Cheap 2014 Buick Encore Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced insurance coverage policy? Believe me when I say you’re not the only one. Numerous auto insurance companies battle for your business, so it’s not easy to compare every insurer to discover the definitive lowest rate possible.

You need to take a look at other company’s rates periodically because prices trend upward over time. Even if you think you had the best deal for Encore coverage on your last policy you can probably find a better price now. Block out anything you think you know about insurance coverage because you’re about to find out the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Comprehensive Insurance Coverage Comparison

Effectively comparing insurance coverage prices can be a daunting task if you don’t utilize the most efficient way. You can spend countless hours talking to insurance agencies in your area, or you can utilize the internet to achieve your goal.

Many companies are enrolled in a marketplace where prospective buyers enter their policy data once, and each company provides a quote based on that information. This saves time by eliminating quote requests to each company.

To submit your quote information now, click here (opens in new window).

The single downside to using this type of system is buyers cannot specifically choose which providers you want pricing from. If you wish to select specific insurance companies to request quotes from, we have a listing of low cost insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use exactly the same information on every quote. If each company quotes different limits and deductibles on each one it will be impossible to make an equal comparison.

When might I need the advice of an agent?

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover if you might need an agent’s assistance.

Can I still get insurance after a DUI?
Exactly who is provided coverage by my policy?
How does medical payments coverage work?
Should I bundle my homeowners policy with my auto?
Does my medical payments coverage pay my health insurance deductible?
Can my babysitter drive my car?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Coverages available on your policy

Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, crashing into a ditch, backing into a parked car, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like surgery, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as legal defense fees, emergency aid, structural damage and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, hitting a deer, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2014 Buick Encore.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.