2015 Buick Encore Insurance Rates

Trying to find cheaper auto insurance rates for your Buick Encore? Drivers fed up with high insurance rates and are new to comparison shopping online are likely to find purchasing cheap insurance is not as easy as it seems.

Pricing affordable protection is easy if you know what you’re doing. Essentially every driver who has to buy insurance coverage should be able to find better rates. But vehicle owners must know how companies determine prices and take advantage of how the system works.

Don’t overlook these car insurance discounts

Some insurers don’t list their entire list of discounts in a way that’s easy to find, so below is a list both the well known as well as the least known ways to save on car insurance.

  • Good Driver Discounts – Insureds who avoid accidents can pay as much as 50% less for Encore coverage than their less cautious counterparts.
  • Sign Online – Some of the larger companies give back up to $50 for buying your policy over the internet.
  • Organization Discounts – Being in certain professional organizations can get you a small discount on your policy.
  • Accident Free – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote as compared to accident-prone drivers.
  • Defensive Driver – Participating in a course that instructs on driving safety can save you 5% or more and make you a better driver.
  • Bundle and Save – When you combine your auto and home insurance and insure them with the same company you will save up to 20% off your total premium.
  • Low Mileage – Keeping the miles down on your Buick may enable drivers to earn cheaper premium rates.
  • Drivers Education – Require your teen driver to enroll and complete driver’s education if it’s offered in school.

Discounts lower rates, but most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

Popular car insurance companies and a summarized list of policyholder discounts are detailed below.

  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, accident-free, Drive Safe & Save, driver’s education, student away at school, defensive driving training, and good student.
  • Nationwide may include discounts for anti-theft, family plan, easy pay, Farm Bureau membership, good student, business or organization, and defensive driving.
  • GEICO includes discounts for seat belt use, multi-policy, anti-theft, daytime running lights, five-year accident-free, and federal employee.
  • AAA may offer discounts for good student, good driver, multi-car, pay-in-full, AAA membership discount, and anti-theft.
  • 21st Century may have discounts that include 55 and older, driver training, good student, theft prevention, teen driver, and early bird.
  • The Hartford discounts include driver training, vehicle fuel type, air bag, anti-theft, bundle, and good student.

When comparing rates, check with all the companies how you can save money. Some discounts listed above might not be available to policyholders in your area. To choose car insurance companies with discount car insurance rates, follow this link.

Where can I get affordable insurance?

To find the best insurance rates, there are several ways to compare quotes from all the different companies. The fastest way to find the cheapest 2015 Buick Encore insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. Experts agree that the best way to get quotes for comparison is a comparison rater form click here to open form in new window. This quick form eliminates the need for separate forms for each price estimate. A single, simple form gets you coverage quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. A less efficient way to find better pricing consists of going to each individual company website to request a price quote. For examples sake, we’ll assume you want to get rates from Liberty Mutual, Allstate and American Family. To do that, you would have to spend time going to each site individually to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

The method you choose is up to you, but try to keep apples-to-apples coverages and limits for each quote you get. If you use different liability limits it’s impossible to make a fair rate comparison. Slightly different insurance coverages or limits could throw off the whole comparison. It’s important to know that making a lot of price comparisons helps increase your odds of locating the best offered rates.

Four factors that determine insurance rates

Lots of factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but other factors are more transparent like where you live or your commute time.The best way to find cheaper insurance is to take a look at the rating factors that help determine insurance rates. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find better insurance rates.

The factors shown below are a partial list of the pieces companies use to determine rates.

  • Theft deterrents lowers premiums – Selecting a car model with a theft deterrent system can help lower your rates. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.
  • Better drivers pay the best premiums – Being a careful driver has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance as compared to those with violations. Having just one speeding ticket or other violation can increase rates to the point where it’s not affordable. Drivers unfortunate enough to have careless violations such as reckless driving, hit and run or driving under the influence may be required to maintain a SR-22 with the DMV in their state in order to legally drive.
  • Liability claims can be big – Your policy’s liability coverage will afford coverage if you are responsible for personal injury or accident damage. Your liability coverage provides legal defense coverage which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not skimp.
  • Cheaper rates with high coverage deductibles – The deductibles you choose define the amount you are willing to pay if you file a covered claim. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of covered claims could be rearending another vehicle, animal collisions, and damage caused by road hazards. The more money you’re willing to pay, the less money you will pay for insurance for Encore coverage.

When to get professional advice

When it comes to buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions might point out whether you could use an agent’s help.

  • Should I buy only the required minimum liability coverage?
  • Is my Buick Encore covered if I use it for business?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does insurance cover tools stolen from my truck?
  • Does my personal policy cover me when driving out-of-state?
  • Does my policy pay for OEM or aftermarket parts?
  • Is motorclub coverage worth it?
  • Should I sign the liability waiver when renting a car?
  • Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Be skeptical of insurance ads

Popular insurance providers such as State Farm, GEICO and Progressive continually stream television, radio, and online ads. They all seem to have a common claim that you’ll save big after switching your insurance policy to them. That’s great but how can every company make the same claim?

Insurance companies quote the lowest rates for the type of driver they prefer to insure. One example of a preferred risk may be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. Any driver who fits those characteristics will get a cheap rate quote and will probably save a lot of money.

Drivers who do not match these stringent criteria will probably be forced to pay a higher premium which leads to the customer not purchasing. If you listen closely, the ads state “drivers who switch” not “everyone that quotes” save that much. That is how insurance companies can advertise the savings.

Because of this risk profiling, you really need to do a rate comparison at every renewal. Because without a comparison, you cannot know the company that will have the lowest rate quotes.

What car insurance coverages do you need?

Learning about specific coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability insurance – This will cover damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of 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 liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like repair bills for other people’s vehicles, repair costs for stationary objects, court costs, emergency aid and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, falling objects, hail damage, damage from getting keyed and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays for damage to your Encore caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as damaging your car on a curb, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your 2015 Buick Encore.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for pain medications, dental work and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

One last thing

Lower-priced auto insurance is available on the web as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not provide internet price quotes and usually these regional carriers prefer to sell through independent agents.

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, delays in paying claims and questionable increases in premium. Regardless of your reason for switching companies, finding the right auto insurance provider can be pretty painless.

Throughout this article, we presented some good ideas how to get a better price on 2015 Buick Encore insurance. The key concept to understand is the more you quote insurance, the higher your chance of finding low cost insurance. Drivers may discover the lowest priced auto insurance comes from a smaller regional carrier.

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