Cheap 2007 Buick Rendezvous Insurance Cost

Looking for cheaper auto insurance rates for your Buick Rendezvous? Finding cheaper insurance for a new or used Buick Rendezvous can turn out to be difficult, but you can learn the following methods to save time.

There are more efficient ways to buy auto insurance and we’ll show you the best way to quote coverages on a Buick and locate the best price possible from both online companies and local agents.

Double check you’re getting these money-saving discounts

Companies don’t always advertise every disount available very clearly, so the following list contains a few of the more well known as well as some of the hidden insurance savings.

  • Early Switch Discount – Some larger companies give discounts for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Full Payment Discount – If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
  • Telematics Data – Policyholders that allow companies to monitor when and where they use their vehicle through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as the data is positive.
  • Defensive Driver Discount – Taking time to complete a safe driver course could save 5% or more and easily recoup the cost of the course.
  • Save with More Vehicles Insured – Buying a policy with all your vehicles with the same insurance company can reduce rates for all insured vehicles.
  • College Student Discount – who are enrolled in a college that is more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.

As is typical with insurance, many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

If you would like to view insurance companies that can offer you the previously mentioned discounts, click here to view.

Do I need special coverages?

When choosing coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

  • Do I need motorclub coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • What exactly is covered by my policy?
  • Should I buy full coverage?
  • Where can I find DUI or SR-22 insurance?
  • Does my insurance cover a custom paint job?
  • Is my teenager covered with friends in the car?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Ads can be misleading

Consumers can’t avoid all the ads for auto insurance savings by Progressive, Allstate and GEICO. All the companies make the same claim about how much you will save if you get a free insurance quote and switch to them.

That’s great but how can every company charge you less for car insurance? It’s all in how they say it.

Different companies quote their cheapest rates for the driver that will most likely be profitable. For instance, a driver they prefer might be described as over the age of 35, has no tickets, and drives newer vehicles. Any new insured that fits those parameters will probably get cheap premium rates as well as save money with a new company.

People who do not match those criteria may receive higher premium rates which leads to the customer not buying. If you listen to the ad wording, they say “customers that switch” not “all people who quote” save the amount stated. That’s why insurance companies can state the savings.

This really drives home the point why you should do a price quote comparison at every renewal. Because without a comparison, you cannot know which auto insurance company will have the best car insurance rates for your profile.

Information about specific coverages

Learning about specific coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for liability

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as funeral expenses, structural damage, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for ambulance fees, prosthetic devices, X-ray expenses and hospital visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, vandalism, fire damage, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your Rendezvous from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, colliding with a tree, sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Buick Rendezvous.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Do the work, save more money

More affordable auto insurance is definitely available on the web in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer price quotes online and these smaller companies provide coverage only through independent insurance agencies.

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. In too many instances, an insured dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.

We covered many tips how you can lower your 2007 Buick Rendezvous insurance premium rates. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheap insurance. You may even discover the lowest premium rates are with an unexpected company.

Helpful articles