How Much Does 2014 Buick Verano Car Insurance Cost?

Want better car insurance rates for your Buick Verano? Scraping up a payment for overpriced Buick Verano insurance can overdraw your bank account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Because you have many insurance providers from which to choose, it is hard for the average consumer to pick the cheapest insurer.

Consumers need to compare prices on a regular basis because prices are adjusted regularly by insurance companies. Just because you found the lowest rates for Verano coverage six months ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the things you must know in order to lower your rates without sacrificing coverage.

Auto Insurance Prices Online

Getting a lower price on 2014 Buick Verano insurance isn’t really that difficult. Just take time getting comparison quotes provided by online insurance companies. This can be accomplished in several different ways.

  1. One of the best ways to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing separate quotes to each individual auto insurance company. One quote request will return quotes from auto insurance companies with the best prices.
  2. A harder way to compare prices consists of visiting each individual company website and fill out their own quote form. For example, let’s say you want comparison quotes from Auto-Owners, Liberty Mutual and Progressive. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient method to compare rates is driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the personal advice only provided by licensed agents. You can, however, compare the best prices online but buy from a local insurance agent.

However you get your quotes, double check that you are using apples-to-apples coverage information with every price quote. If you enter different liability limits you will not be able to determine the lowest rate for your Buick Verano.

Lower rates by qualifying for discounts

Companies offering auto insurance do not advertise all their discounts in a way that’s easy to find, so we researched some of the more common as well as the least known ways to save on insurance coverage. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save at least 10% off all policies.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount when shopping for insurance coverage for Verano coverage.
  • Accident Waiver – Certain companies permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Save over 55 – Mature drivers can possibly qualify for better insurance coverage rates for Verano coverage.

It’s important to note that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of companies with the best insurance coverage discounts, click here.

Car insurance is unique, just like you

When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when using my vehicle for business?
  • Can I afford low physical damage deductibles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Are my friends covered when driving my car?
  • Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your auto insurance policy

Understanding the coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on most auto insurance policies.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like prosthetic devices, EMT expenses and pain medications. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, damage from flooding and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2014 Buick Verano.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision protection

Collision insurance pays for damage to your Verano caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Liability coverages

This coverage will cover damage that occurs to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like medical services, repair bills for other people’s vehicles, emergency aid and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.