2017 Buick Encore Insurance Quotes

Are you confused by the dozens of car insurance providers in your area? Many other drivers are as well. There are so many choices that it is a difficult challenge to lower your car insurance rates.

It’s smart to get comparison quotes once or twice a year because prices change regularly. Just because you found the best rate on Encore insurance a few years ago you can probably find a lower rate today. You can find a lot of wrong information about car insurance out there, but you can learn some solid techniques on how to lower your car insurance rates.

First Step: Get free car insurance quotes

There are a lot of ways to shop for car insurance, and some are easier and takes less work. You can spend countless hours talking about coverages with local insurance agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many popular insurance companies belong to a marketplace that enables customers to submit one quote, and each company can give them a price determined by their information. This eliminates the need for form submissions to each individual car insurance company. To access this free quoting program, click here to open in new window.

The single downside to using this type of system is you can’t choose which carriers you will receive quotes from. If you wish to select specific providers to compare prices, we have a listing of low cost car insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make sure you compare equivalent coverage limits and deductibles for each quote you get. If each company quotes different coverage information it’s not possible to truly determine the lowest rate. Slightly different coverages can mean a large discrepancy in price. It’s important to know that comparing more company’s prices helps increase your odds of locating a lower rate.

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Do drivers who switch really save $384 a year?

Popular auto insurance providers such as 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. All the ads say the same thing that drivers can save some big amount after switching your auto insurance coverage to their company. That’s great but how can every company offer you a better deal? This is how they do it.

Many companies have an ideal profile for the type of customer that will most likely be profitable. One example of a profitable insured should be over the age of 50, has never had a policy lapse, and insures a new vehicle. Someone that matches those criteria receives the best prices as well as save quite a bit of money when switching.

Drivers who don’t qualify for the requirements will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “people that switch” not “everyone that quotes” save that much. This is how companies can make claims that they all have the best car insurance rates. Because of this risk profiling, drivers must compare many company’s car insurance rates. Because you never know which company will have the best rates.

Choices you make can impact your insurance premiums

Multiple criteria are taken into consideration when you get a price on insurance. Most are fairly basic like an MVR report, although others are not quite as obvious like your vehicle usage or your commute time.The best way to find cheaper insurance coverage is to take a look at the different types of things that play a part in calculating the price you pay for insurance coverage. When you understand what influences your rates, this enables informed choices that will entitle you to lower insurance coverage prices.

Shown below are some of the things used by your company to calculate premiums.

• Your address can modify price – Living in a rural area is a good thing when trying to find low car insurance rates. Fewer drivers corresponds to lower accident rates and lower theft and vandalism rates. People in densly populated areas regularly have congested traffic and more severe claims. Spending more time driving can result in more accidents.
• Know your vehicle’s crash test rating – Cars with high safety ratings are cheaper to insure. Safer cars reduce occupant injuries and fewer serious injuries translates directly to fewer claims and lower rates for you.
• Physical damage deductibles – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Examples of covered claims would be colliding with a building, damage caused by hail, and damage caused by flying debris. Comprehensive and collision coverage deductibles tell how much you are willing to pay before your insurance coverage pays a claim. The larger the amount you’re willing to pay, the bigger discount you will receive on Encore insurance.
• Older drivers are lower risk – Mature drivers have been proven to be more responsible, tend to cause fewer accidents and get fewer tickets.Teen drivers are statistically proven to be less responsible when driving so they pay higher insurance coverage rates.
• Gaps in coverage mean higher premiums – Driving without insurance is a big no-no and as a result your rates will increase for letting your insurance coverage expire. Not only will you pay higher rates, not being able to provide proof of insurance may result in fines and jail time.
• More annual miles equals more premium – Driving more miles annually the more it will cost to insure it. Almost all companies charge rates based on their usage. Autos that sit idle most of the time qualify for better rates than cars that get driven a lot. An incorrectly rated Encore may be costing you higher rates. Double check that your vehicle rating reflects the correct driver usage.

These discounts can slash car insurance rates

The cost of insuring your cars can be expensive, but you may be missing some discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be requested specifically before they will apply.

• Student Driver Training – Require your teen driver to enroll in driver’s education as it will make them better drivers and lower rates.
• Smart Student Discounts – Excelling in school can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
• Theft Deterent System – Vehicles with anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.
• Safety Course Discount – Completing a class that teaches defensive driver techniques is a good idea and can lower rates if your company offers it.
• Lower Rates for Military – Being on active deployment in the military can result in better rates.
• Responsible Driver Discount – Insureds without accidents may receive a discount up to 45% on Encore insurance than their less cautious counterparts.
• Telematics Devices – Policyholders that allow data collection to study where and when they drive by installing a telematics device such as Progressive’s Snapshot could save a few bucks as long as the data is positive.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little off PIP or medical payments premium.
• Waiver for an Accident – This one is not really a discount per se, but companies like Libery Mutual, Geico and Allstate will let one accident slide before hitting you with a surcharge if you have no claims for a set time period.
• New Vehicle Savings – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.

Discounts lower rates, but most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But all discounts should definitely cut your policy premium.

A list of companies and some of their more popular discounts are outlined below.

• American Family may offer discounts for TimeAway discount, mySafetyValet, good driver, bundled insurance, good student, air bags, and accident-free.
• State Farm has savings for driver’s education, passive restraint, Drive Safe & Save, anti-theft, good student, and Steer Clear safe driver discount.
• 21st Century policyholders can earn discounts including defensive driver, theft prevention, homeowners, teen driver, 55 and older, and good student.
• Travelers offers discounts including multi-policy, student away at school, IntelliDrive, early quote, and driver training.
• Geico offers discounts for driver training, air bags, seat belt use, five-year accident-free, emergency military deployment, anti-lock brakes, and defensive driver.

Before buying, ask each insurance company how many discounts you can get. Some discounts listed above might not apply in your area.

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When do I need an agent’s advice?

When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your situation might need professional guidance.

• Does my car insurance cover rental cars?
• Are there companies who specialize in insuring high-risk drivers?
• Is my ex-spouse still covered by my policy?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is extra glass coverage worth it?
• Do I need added coverage for expensive stereo equipment?
• What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

The coverage is in the details

Having a good grasp of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses such as chiropractic care, dental work and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance will pay to fix damage to your Encore resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, sideswiping another vehicle, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

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

Comprehensive can pay for things such as falling objects, damage from getting keyed, fire damage and damage from flooding. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims like loss of income, bail bonds and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Take this to the bank

Insureds leave their current company for many reasons like being labeled a high risk driver, an unsatisfactory settlement offer, extreme rates for teen drivers or even lack of trust in their agent. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

You just learned a lot of information how to compare 2017 Buick Encore insurance car insurance rates online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best car insurance rates are with some of the lesser-known companies.

When you buy auto insurance online, it’s not a good idea to reduce coverage to reduce premium. In many instances, drivers have reduced liability limits or collision coverage only to discover later they didn’t have enough coverage. Your strategy should be to find the BEST coverage at the best possible price, but do not skimp to save money.

For more information, link through to the articles below:

• Older Driver Statistics (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)

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