View 2014 Buick Verano Insurance Rates

Finding low-cost insurance for a Buick Verano can turn out to be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to find insurance coverage online and we’ll show you the quickest way to compare rates for a Buick and get the best price possible.

The method we recommend to get policy rate comparisons is to realize most larger insurance companies participate in a system to compare rate quotes. All you need to do is take a few minutes to give details including your job, whether your vehicle is owned or leased, if your license is active, and an estimate of your credit level. Your information is instantly sent to many different companies and they return quotes quickly.

Insurance coverage myths debunked

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as Progressive, Allstate and Geico. All the companies make the same claim about savings after switching your policy.

But how can every company make almost identical claims?

Different companies can use profiling for the type of customer that is profitable for them. For instance, a driver they prefer might be between the ages of 30 and 50, owns a home, and drives newer vehicles. A driver that hits that “sweet spot” is entitled to the best price and therefore will cut their rates substantially.

Consumers who are not a match for the “perfect” profile must pay more money which leads to business not being written. The ad wording is “customers who switch” not “people who quote” save that much. That is how companies can make the claims of big savings.

This illustrates why you absolutely need to compare many company’s rates. You cannot predict which insurance companies will have the lowest Buick Verano insurance rates.

Do you qualify for a discount?

The cost of insuring your cars can be expensive, but you may find discounts that can drop the cost substantially. Some discounts apply automatically at the time you complete a quote, but a few need to be asked about before they will apply. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Club Memberships – Belonging to a professional or civic organization may earn a discount on insurance for Verano insurance.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Auto/Home Discount – If you have multiple policies with one company you will save up to 20% off your total premium.
  • Auto/Life Discount – Some companies give better rates if you take out auto and life insurance together.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may reduce your total bill.

It’s important to understand that most discounts do not apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will reduce the amount you have to pay.

Insurance companies that may have these discounts include:

Double check with each company what discounts are available to you. Discounts might not apply in every state.

What coverages do I need?

When it comes to choosing the best car insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help highlight whether or not you will benefit from professional help.

  • Do I have coverage for damage caused while driving under the influence?
  • Why am I required to buy high-risk coverage?
  • How do I insure my teen driver?
  • Is business equipment covered while in my vehicle?
  • Are my friends covered when driving my car?
  • Do I need replacement cost coverage on my 2014 Buick Verano?
  • Am I covered when using my vehicle for business?
  • Should I drop comprehensive coverage on older vehicles?
  • Does having multiple vehicles earn me a discount?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage breakdown

Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, damage from flooding, falling objects and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for nursing services, chiropractic care, pain medications and dental work. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for liability

Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as medical services, repair bills for other people’s vehicles, pain and suffering and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2014 Buick Verano.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

This coverage pays for damage to your Verano caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

The best insurance company isn’t always the cheapest

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at the best price.

You just learned many tips how you can save on 2014 Buick Verano insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with a lesser-known regional company.

Insureds change insurance companies for many reasons like policy non-renewal, delays in paying claims, not issuing a premium refund or even high prices. It doesn’t matter why you want to switch finding a new car insurance company is pretty simple and you could end up saving a buck or two.

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