submissions for each company.
To participate in this free quote system, click here to start a free quote.
One minor caviat to doing it this way is you don’t know exactly the companies you want to price. So if you prefer to pick from a list of companies for rate comparison, we have a listing of insurance companies in your area. Click to view list.
It’s up to you which method you use, but make darn sure you compare apples-to-apples information on every quote. If you enter different deductibles it will be next to impossible to truly determine the lowest rate.
The cost of insuring your cars can be expensive, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but some must be asked for prior to receiving the credit. If you’re not getting every credit available, you’re just leaving money on the table.
It’s important to note that many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free car insurance policy, it doesn’t quite work that way. But any discount will cut your overall premium however.
To see a list of providers offering car insurance discounts, click here to view.
When buying the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out whether you might need professional guidance.
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.
Knowing the specifics of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.
Liability insurance – This protects you from damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims like medical services, pain and suffering, legal defense fees, court costs and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like ambulance fees, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible
Comprehensive insurance – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things like damage from flooding, hail damage and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage – This coverage pays for damage to your Encore resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like scraping a guard rail, crashing into a ditch, hitting a mailbox, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.