Compare 2003 Buick Rendezvous Car Insurance Quotes

Searching for lower auto insurance rates for your Buick Rendezvous? When shopping for lower-priced insurance, are you baffled by the number of auto insurance sources? You’re not alone. You have so many options that it can quickly become a big hassle to lower your rates.

It’s a good idea to compare prices at least once a year since insurance prices are variable and change quite frequently. If you had the lowest price for Rendezvous coverage a couple years back you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the proper way to save money, get proper coverage and the best rates.

How to buy car insurance

The are a couple different ways of comparing price quotes from local car insurance companies. By far the easiest way to find affordable 2003 Buick Rendezvous insurance rates consists of shopping online. It’s really quite simple and can be done in a couple minutes as outlined below.

1. If you’re in a hurry, the quickest way to compare a lot of rates at once is a comparison rater form click to view form in new window. This quick form saves time by eliminating multiple quote forms for each price estimate. Taking the time to complete one form will get you price quotes from car insurance companies with the best prices. This is by far the quickest method.
2. A less efficient way to compare prices is to manually visit the website for each individual company and fill out their own quote form. For instance, let’s assume you want rates from State Farm, Geico and GMAC. In order to compare rates, you need to spend time going to each site individually to enter the same coverage data repeatedly, which can get rather old. To view a list of companies in your area, click here.

The approach you take is up to you, just make sure you are using exactly the same coverage data for every quote you compare. If you compare different limits and deductibles on each one you will not be able to make a fair comparison for your Buick Rendezvous. Even a minor difference in insurance coverages or limits may cause a big price difference. Just keep in mind that making a lot of price comparisons will enable you to find a lower rate. Some smaller insurers to not give quotes online, so it’s necessary to compare rates from the smaller companies as well.

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These discounts can reduce insurance rates

Companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so we took the time to find a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

• ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
• Senior Citizen Rates – If you’re over the age of 55, you may qualify for a small discount on rates for Rendezvous coverage.
• Policy Bundle Discount – If you combine your auto and homeowners policies and insure them with the same company you may save as much as 10 to 15 percent.
• Military Discounts – Having a family member in the military could trigger a small discount.
• Seat Belts Save – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
• Discounts for Good Drivers – Drivers who don’t get into accidents may save up to 50% more for Rendezvous coverage than drivers with accident claims.

Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A list of insurance companies and a summarized list of policyholder discounts are included below.

• Progressive includes discounts for homeowner, continuous coverage, good student, multi-policy, online quote discount, online signing, and multi-vehicle.
• AAA offers discounts including AAA membership discount, education and occupation, pay-in-full, multi-car, and anti-theft.
• Farmers Insurance may offer discounts for homeowner, switch companies, good student, multi-car, and pay in full.
• Geico policyholders can earn discounts including multi-policy, defensive driver, emergency military deployment, multi-vehicle, anti-theft, good student, and federal employee.
• Esurance has discounts for good driver, online quote, DriveSense, safety device, and Switch & Save.
• SAFECO offers discounts for drive less, teen safe driver, bundle discounts, teen safety rewards, and safe driver.
• State Farm discounts include safe vehicle, multiple autos, defensive driving training, accident-free, Steer Clear safe driver discount, and anti-theft.

If you need lower rates, check with every prospective company how you can save money. Savings may not apply in your area. To see a list of insurance companies with the best discounts, click this link.

Reduce insurance rates with these tips

The best way to find cheaper insurance is to take a look at some of the elements that play a part in calculating your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find lower rates. Many things are used when quoting car insurance. Most are fairly basic such as traffic violations, but others are not quite as obvious like where you live or your financial responsibility.

• Never let your insurance policy expire – Driving without insurance is a big no-no and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, the inability to provide proof of insurance could result in a license revocation or jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
• Keep prices low by being claim-free – Insurance companies award most affordable rates to people who file claims infrequently. If you are a frequent claim filer, you can look forward to increased rates or even have your policy non-renewed. Auto insurance is intended for major claims that would cause financial hardship.
• See if your company offers a multi-policy discount – Most insurance companies apply lower prices to customers that purchase more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, drivers will still want to compare rates to ensure the best deal. Consumers may save money by buying insurance from a different company.
• Gender and car insurance – Statistics show that women are safer drivers than men. It does not mean men are WORSE drivers than women. Women and men tend to get into fender benders at about the same rate, but the male of the species have accidents that have higher claims. They also have more aggressive citations like driving under the influence (DUI). Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
• Your vocation can affect premiums – Did you know your occupation can influence how much you pay for insurance? Jobs such as doctors, business owners and stock brokers tend to have higher rates than the rest of us in part from job stress and incredibly demanding work hours. Other careers such as farmers, students and retirees receive lower rates for Rendezvous coverage.
• High credit scores save money – Credit rating will be a significant factor in your rate calculation. People that have good credit tend to be better drivers and file fewer claims than drivers with poor credit. Therefore, if your credit leaves room for improvement, you could be paying less to insure your 2003 Buick Rendezvous by improving your rating.
• Urban residents pay more – Residing in small towns and rural areas has definite advantages if you are looking for the lowest rates. Fewer drivers on the road translates into fewer accident claims in addition to lower liability claims Urban drivers regularly have congested traffic and much longer commute distances. Spending more time driving means a statistically higher chance of an accident.
• Pleasure use saves money – Driving a lot of miles every year the more it will cost to insure it. Most companies calculate rates partially by how you use the vehicle. Autos that have low annual miles get more affordable rates than those that get driven frequently. Improper usage on your Rendezvous is throwing money out the window. It’s a good idea to make sure your policy shows how each vehicle is driven, because improper ratings can cost you money.

When do I need an agent’s advice?

When buying the best car insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions might help in determining whether or not you could use an agent’s help.

• Does coverage extend to my business vehicle?
• Can my babysitter drive my car?
• Am I covered when driving on a suspended license?
• I have a DUI can I still get coverage?
• Do I need more liability coverage?
• Will my rates increase for filing one claim?
• Is a fancy paint job covered?
• What is an SR-22 filing?
• Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

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Educate yourself about insurance coverages

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Buick Rendezvous.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these limits are similar to your liability insurance amounts.

Liability

This coverage will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like emergency aid, repair bills for other people’s vehicles, bail bonds, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses like dental work, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, theft and vandalism. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, hitting a parking meter, sustaining damage from a pot hole, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

What is YOUR best insurance company?

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. In too many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Drivers switch companies for any number of reasons including policy cancellation, being labeled a high risk driver, high prices or even lack of trust in their agent. Regardless of your reason for switching companies, switching companies is easier than you think.

You just learned a lot of tips how to get a better price on 2003 Buick Rendezvous insurance. The most important thing to understand is the more price quotes you have, the better likelihood of getting affordable car insurance. You may even find the lowest priced insurance comes from some of the lesser-known companies.

More information can be found at these links:

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)

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