How Much Does 2014 Buick Verano Insurance Cost?

Expensive Buick Verano insurance can overdraw your checking account and put the squeeze on your family’s finances. Price shopping at each renewal is free, only takes a few minutes, and is a good way to cut your insurance bill.

Online insurance companies like State Farm, Progressive and GEICO all claim big savings, bombarding you with ads and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Consumers should take time to do rate comparisons quite often because prices tend to go up over time. Just because you had the best price on Verano insurance on your last policy the chances are good that you can find a lower rate quote today. Block out anything you think you know about car insurance because you’re about to find out the easiest way to properly buy coverages while reducing your premium.

If you have a policy now or need a new policy, you will benefit by learning to cut your premiums and still get good coverage. Choosing the best insurance company for you is not that difficult. Drivers just need to understand the most efficient way to shop their coverage around over the internet.

Which auto insurance is cheapest?

Getting low cost 2014 Buick Verano auto insurance pricing is a fairly straight forward process. You just need to invest a little time getting comparison quotes from some recommended companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

• If you are pressed for time, the simplest way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This form keeps you from doing separate forms for every prospective company. One form submission gets you price quotes from multiple companies.
• A harder way to compare prices is spending the time to visit the website of each company and fill out their own quote form. For example, let’s say you want to compare Allstate, Farmers and Progressive. In order to compare rates, you need to spend time going to each site individually to input your insurance information, which is not fast way to get rate quotes.

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

Which method you use is up to you, but make sure you compare identical quote information for every quote you compare. If you compare differing limits then you won’t be able to determine the best price for your Buick Verano.

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Verify you’re earning every discount

Car insurance companies don’t necessarily list the complete list of policy discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known ways to save on auto insurance.

• 55 and Retired – If you’re over the age of 55, you could receive lower premium rates on Verano insurance.
• Pay Early and Save – If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and that can save you a little bit as well.
• Driver Training Discounts – Taking a safe driver course could save 5% or more and make you a better driver.
• Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on auto insurance.
• Cautious Driver Discount – Accident-free drivers could pay up to 40% less on Verano insurance than drivers with accident claims.
• Telematics Devices – Insureds that choose to allow their auto insurance company to spy on where and when they drive by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they are good drivers.
• Discount for Low Mileage – Maintaining low annual mileage can earn slightly better auto insurancerates than normal.
• Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Car insurance companies that possibly offer these discounts are:

• State Farm
• Nationwide
• GEICO
• AAA
• 21st Century
• The Hartford

If you need lower rates, check with all the companies which discounts can lower your rates. Some discounts may not apply to policyholders in your area. To find companies that offer some of these discounts, follow this link.

Learn how to lower your insurance rates

Lots of factors are used when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other factors are more obscure such as your marital status or how safe your car is.

• Marriage brings a discount – Your spouse actually saves money on your insurance policy. Having a significant other is viewed as being less irresponsible and insurance companies reward insureds because married drivers tend to file fewer claims.
• You might want pay the inexpensive insurance claims yourself – If you are a frequent claim filer, you should expect higher premiums or even policy non-renewal. Insurance companies generally give cheaper rates to drivers that do not abuse their auto insurance. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
• Higher coverage deductibles are cheaper – The deductibles you choose define the amount you are required to pay in the event of a claim. Physical damage protection, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of covered claims could be collision with another vehicle, damage caused by hail, and damage from wind. The larger the amount you’re willing to pay, the lower your rates will be on Verano insurance.
• Age of drivers impacts rates – Older, more experienced drivers are viewed as being more responsible, file fewer claims , and usually have better credit.Beginning drivers have been known to be inattentive when behind the wheel therefore insurance rates are much higher.
• Deter vehicle theft – Driving a car that has an advanced theft prevention system can get you a discount on your insurance. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your vehicle from being stolen.
• Gaps in coverage mean higher premiums – Driving without insurance coverage in place can get you a ticket and your next policy will cost more because you let your insurance lapse. Not only will you pay higher rates, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Your gender affects rates – Over time, data shows that men are more aggressive behind the wheel. That doesn’t necessarily mean that females are better drivers. Men and women are responsible for at-fault accidents at a similar rate, but the males cause more damage. Men also tend to get more serious tickets like driving under the influence (DUI). Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high insurance rates.
• Your address can modify price – Living in less populated areas is a good thing when talking about insurance. Less people means a lower chance of having an accident in addition to lower liability claims City drivers have to deal with more traffic problems and longer commute times. Higher commute times can result in more accidents.

When should I discuss my situation with an agent?

When buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might point out if you could use an agent’s help.

• When do I need to add a new car to my policy?
• Should I carry comprehensive and collision coverage?
• Does my insurance cover a custom paint job?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my insurance cover my expensive audio equipment?
• Why am I required to get a high-risk car insurance policy?
• What is an SR-22 filing?
• What are the financial responsibility laws in my state?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

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Insurance advertisements

Consumers can’t avoid all the ads that claim the lowest prices from companies such as State Farm, GEICO and Progressive. They all seem to try to convey promises that you can save if you just switch your policy.

That’s great but how can every company offer drivers better rates? It’s all in the wording.

Most companies have strict underwriting profiles for a prospective insured that earns them the most money. A good example of a preferred risk might be described as a mature driver, has a clear driving record, and drives less than 10,000 miles a year. A customer getting a price quote who matches that profile will get a cheap rate quote and is almost guaranteed to save when they switch companies.

Insureds who don’t measure up to those standards will probably be forced to pay more expensive rates and this results in the driver buying from a lower-cost company. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” save money. That is how insurance companies can confidently state the savings. Because of this risk profiling, drivers should do a price quote comparison at every renewal. It’s impossible to know with any certainty which company will give you lower car insurance rates than your current company.

Car insurance coverages for a 2014 Buick Verano

Understanding the coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages available from car insurance companies.

Liability car insurance

Liability insurance can cover damage that occurs to a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims such as loss of income, legal defense fees, attorney fees, structural damage and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Med pay and PIP coverage kick in for expenses such as EMT expenses, hospital visits, funeral costs, nursing services and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, sustaining damage from a pot hole, hitting a parking meter, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, hitting a deer, a broken windshield, vandalism and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

In conclusion

Some insurance companies don’t offer internet price quotes and these smaller providers prefer to sell through local independent agents. Budget-friendly insurance is possible both online in addition to many insurance agents, so you should compare both so you have a total pricing picture.

We just showed you a lot of ways to get a better price on 2014 Buick Verano insurance. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Drivers may discover the lowest car insurance rates come from a small mutual company. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

More information can be found on the following sites:

• Auto Crash Statistics (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

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