2016 Buick Encore Insurance Quotes

Searching for cheaper insurance for your Buick Encore can normally be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to shop for insurance so we’re going to tell you the absolute fastest way to quote coverages for a Buick and find the best price possible.

Locating more affordable coverage is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can use these techniques to cut your premiums and still get good coverage. Vehicle owners only need an understanding of the tricks to compare rates over the internet.

Quote auto insurance online

Comparing auto insurance rates can take time and effort if you don’t utilize the most efficient way. You could spend your day talking to local insurance agents in your area, or you could use online quotes to get rates in a matter of minutes.

Most car insurance companies belong to a marketplace where prospective buyers submit their information once, and every company returns a rated price for coverage. This eliminates the need for quote requests for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

The one downside to using this type of form is that consumers can’t choose which companies you want pricing from. If you would rather choose individual companies to compare rates, we have a listing of low cost auto insurance companies in your area. Click here to view list.

The method you choose is up to you, but try to keep identical coverage limits for every quote you compare. If you use different coverage information then you won’t be able to determine the lowest rate for your Buick Encore.

Advertising myths

Consumers get pounded daily by advertisements that promise big savings for switching by Allstate and Progressive. All the ads say the same thing that drivers can save some big amount if you switch your insurance coverage coverage to their company.

But how can every company claim to save you money? Here is how they do it.

All companies have specific characteristics for the type of insured that will not have excessive claims. One example of this type of risk profile could possibly be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. Any customer that meets those criteria receives the best prices and will most likely save when they switch companies.

Potential customers who cannot meet this ideal profile will probably have to pay higher premium rates and the customer not purchasing. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” save that kind of money. That’s the way companies can make it sound like they have such great premium rates.

This illustrates why drivers should compare free insurance quotes often. It is impossible to guess which company will have the best car insurance rates for your profile.

Save a ton with these insurance discounts

Auto insurance companies do not list all possible discounts in a way that’s easy to find, so we took the time to find both well-publicized and also the more inconspicuous discounts that may be available.

  • Save with a New Car – Putting insurance coverage on a new car may earn a small discount since newer vehicles have better safety ratings.
  • Payment Method – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
  • Sign Early and Save – A few insurance companies offer discounts for buying a new policy prior to your current policy expiring. You can save around 10% with this discount.
  • Defensive Driving Course – Taking a driver safety course is a good idea and can lower rates and easily pay for the cost of the class.
  • Federal Government Employee – Active or former government employment can earn a discount up to 10% on Encore insurance with a few insurance companies.

A quick disclaimer, most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The best insurance companies and a summarized list of policyholder discounts are:

  • State Farm has discounts for Steer Clear safe driver discount, student away at school, good student, multiple policy, good driver, and multiple autos.
  • Nationwide offers premium reductions for defensive driving, anti-theft, easy pay, family plan, business or organization, good student, and accident-free.
  • Geico has savings for anti-lock brakes, military active duty, federal employee, defensive driver, and driver training.
  • AAA includes discounts for good student, good driver, multi-car, education and occupation, multi-policy, and AAA membership discount.
  • 21st Century offers discounts for air bags, theft prevention, driver training, student driver, good student, early bird, and automatic seat belts.
  • The Hartford may include discounts for vehicle fuel type, driver training, anti-theft, air bag, and bundle.

If you need cheap insurance quotes, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not apply in your area. If you would like to see a list of companies with discount rates, click this link.

Auto insurance can get complicated

When choosing the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different.

These are some specific questions might help in determining if your insurance needs may require specific advice.

  • When would I need rental car insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is roadside assistance coverage?
  • Do I have coverage when making deliveries for my home business?
  • Is motorclub coverage worth it?
  • How much liability do I need to cover my assets?
  • Is my teen driver covered when they drive my company car?
  • What is medical payments coverage?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Insurance coverage specifics

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Auto liability insurance

This coverage provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical services, loss of income and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Buick Encore.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Collision coverage protection

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

Collision insurance covers claims such as hitting a parking meter, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like funeral costs, doctor visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This pays for 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 can pay for claims like a broken windshield, theft and falling objects. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Compare but don’t skimp

Insureds leave their current company for many reasons like questionable increases in premium, policy cancellation, policy non-renewal and an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

More affordable insurance coverage is possible both online as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance coverage companies do not offer rate quotes online and usually these regional insurance providers only sell through local independent agencies.

We just covered many ways to shop for 2016 Buick Encore insurance online. The key concept to understand is the more providers you compare, the higher your chance of finding affordable insurance. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

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