2015 Buick Encore Insurance Rates – 9 Policy Discounts

Trying to find better auto insurance rates for your Buick Encore? Having to pay for overpriced auto insurance can overdraw your bank account and put the squeeze on your family’s finances. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Since consumers have many companies to choose from, it is hard for the average consumer to choose the lowest price insurance company.

Buying the best protection is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can use these tips to cut your premiums and possibly find even better coverage. Drivers only need an understanding of the proper methods to buy car insurance online.

Insurance Coverage Prices

Finding cheaper 2015 Buick Encore insurance coverage prices isn’t really that difficult. The only requirement is to take a few minutes comparing price quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

1. The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for multiple quote forms for each company you want a rate for. In just a few minutes this one form compares rates from several companies.
2. A more difficult way to obtain and compare quotes online requires you to visit the website for every company you want to comare and fill out their own quote form. For examples sake, let’s say you want rates from Liberty Mutual, Safeco and Allstate. To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits and deductibles with every price quote. If the quotes have different liability limits then you won’t be able to find the best deal for your Buick Encore.

Your personal situation dictates your coverage

When buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might point out if your situation will benefit from professional help.

• Am I covered when driving someone else’s vehicle?
• Does medical payments coverage apply to all occupants?
• How much liability insurance is required?
• Do I need special endorsements for business use of my vehicle?
• Can I still get insurance after a DUI?
• Does insurance cover damages from a DUI accident?
• Is a fancy paint job covered?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Understanding the coverages of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages available from car insurance companies.

Collision – Collision insurance covers damage to your Encore resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, sideswiping another vehicle, crashing into a ditch and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, rock chips in glass, hitting a deer, hail damage and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses for nursing services, EMT expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, medical services, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.