View 2014 Buick Verano Car Insurance Rates

No one in their right mind cherishes buying insurance coverage, particularly when they are paying too much.

Drivers have multiple insurers to purchase coverage from, and although it’s a good thing to have multiple companies, it makes it harder to compare rates and cut insurance costs.

It’s a great practice to compare prices once or twice a year since rates fluctuate regularly. Even if you got the lowest price for Verano coverage six months ago there is a good chance you can find better rates now. Starting right now, block out anything you think you know about insurance coverage because it’s time to teach you the things you must know in order to find better rates and still maintain coverage.

Buying car insurance is quite easy. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. But car owners do need to know how the larger insurance companies market insurance on the web because it can help you find the best coverage.

Lesser-known factors impacting Buick Verano insurance rates

Smart consumers have a good feel for the different types of things that play a part in calculating car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

Shown below are a few of the “ingredients” used by your company to calculate your rates.

  • Older drivers pay less – Older insureds tend to be more responsible, file fewer claims and get fewer tickets. Teenage drivers tend to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher.
  • Males pay more for insurance – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Women and men are in accidents in similar numbers, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.
  • Special features that cut premiums – Driving a car with a theft deterrent system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Discounts for married couples – Having a spouse actually saves money on your policy. It is viewed as being more mature than a single person and it’s proven that being married results in fewer claims.
  • Rural vs Urban Areas – Residing in less populated areas has it’s advantages when buying car insurance. Lower population translates into fewer accidents and also fewer theft and vandalism claims. City drivers tend to have congested traffic and longer commute times. Longer commute distances translates into higher accident risk.
  • Careful drivers pay lower rates – A bad driving record has a big impact on rates. Drivers with clean records have lower premiums than bad drivers. Only having one citation may increase your cost by twenty percent. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Clean credit earns discounts – Having a bad credit score is a big factor in calculating your car insurance rates. If your credit rating is lower than you’d like, you could be paying less to insure your 2014 Buick Verano by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit.
  • Safer cars are cheaper to insure – Cars with high safety ratings are cheaper to insure. The safest vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and thus lower rates. If your Buick Verano scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Where Can I Get Cheap Car Insurance?

All the larger car insurance companies such as Geico, State Farm and Progressive quote price estimates on their websites. Getting quotes doesn’t take a lot of time as you just enter your coverage preferences as requested by the quote form. When complete, the company’s rating system requests your driving record and credit report and generates pricing information based on many factors. Quoting online makes comparing rates easy, but having to visit different websites and complete many quote forms is monotonous and tiresome. But it’s very important to do this in order to get a lower rate.

The smarter way to compare rates requires only one form that analyzes rates from many companies. It saves time, requires much less work on your part, and makes quoting online much more efficient. As soon as the form is sent, it gets priced and you are able to buy any of the resulting price quotes. If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process takes just a few minutes to complete and could lower your rates considerably.

To save time and use this form to compare rates, click here to open in new window and submit the form. To compare your current rates, we recommend you type in the coverages as close as possible to your current policy. Using the same limits helps guarantee you will be getting a rate comparison for similar insurance coverage.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t always publicize every available discount very well, so we took the time to find some of the best known and also the lesser-known insurance coverage savings.

  • Accident Waiver – Certain companies allow you one accident before your rates go up if your claims history is clear for a set time period.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Student in College – Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Homeowners Discount – Owning a house can save you money because owning a home demonstrates responsibility.
  • Paperless Signup – Some insurance companies will give a small break simply for signing online.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you will save 10% to 20% off each policy.

Consumers should know that some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you could get a free insurance coverage policy, companies wouldn’t make money that way.

To see a list of insurers with discount insurance coverage rates, click here.

Car insurance is unique, just like you

When buying coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.

  • When should my teen driver be added to my policy?
  • Do I need replacement cost coverage?
  • Can I still get insurance after a DUI?
  • Why do I need rental car insurance?
  • How can I force my company to pay a claim?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage considerations

Understanding the coverages of auto insurance aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on most auto insurance policies.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Buick Verano.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision protection

This coverage will pay to fix damage to your Verano caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, a broken windshield and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as ambulance fees, hospital visits, chiropractic care and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as attorney fees, repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Do the work, save more money

In this article, we presented a lot of information how to reduce 2014 Buick Verano insurance prices online. The key concept to understand is the more you quote, the better your comparison will be. Consumers may even find the most savings is with a smaller regional carrier. Regional companies often have lower prices on specific markets than the large multi-state companies such as Progressive and Geico.

While you’re price shopping online, never reduce coverage to reduce premium. Too many times, drivers have reduced physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best price, not the least amount of coverage.

Lower-priced insurance is available both online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

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