2006 Buick Rainier Insurance Rates – 5 Discounts for Best Quotes

Searching for the cheapest insurance rates for your Buick Rainier? Are you sick and tired of scraping nickels together each month for insurance? You’re in the same situation as many other vehicle owners.

You have multiple auto insurance companies to insure vehicles with, and although it’s nice to have a choice, more choices can make it harder to find the lowest cost provider.

The best way to compare car insurance company rates is to understand almost all companies pay for the opportunity to provide you with a free rate quote. The only thing you need to do is provide information like if you have an active license, if you lease or own, the ages of drivers, and types of safety features. Your details is sent automatically to multiple different insurance companies and you receive quotes very quickly.

Drivers can save with with these five discounts

Insurance coverage is not inexpensive, but there’s a good chance there are discounts to help offset the cost. Some discounts will apply when you complete an application, but some may not be applied and must be inquired about prior to getting the savings.

  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Homeowners Pay Less – Owning a home may earn you a small savings because it requires a higher level of personal finance.
  • Defensive Driver Discounts – Passing a class that teaches defensive driving techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save 10% or more off the medical payments premium.

You should keep in mind that some credits don’t apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

A list of companies and the discounts they provide are:

  • GEICO has discounts for membership and employees, anti-theft, anti-lock brakes, good student, defensive driver, five-year accident-free, and multi-policy.
  • Travelers offers premium reductions for multi-car, hybrid/electric vehicle, IntelliDrive, payment discounts, driver training, continuous insurance, and new car.
  • Nationwide includes discounts for good student, family plan, business or organization, multi-policy, Farm Bureau membership, defensive driving, and accident-free.
  • Farmers Insurance discounts include switch companies, pay in full, electronic funds transfer, business and professional, multi-car, mature driver, and teen driver.
  • Esurance has savings for DriveSense, Pac-12 alumni, claim free, good student, and homeowner.
  • State Farm may have discounts that include driver’s education, anti-theft, Steer Clear safe driver discount, good driver, student away at school, and good student.
  • Progressive offers discounts including multi-vehicle, online signing, good student, multi-policy, and homeowner.
  • Mercury Insurance policyholders can earn discounts including professional/association, age of vehicle, location of vehicle, low natural disaster claims, accident-free, and type of vehicle.

Before you buy a policy, ask every insurance company how you can save money. A few discounts may not be available in your state. To choose insurance companies that have a full spectrum of discounts, click here.

Your situation helps dictate your coverage

When it comes to buying the best insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if you may require specific advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage if my license is suspended?
  • Am I covered if I hit a deer?
  • Am I covered when using my vehicle for business?
  • How can I get high-risk coverage after a DUI?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Detailed coverages of your car insurance policy

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses such as prosthetic devices, nursing services, rehabilitation expenses and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability – Liability insurance can cover damage that occurs to a person or their property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like medical expenses, pain and suffering, structural damage and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, colliding with another moving vehicle, crashing into a building, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, rock chips in glass, damage from getting keyed and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Buick Rainier.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Quote often and quote early

We just showed you quite a bit of information on how to save on 2006 Buick Rainier insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the best prices are with the smaller companies. They can often provide lower rates in certain areas as compared to the big name companies such as Progressive or GEICO.

Some companies may not offer online price quotes and usually these small, regional companies sell through independent agents. Budget-conscious 2006 Buick Rainier insurance can be sourced from both online companies and also from your neighborhood agents, and you need to price shop both to have the best rate selection.

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