2018 Buick Encore Insurance Quotes – 5 Tips for Cheaper Rates

Scraping up a payment for expensive Buick Encore insurance can bottom out your savings account and force you to make tough financial choices. Comparison shopping is a smart way to lower your monthly bill.

Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to get the lowest rate possible.

It’s a great practice to shop coverage around on a regular basis since insurance prices are usually higher with each renewal. If you had the lowest price on Encore insurance two years ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about insurance coverage because you’re about to find out how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

The most recommended method to compare car insurance company rates is to realize all the major auto insurance companies provide online access to give free rates quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details like types of safety features, your credit rating estimate, whether your vehicle is owned or leased, and if you have a valid license. Your information is instantly provided to all major companies and you receive quotes very quickly.

Don’t overlook these five insurance discounts

Companies offering auto insurance don’t list all disounts in an easy-to-find place, so the following list contains a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

• Fewer Miles Equal More Savings – Maintaining low annual mileage can earn substantially lower prices.
• Student Discounts – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
• Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
• Multiple Vehicles – Buying a policy with multiple cars on one policy may reduce the rate for each vehicle.
• Save with a New Car – Insuring a vehicle that is new can be considerably cheaper since newer vehicles have better safety ratings.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way.

If you would like to choose from a list of insurance companies who offer discounts, follow this link.

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When to get professional advice

When it comes to buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

• Will my rates increase for filing one claim?
• Will I be non-renewed for getting a DUI or other conviction?
• How high should my uninsured/underinsured coverage be in my state?
• When would I need rental car insurance?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I missing any policy discounts?

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 insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

The insurance bait and switch

Companies like 21st Century, Allstate and State Farm continually stream ads on TV and radio. All the ads make the point of big savings just by switching your insurance policy to them. How is it possible that every company can claim to save you money? This is the way they can do it.

Different companies have underwriting criteria for the type of driver that will be a good risk. One example of a profitable customer should be between the ages of 40 and 55, has a clear driving record, and has great credit. Any person who matches those parameters will get low prices and is almost guaranteed to cut their rates substantially.

Potential customers who don’t measure up to the “perfect” profile may receive higher premium rates and business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save that much when switching. This is how companies can truthfully make it sound like they have such great premium rates.

Because every company is different, you absolutely need to do a rate comparison at every renewal. It’s not possible to predict which insurance companies will have the lowest car insurance rates for your situation.

Specific coverage details

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Liability auto insurance

This can cover damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like bail bonds, funeral expenses and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, damage from flooding and theft. The maximum payout a 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.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle, crashing into a building, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like ambulance fees, EMT expenses, pain medications and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

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Save for a rainy day

Throughout this article, we presented some good ideas how you can shop for 2018 Buick Encore insurance online. It’s most important to understand that the more you quote car insurance, the better your comparison will be. You may even find the most savings is with some of the lesser-known companies. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

Discount 2018 Buick Encore insurance is available online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide price quotes online and these regional carriers provide coverage only through local independent agencies.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where someone sacrificed physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at the lowest possible cost, not the least amount of coverage.

More information can be read at the links below

• Rollover Crash FAQ (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Safety Features for Your New Car (State Farm)
• What to do at the Scene of an Accident (Insurance Information Insitute)

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