2017 Buick Encore Car Insurance Quotes – 10 Policy Discounts

Looking for cheaper insurance coverage rates for your Buick Encore? No sane person is fond of buying insurance coverage, especially knowing they could find better prices if they shop around. Due to the fact that there are so many insurance coverage companies to choose from, it’s nearly impossible to pick the most cost effective insurer.

Locating more affordable auto insurance coverage is not that difficult. If you have a policy now or need a new policy, you can learn to shop for the lowest rates while maximizing coverage. Consumers just need to know the most efficient way to shop online.

Get affordable rates by applying these ten discounts

Companies offering auto insurance don’t always publicize all available discounts in a way that’s easy to find, so the list below details both well-publicized and also the more inconspicuous credits that may apply to you.

  • Driver Safety – Successfully completing a course in safe driver could cut 5% off your bill if your company offers it.
  • Save over 55 – Mature drivers are able to get lower premium rates for Encore insurance.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school.
  • Multi-Vehicle Discounts – Purchasing coverage when you have several vehicles with one company can get a discount on all vehicles.
  • Home Ownership Discount – Owning a home can help you save on car insurance since owning and maintaining a home is proof of financial responsibility.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will qualify for a discount on a auto insurance quote.
  • One Accident Forgiven – Not really a discount, but companies like Geico, Allstate and Liberty Mutual will allow you to have one accident without raising rates so long as you haven’t had any claims before the accident.
  • Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts may qualify for discounts of up to 25% or more.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • New Car Discount – Buying coverage on a new vehicle can get you a discount because newer models keep occupants safer.

Don’t be surprised that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, car insurance companies aren’t that generous.

A few of the larger companies and their offered discounts are shown below.

  • Progressive discounts include continuous coverage, online signing, multi-policy, multi-vehicle, homeowner, and good student.
  • SAFECO has savings for anti-theft, anti-lock brakes, teen safe driver, safe driver, accident prevention training, homeowner, and multi-car.
  • American Family has discounts for multi-vehicle, bundled insurance, accident-free, Steer into Savings, and air bags.
  • MetLife offers premium reductions for multi-policy, defensive driver, good driver, accident-free, good student, claim-free
  • Geico may include discounts for seat belt use, multi-policy, multi-vehicle, five-year accident-free, military active duty, and anti-lock brakes.
  • The Hartford includes discounts for vehicle fuel type, bundle, air bag, good student, defensive driver, anti-theft, and driver training.

Check with every prospective company to give you their best rates. Depending on the company, some discounts may not be available in your area. If you would like to choose from a list of car insurance companies with discount car insurance rates, click here.

Your insurance coverage coverage should be tailored to you

When buying coverage, there is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Will my rates increase for filing one claim?
  • Are there companies who specialize in insuring high-risk drivers?
  • How high should deductibles be on a 2017 Buick Encore?
  • Do I benefit by insuring my home with the same company?
  • Where can I find DUI or SR-22 insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my Buick Encore covered if I use it for business?
  • Is a blown tire covered by insurance?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Educate yourself about insurance coverages

Learning about specific coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Encore.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverage – Liability coverage protects you from damages or injuries you inflict on people or other property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like court costs, repair costs for stationary objects, legal defense fees, pain and suffering and emergency aid. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, a tree branch falling on your vehicle, theft and damage from flooding. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as funeral costs, nursing services and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, crashing into a ditch, backing into a parked car, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

In the end, you save

Cost effective 2017 Buick Encore insurance is definitely available on the web as well as from independent agents, and you should be comparing both to have the best selection. Some insurance coverage companies may not provide online price quotes and usually these smaller providers provide coverage only through independent agents.

When searching for inexpensive auto insurance quotes, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

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