2013 Buick Encore Insurance Quotes – 9 Tips for Cheaper Rates

Searching for the cheapest insurance for a Buick Encore can normally be difficult, but you can learn the following methods to save time.

There are more efficient ways to shop for auto insurance so we’re going to tell you the absolute fastest way to price shop coverage on a Buick and obtain the cheapest rates from both online companies and local agents.

Nine discounts to earn cheap insurance coverage rates

Some companies don’t always advertise every discount very clearly, so below is a list some of the more common and the harder-to-find ways to save on insurance coverage.

  • Early Renewal Discounts – Some insurance coverage companies provide a discount for buying a policy before your current expiration date. The savings is around 10%.
  • Safe Driver Discount – Drivers without accidents can save as much as half off their rates for Encore coverage as compared to drivers with claims.
  • Homeowners Discount – Owning a house can get you a discount due to the fact that maintaining a home shows financial diligence.
  • Paper-free Discount – A handful of larger companies provide a small discount for buying a policy and signing up on their website.
  • Active Service Discounts – Being deployed in the military could qualify you for better premium rates.
  • Distant College Student Discount – College-age children who are enrolled in higher education away from home and do not have a car may be able to be covered for less.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Senior Citizen Rates – Drivers over the age of 55 may receive better insurance coverage rates for Encore coverage.
  • Payment Discounts – By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.

Don’t be shocked that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it’s just not the way it works. But any discount will bring down your overall bill.

Some companies that possibly offer most of the discounts above are:

When quoting, ask every prospective company what discounts are available to you. Depending on the company, some discounts might not be offered on policies in your state. For a list of companies that offer discounts, follow this link.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that might point out whether you would benefit from professional advice.

  • What is roadside assistance coverage?
  • Do I need replacement cost coverage on my 2013 Buick Encore?
  • Should I carry comprehensive and collision coverage?
  • Am I covered when pulling a rental trailer?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need more liability coverage?
  • Do I need an umbrella policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Specific coverage details

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage

Collision insurance pays for damage to your Encore from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, crashing into a ditch, backing into a parked car, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for liability

Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as bail bonds, medical services, medical expenses and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Buick Encore.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a broken windshield, falling objects, hitting a deer, theft and vandalism. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage kick in for bills like X-ray expenses, funeral costs, pain medications, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Online plus local equals savings

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. In many cases, drivers have reduced liability coverage limits only to regret that the small savings ended up costing them much more. Your objective should be to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

The cheapest 2013 Buick Encore insurance can be bought from both online companies and also from your neighborhood agents, so you need to quote insurance coverage with both to get a complete price analysis. Some companies may not provide online quoting and many times these small insurance companies prefer to sell through independent agents.

We just showed you a lot of information how to shop for 2013 Buick Encore insurance online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even discover the lowest prices come from a small mutual company.

More tips and info about insurance coverage is available by following these links: