Compare 2014 Buick Encore Insurance Cost

Want the cheapest insurance rates for your Buick Encore? Are you sick and tired of robbing Peter to pay Paul to buy car insurance? Your situation is no different than millions of other consumers.

Many car insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute cheapest price

Verify you’re getting all your discounts

Insuring your vehicles can cost a lot, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be specially asked for before you will receive the discount.

  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Bundle and Save – When you have multiple policies with the same company you will save at least 10% off all policies.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • No Charge for an Accident – A few companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Accident Free – Claim-free drivers can earn big discounts when compared with frequent claim filers.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Encore coverage depending on your company.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Own a Home – Simply owning a home can help you save on auto insurance because owning a home requires personal responsibility.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will bring down your premiums.

A partial list of companies that may offer some of the above discounts include:

It’s a good idea to ask every prospective company how you can save money. Some discounts may not apply in every state.

Lesser-known factors impacting Buick Encore insurance rates

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with better car insurance rates.

The list below includes some of the items that factor into rates.

  • Pleasure use or commuting – The more miles you rack up on your Buick every year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on how the vehicle is used. Autos that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your car insurance policy is showing how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Encore may be wasting your money.
  • More claims means more premium – Insurance companies award lower rates to insureds who do not file claims often. If you file claims often, you can pretty much guarantee higher rates. Car insurance is designed for larger claims.
  • Pay less after the wedding – Getting married actually saves money on your policy. Having a significant other means you’re more responsible and it’s statistically proven that married couples file fewer claims.
  • Never let your coverage lapse – Driving without insurance can get your license suspended and as a result your rates will increase for letting your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance may earn you a steep fine or even jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.

When should I talk to an agent?

When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Should I put collision coverage on all my vehicles?
  • Does insurance cover damages from a DUI accident?
  • How can I force my company to pay a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • If my 2014 Buick Encore is totaled, can I afford another vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Don’t be fooled by advertising claims

Progressive, Geico, Allstate and State Farm regularly use ads on TV and radio. All the companies have a common claim of big savings if you move to them. But how can every company say the same thing? This is how they do it.

All the different companies can use profiling for the type of customer that is profitable for them. For example, a driver they prefer might be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. A driver who meets those qualifications gets the lowest rates and therefore will save when switching.

Potential insureds who do not match the “perfect” profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That’s why companies can truthfully make those claims.

Because of the profiling, drivers should compare many company’s rates. You cannot predict the company that will give you the biggest savings on Buick Encore insurance.

Auto insurance policy specifics

Understanding the coverages of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages available from auto insurance companies.

Collision coverage – This coverage pays for damage to your Encore caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, scraping a guard rail, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage – This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2014 Buick Encore.

Since many drivers 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 a good idea. Frequently these coverages are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, theft and hitting a deer. The maximum 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 it’s not worth carrying full coverage.

Auto liability insurance – This coverage will cover damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like bail bonds, court costs, repair costs for stationary objects and medical services. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as surgery, funeral costs, chiropractic care, X-ray expenses and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

Low-cost 2014 Buick Encore insurance can be sourced from both online companies and with local insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

You just learned a lot of tips how to shop for insurance online. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the most savings is with the smaller companies. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

More information can be read on the following sites: