Save on 2015 Buick Encore Insurance Quotes

Finding better insurance prices for a Buick Encore can be an all-consuming task, but you can use our car insurance buying tips to make it easier.

There is a better way to shop for car insurance and we’ll show you the absolute fastest way to get price quotes for your Buick and obtain the best price possible from local insurance agents and online providers.

It’s a good habit to compare rates as often as possible because car insurance rates are constantly changing. If you had the best deal for Encore coverage a couple years back the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to use online quotes to buy cheaper car insurance.

These discounts can reduce car insurance rates

Car insurance companies don’t always advertise every policy discount very clearly, so the following list contains both well-publicized and also the more inconspicuous discounts that may be available.

  • Discounts for Federal Employees – Federal government employees can earn a discount up to 10% for Encore coverage with certain companies.
  • Home Ownership Discount – Owning a home can help you save on car insurance since owning and maintaining a home demonstrates responsibility.
  • Onboard Data Collection – Policyholders that allow data collection to spy on vehicle usage remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
  • Service Members Pay Less – Having a family member in the military may lower your rates slightly.
  • Defensive Driving Course – Taking part in a course in defensive driving could cut 5% off your bill if your company offers it.
  • Low Mileage Discounts – Keeping the miles down on your Buick could earn substantially lower rates.
  • Pay Early and Save – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.

Don’t be shocked that some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.

A few of the larger companies and a partial list of their discounts are shown below.

  • Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, good student, multi-policy, and online quote discount.
  • AAA includes discounts for good student, education and occupation, AAA membership discount, anti-theft, good driver, and multi-policy.
  • Farmers Insurance may have discounts that include teen driver, youthful driver, homeowner, switch companies, and early shopping.
  • GEICO has savings for seat belt use, driver training, anti-theft, anti-lock brakes, defensive driver, and good student.
  • Esurance offers discounts including anti-lock brakes, multi-policy, good student, online shopper, online quote, good driver, and paid-in-full.
  • SAFECO may offer discounts for teen safety rewards, homeowner, multi-car, anti-theft, drive less, anti-lock brakes, and safe driver.
  • State Farm discounts include good student, student away at school, multiple policy, good driver, and multiple autos.

If you need lower rates, check with all the companies which discounts can lower your rates. A few discounts might not apply in your area. If you would like to choose from a list of providers that offer many of these discounts, follow this link.

Shop auto insurance online

Getting low cost 2015 Buick Encore auto insurance pricing is pretty simple and can save money. The only requirement is to take time to get quotes online from several insurance companies. This can be accomplished using one of these methods.

  • Without a doubt, the easiest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This form keeps you from doing separate quotes for each price estimate. A single, simple form will get you price quotes from auto insurance companies with the best prices. It’s definitely the quickest method.
  • A different way to get quotes online consists of going to each company website and repeat the quote process again and again. For sake of this example, let’s say you want to see prices from Liberty Mutual, Progressive and Allstate. To get each rate you have to visit each site and repeatedly enter your information, which is not fast way to get rate quotes. For a list of companies in your area, click here.

It doesn’t matter which method you choose, just do your best to enter identical coverage limits for each comparison quote. If you use higher or lower deductibles it’s impossible to make a fair comparison for your Buick Encore.

Insurance costs are influenced by these factors

A large part of saving on car insurance is knowing some of the elements that help calculate the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that may result in big savings. Lots of things are used when you get your auto insurance bill. Some factors are common sense like an MVR report, but other factors are more transparent like your vehicle usage or your commute time.

The list below includes some of the major factors used by your company to calculate your prices.

  • High physical damage deductibles reduce costs – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Examples of some claims that would be covered could be a windshield shattered by a rock, collision with an animal, and having your car stolen. Comprehensive and collision coverage deductibles are how much you are required to pay if the claim is covered. The more of the claim you are required to pay out-of-pocket, the lower your rates will be for Encore coverage.
  • Keep the miles off and save – The higher the miles on your Buick in a year’s time the more you will pay for car insurance. Most companies calculate prices based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your vehicle rating shows annual mileage. A policy that improperly rates your Encore is just wasting money.
  • Liability insurance claims can be big – The liability coverage on your policy will provide protection if you are determined to be liable for damages from an accident. It will provide for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Poor credit rating equals high premiums – An insured’s credit score is a big factor in calculating your car insurance rates. Insureds with high credit ratings tend to be more responsible than drivers with lower credit scores. Therefore, if your credit history is low, you may save money insuring your 2015 Buick Encore by repairing your credit.
  • Traffic violations inflate prices – A bad driving record has a huge affect on how much you pay. Good drivers tend to pay less for car insurance compared to drivers with tickets. Only having one speeding ticket or other violation may increase your cost by as much as thirty percent. Drivers who have gotten license-revoking violations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state in order to prevent their license from being revoked.
  • Car insurance policy lapses increase rates – Driving without insurance coverage in place is against the law and you may have a hard time finding new coverage because you let your insurance lapse. Not only will you pay higher rates, not being able to provide proof of insurance may result in fines or a revoked license.
  • Advanced GPS tracking and theft deterrents – Owning a car with advanced anti-theft systems can save you a little every year. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft.

When do I need an agent’s advice?

When buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Do I have newly-aquired coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • What is an SR-22 filing?
  • What can I do if my company won’t pay a claim?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is medical payments coverage?
  • How do I insure my teen driver?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Do you really save 40% when you switch?

Drivers can’t escape the ads for the lowest price car insurance from companies such as Progressive, Allstate and GEICO. All the companies seem to make the promise about savings if you move your policy.

How does every company make almost identical claims?

Insurance providers quote their best rates for the type of driver that is profitable for them. For instance, a profitable customer might be described as between 25 and 40, is a homeowner, and has a high credit rating. Any person that meets those criteria is entitled to the best price and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside these standards will see higher rates which leads to the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” not “everyone who quotes” save that much money. That is how companies can truthfully advertise the way they do.

Because every company is different, it is so important to get price quotes at each policy renewal. Because you never know which insurance companies will fit your personal profile best.

Learn about car insurance coverages for a Buick Encore

Knowing the specifics of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability insurance

This coverage protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical services, legal defense fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, damage from flooding, damage from getting keyed, a broken windshield and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills for things like rehabilitation expenses, doctor visits and pain medications. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays for damage to your Encore from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Summing up your insurance search

Some companies don’t offer the ability to get quotes online and usually these smaller providers provide coverage only through independent agents. More affordable insurance can be purchased from both online companies in addition to many insurance agents, so you should compare both so you have a total pricing picture.

Insureds who switch companies do it for many reasons like delays in responding to claim requests, policy cancellation, high prices or not issuing a premium refund. It doesn’t matter what your reason, finding a new company is not as hard as you think.

When getting auto insurance quotes online, you should never sacrifice coverage to reduce premiums. In too many instances, someone dropped liability coverage limits and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

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