2004 Buick Rendezvous Insurance Rates

Having to pay for overpriced insurance coverage can overdraw your family’s budget and put a big crunch on your finances.

With consumers having so many choices, it can be impossible to choose a more affordable insurer.

You should make it a habit to price shop coverage occasionally because rates go up and down regularly. Even if you got the best rate for Rendezvous insurance on your last policy you can probably find a better price now. There is a lot of wrong information about insurance coverage on the web, but I’m going to show you the best ways to buy insurance coverage cheaper.

Informed drivers know how to get car insurance more affordably

When buying car insurance it’s important to understand the rating factors that help determine your premiums. When consumers understand what determines premiums, this enables informed choices that may reward you with cheaper rates.

Listed below are some of the major factors used by your company to calculate your rates.

• Less chance of injury means lower rates – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles built for safety have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Buick Rendezvous earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• More policies can equal more savings – Lots of car insurance companies will award discounts for people that have more than one policy in the form of a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to comparison shop to make sure you are getting the best deal. Drivers may still save more without the discount by insuring with multiple companies.
• Cheaper rates after marriage – Being married may cut your premiums on your policy. It demonstrates that you tend to be more mature and responsible and it’s proven that drivers who are married are more cautious.
• Rural vs Urban Areas – Choosing to live in less populated areas can save you money if you are looking for the lowest rates. Fewer drivers means reduced accidents and lower theft and vandalism rates. City drivers tend to have congested traffic and longer commutes to work. More time commuting means more chance of being in an accident.
• Drive less and pay lower prices – The higher the miles on your Buick in a year’s time the more it will cost to insure it. A lot of insurance companies charge to insure your cars based on their usage. Vehicles not used for work or commuting can be on a lower rate level than those that get driven frequently. Verify your policy correctly shows annual mileage, because improper ratings can cost you money. Improper usage on your Rendezvous is throwing money out the window.
• Advanced theft deterrents – Driving a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
• Gaps in coverage mean higher car insurance rates – Letting your insurance expire can be a guaranteed way to increase your renewal premiums. Not only will you pay more, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license.

Get lower rates with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available to cut the cost considerably. Certain reductions will be credited when you complete an application, but lesser-known reductions have to be specially asked for before you get the savings.

• Policy Bundle Discount – When you combine your homeowners and auto insurance with the same company you could earn a discount of at least 10% off all policies.
• Resident Student – Children who are attending college and do not take a car to college may qualify for this discount.
• Save with a New Car – Putting coverage on a new car can save up to 30% because newer models keep occupants safer.
• Mature Driver Discount – Mature drivers could receive lower premium rates for Rendezvous insurance.
• Defensive Driver Discount – Taking a defensive driving course can save you 5% or more and easily pay for the cost of the class.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, it’s just not the way it works.

Some companies who may offer these benefits include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

Double check with all the companies to give you their best rates. A few discounts may not apply to policies in your area.

Insurance can be complex

When it comes to choosing adequate coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover if your situation will benefit from professional help.

• Am I covered if I crash into my own garage door?
• Is motorclub coverage worth it?
• Do I need special endorsements for business use of my vehicle?
• Am I covered if I drive in a foreign country?
• I have a DUI can I still get coverage?
• Do I have newly-aquired coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverages for a 2004 Buick Rendezvous

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most car insurance policies.

Coverage for collisions

This coverage pays for damage to your Rendezvous resulting from a 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 a tree, crashing into a building, rolling your car, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, court costs and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses such as hospital visits, prosthetic devices, chiropractic care, funeral costs and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Buick Rendezvous.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

A fool and his money are soon parted

When searching for inexpensive auto insurance quotes, do not buy less coverage just to save a little money. Too many times, someone sacrificed comprehensive coverage or liability limits only to regret they didn’t have enough coverage. The aim is to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

There are still a few companies who do not provide online rate quotes and usually these regional insurance providers only sell coverage through independent agents. Cheaper 2004 Buick Rendezvous insurance is available on the web as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates.

Much more information about auto insurance is located at these links:

• Understanding Limits and Deductibles (Allstate)
• Car Insurance FAQ (Trusted Choice)
• Insurance Losses by Make and Model (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Winter Driving (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)