2013 Buick Verano Car Insurance Rates – 8 Tips for Cheapest Quotes

Comparison shopping for cheap Driverscar insurance could be slightly frustrating for drivers who have little experience buying insurance online. Consumers have so many choices that it can be more work than you anticipated to locate the lowest rates.

Eight discounts to earn affordable auto insurance rates

Some companies don’t always advertise all available discounts very well, so the list below details some of the best known and the harder-to-find credits that you can use to lower your rates.

• Defensive Driver Discounts – Taking part in a defensive driving course can save you 5% or more and make you a better driver.
• Low Mileage Discounts – Low annual miles could earn better prices on cars that stay parked.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
• Professional Memberships – Joining a qualifying organization may earn a discount on your next renewal.
• Accident Forgiveness Coverage – Not a discount per se, but companies like Geico and Liberty Mutual allow you one accident before raising your premiums with the catch being you have to be claim-free before the accident.
• Student Discounts – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
• Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
• Drivers Education – It’s a good idea to have your young drivers enroll in driver’s education as it can save substantially.

It’s important to note that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Even though it appears all the discounts add up to a free policy, you aren’t that lucky. Any amount of discount will help reduce your policy premiums.

Companies who might offer many of the previously listed discounts include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

If you need cheaper insurance quotes, ask every company which discounts can lower your rates. A few discounts may not be offered in every state. If you would like to choose from a list of companies that have a full spectrum of discounts, click this link.

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Save $432 a year! What?

Popular auto insurance providers such as Geico, State Farm and Progressive consistently run television and radio advertisements. All the ads advertise the message that you’ll save big just by switching your policy. Is it even possible that every company can say the same thing? It’s all in the words they use.

Different companies have underwriting criteria for the type of driver that will add to their bottom line. One example of this type of driver might be described as between 25 and 40, has never had a claim, and drives a vehicle with a low ISO rating. A driver that matches those criteria will probably get cheap premium rates and will probably save some money.

People who cannot meet those standards will be quoted a higher rate and this can result in the prospect going elsewhere. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” save that much. This is how insurance companies can advertise the way they do. Because each company has a different risk profile, drivers should compare price quotes frequently. It is just not possible to predict which company will have the best prices at this point in time.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there is no single plan that fits everyone. Every situation is different.

For instance, these questions might point out whether or not you would benefit from an agent’s advice.

• Do I need special endorsements for business use of my vehicle?
• Should I have combined single limit or split liability limits?
• Can I get a multi-policy discount?
• What is covered by UM/UIM coverage?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is my trailer covered?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance 101

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, damage from getting keyed, a tree branch falling on your vehicle, hail damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for things like surgery, rehabilitation expenses, ambulance fees, dental work and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Buick Verano.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability

This can cover damages or injuries you inflict on other’s property or people that is your fault. 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 policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things such as repair bills for other people’s vehicles, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your Verano resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like backing into a parked car, rolling your car, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

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Do the work, save more money

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced collision coverage and discovered at claim time that it was a big mistake. Your focus should be to buy enough coverage at the best cost.

Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, not issuing a premium refund or denial of a claim. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

Budget-friendly auto insurance is available on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide rates over the internet and usually these smaller providers prefer to sell through independent agencies.

To read more, link through to the resources below:

• Older Driver Statistics (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Understanding your Policy (NAIC.org)
• Driving in Bad Weather (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)

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