2012 Buick Verano Car Insurance Quotes

Want the cheapest insurance coverage rates for your Buick Verano? Are you at wits end from wondering where the money will come from to pay your insurance coverage bill each month? You have the same problem as many other consumers. Multiple insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the lowest rate

If you are insured now or are just looking to switch companies, you can use these techniques to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you is quite easy. Vehicle owners just need to learn the most effective way to find the lowest price online.

How to find the cheapest car insurance

Finding a better price on car insurance is not rocket science. The only requirement is to take time comparing free auto insurance quotes from different insurance companies. This can be accomplished by following the guidelines below.

The single most time-saving way consumers can analyze rates is a comparison rater form like this one (opens in new window). This form prevents you from having to do separate forms for every car insurance company. One quote request gets insurance cost estimates from multiple low-cost companies.

A more difficult way to obtain and compare quotes online requires you to visit each company website and get a separate price quote. For instance, let’s assume you are doing a rate comparison from Progressive, GEICO and Travelers. You would have to spend time on each company’s site and repeatedly enter your information, which is why first method is reommended.

For a list of companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare nearly identical quote information for each price quote. If you enter higher or lower deductibles it’s not possible to determine the lowest rate for your Buick Verano.

Discounts can really help save money

Insurance coverage can be pricey, but you might find some hidden discounts that you may not even be aware of. Certain reductions will be credited at the time of quoting, but occassionally some discounts must be specifically requested before being credited. If you are not receiving all the discounts possible, you could be saving more on your insurance coverage.

  • Distant Student Discount – Older children who live away from home to go to college and do not take a car to college may qualify for this discount.
  • Driving Data Discount – People who choose to allow data collection to analyze vehicle usage remotely such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they are good drivers.
  • ABS Brakes – Cars with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save 10% or more off PIP or medical payments premium.
  • Defensive Driving Course – Successfully completing a defensive driving class could save 5% or more and make you a better driver.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

A list of companies and their offered discounts can be read below.

  • State Farm offers discounts for accident-free, passive restraint, Drive Safe & Save, anti-theft, good driver, multiple policy, and multiple autos.
  • Liberty Mutual may include discounts for exclusive group savings, new graduate, teen driver discount, new move discount, newly married, newly retired, and preferred payment discount.
  • American Family discounts include multi-vehicle, Steer into Savings, defensive driver, TimeAway discount, good student, and mySafetyValet.
  • Progressive has discounts for online quote discount, good student, continuous coverage, online signing, multi-vehicle, and multi-policy.
  • Farmers Insurance has savings for electronic funds transfer, multi-car, pay in full, mature driver, early shopping, and bundle discounts.
  • Auto-Owners Insurance offers premium reductions for paperless, air bags, multi-policy, good student, multiple vehicles, and mature driver.
  • SAFECO policyholders can earn discounts including drive less, bundle discounts, teen safe driver, anti-theft, and teen safety rewards.

When quoting, ask each insurance company which discounts can lower your rates. Some credits may not apply in your area. To see a list of insurance companies that offer some of these discounts, click this link.

Will just any policy work for me?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help you determine whether your personal situation could use an agent’s help.

  • Am I covered if I drive in a foreign country?
  • Do I really need UM/UIM coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I missing any policy discounts?
  • Can I make deliveries for my home business?
  • Does insurance cover damages from a DUI accident?
  • When can I cancel my policy?
  • When should I not file a claim?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a 2012 Buick Verano

Having a good grasp of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on most car insurance policies.

Collision protection

Collision insurance pays for damage to your Verano caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability

Liability insurance will cover damage that occurs to a person or their property. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like bail bonds, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, fire damage, hail damage and theft. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as ambulance fees, EMT expenses, nursing services and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay