2004 Buick Rendezvous Insurance Quotes – 7 Tips to Save

Are you a victim of an overpriced auto insurance policy? Believe me when I say you’re not the only one. Multiple car insurance companies compete for your business, so it’s not easy to compare every company and get the best coverage at the best price available.

Comprehensive Auto Insurance Comparison

There are several ways to compare Buick Rendezvous auto insurance prices but there is one way that is less time-consuming than others. You could waste a few hours discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to maximize your effort.

Most major companies participate in an industry program where prospective buyers enter their coverage request one time, and every company returns a competitive quote based on that information. This saves time by eliminating quote requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to getting quotes like this is that consumers can’t choose which companies you want to price. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverage limits with every price quote. If you use different liability limits you will not be able to make a fair comparison for your Buick Rendezvous.

Are you getting all your discounts?

Car insurance companies don’t always advertise every discount very well, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.

Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Club Memberships – Being a member of a qualifying organization could qualify you for a break when shopping for insurance coverage on Rendezvous coverage.
No Charge for an Accident – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a set time period.
Military Discounts – Having a deployed family member can result in better rates.
Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.

Drivers should understand that many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

To see a list of insurers with the best insurance coverage discounts, click here.

When might I need an agent?

When choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight if you will benefit from professional help.

Is my vehicle covered by my employer’s policy when using it for work?
Is a blown tire covered by insurance?
Can I afford to buy a different vehicle if my 2004 Buick Rendezvous is totaled?
Does my medical payments coverage pay my health insurance deductible?
Does my 2004 Buick Rendezvous need full coverage?
Should I sign the liability waiver when renting a car?
Does my liability insurance cover pulling a trailer or camper?
Am I covered if I drive in a foreign country?
Should I buy full coverage?
Is my state a no-fault state?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Save $472 a year. For real?

Consumers constantly see and hear ads that promise big savings from companies such as State Farm, Allstate and Geico. They all make the same claim that you’ll save big if you change your policy.

How do they all make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of customer they prefer to insure. An example of a driver they prefer could be over the age of 50, is a homeowner, and has excellent credit. Any new insured who matches those parameters will get the preferred rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t qualify for the requirements will have to pay higher premiums which usually ends up with business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save that much money. That’s why companies can make those claims. Because of the profiling, drivers must get as many quotes as possible. Because you never know which insurance company will have the lowest Buick Rendezvous insurance rates.

Car insurance specifics

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.

Auto liability insurance

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as attorney fees, funeral expenses, medical services, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive (Other than Collision)

This coverage will pay to fix 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 protects against things such as rock chips in glass, damage from getting keyed, hail damage, damage from flooding and a tree branch falling on your vehicle. The maximum payout a car 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.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2004 Buick Rendezvous.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding 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 things such as driving through your garage door, rolling your car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses for things like hospital visits, X-ray expenses and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Have money to burn

In this article, we presented many tips how you can reduce 2004 Buick Rendezvous insurance prices online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a smaller regional carrier. These companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or Geico.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.