Cheaper 2017 Buick Encore Insurance Quotes

Trying to find better insurance prices for a Buick Encore can normally be difficult, but you can use the following methods and make it easy. There is a better way to compare insurance coverage rates and you need to know the quickest way to get price quotes on a Buick and get the best price possible from local insurance agents and online providers.

Buy auto insurance online

Performing a rate comparison can be a daunting task if you don’t know the fastest way to get free quotes. You can spend your afternoon driving to insurance companies in your area, or you could use online quoting to get pricing more quickly.

All the larger companies take part in a program where prospective buyers send in one quote, and each participating company then gives them pricing determined by their information. This prevents consumers from doing form submissions to each individual auto insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only drawback to comparing rates this way is you can’t choose the companies to receive prices from. So if you prefer to pick specific providers to request quotes from, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, do your best to enter apples-to-apples coverage data for every quote you compare. If you have higher or lower deductibles it’s not possible to find the best deal for your Buick Encore.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise every disount available very well, so the following list contains a few of the more well known and the harder-to-find credits that may apply to you.

  • Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft and that can save you a little bit as well.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts as much as 30%.
  • Data Collection Discounts – Drivers that enable their insurance company to look at where and when they drive through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they have good driving habits.
  • Discount for Home Ownership – Simply owning a home can help you save on insurance coverage because maintaining a house demonstrates responsibility.
  • Save with More Vehicles Insured – Insuring multiple vehicles on a single policy may reduce the rate for each vehicle.
  • Professional Memberships – Participating in qualifying employment or professional organizations could trigger savings when shopping for insurance coverage.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Military Rewards – Having an actively deployed family member may qualify for rate reductions.
  • Discount for Multiple Policies – If you insure your home and vehicles with one company you may earn up to 20% and get you low cost auto insurance.

While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, that’s just not realistic.

Companies and some of the discounts are:

  • GEICO offers discounts including anti-lock brakes, military active duty, five-year accident-free, air bags, defensive driver, daytime running lights, and federal employee.
  • Auto-Owners Insurance offers premium reductions for safe vehicle, group or association, paid in full, safe driver, mature driver, and good student.
  • American Family may offer discounts for Steer into Savings, mySafetyValet, multi-vehicle, early bird, good driver, and bundled insurance.
  • Esurance offers discounts for emergency road assistance, good driver, multi-car, claim free, Switch & Save, and safety device.
  • Progressive discounts include homeowner, good student, multi-vehicle, multi-policy, continuous coverage, online signing, and online quote discount.
  • State Farm may include discounts for multiple autos, driver’s education, Steer Clear safe driver discount, defensive driving training, and student away at school.
  • AAA has discounts for AAA membership discount, pay-in-full, multi-car, anti-theft, education and occupation, good student, and multi-policy.

Before purchasing a policy, check with every insurance company what discounts are available to you. All car insurance discounts may not be offered everywhere. To locate providers with the best insurance coverage discounts, click here.

Insurance is unique, just like you

When choosing the best insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions can help discover whether or not you might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • What are the financial responsibility laws in my state?
  • Which companies will insure high-risk drivers?
  • Can my babysitter drive my car?
  • What is high-risk coverage and where do I buy it?
  • Exactly who is provided coverage by my policy?
  • How many claims can I have before being cancelled?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Lower insurance rates with these tips

Many things are part of the equation when you quote your car insurance policy. Some are pretty understandable like an MVR report, although some other factors are more obscure such as your credit history or your financial responsibility.A large part of saving on auto insurance is knowing some of the elements that go into determining your premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that may result in better auto insurance rates.

The list below includes some of the major factors that factor into your rates.

  • Your spouse saves you money – Walking down the aisle can get you a discount when shopping for auto insurance. Having a significant other translates into being more stable financially and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Consider raising coverage deductibles – Deductibles for physical damage define the amount you are willing to pay before your auto insurance pays a claim. Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims are a windshield broken by a bird, damage from fire, or theft of your vehicle. The higher the amount you have to pay, the better rate you will receive on Encore insurance.
  • Drivers with high credit save – An insured’s credit score can be an important factor in determining premium rates. So if your credit rating can use some improvement, you may save money insuring your 2017 Buick Encore by taking the time to improve your credit score. Insureds that have good credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings.
  • GPS tracking and theft deterrents lower prices – Selecting a car model with an alarm system can save you some money. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
  • Is insurance coverage cheaper for females or males? – Statistics have proven women are more cautious behind the wheel. However, this does not mean females are better drivers. Both sexes get in at-fault accidents in similar percentages, but men have costlier accidents. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving. Young males are most likely to cause an accident and therefore have the most expensive auto insurance rates.

Auto insurance coverage basics

Understanding the coverages of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like doctor visits, nursing services and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, rock chips in glass, hitting a bird, damage from a tornado or hurricane and fire damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

Collision insurance will pay to fix damage to your Encore resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance

This can cover injuries or damage you cause to other people or property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, 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 claims like emergency aid, medical services and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Get your money’s worth

When shopping online for car insurance, it’s a bad idea to reduce needed coverages to save money. In many instances, an insured dropped liability limits or collision coverage only to discover later that they should have had better coverage. The proper strategy is to find the BEST coverage at the best price.

Affordable 2017 Buick Encore insurance is definitely available on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide rates over the internet and usually these small insurance companies provide coverage only through independent agents.

You just learned a lot of information how to shop for 2017 Buick Encore insurance online. The key concept to understand is the more quotes you get, the better likelihood of getting low cost auto insurance. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

To learn more, feel free to visit the following helpful articles: