2017 Buick Envision Insurance Quotes – 5 Savings Tips

Looking for cheaper car insurance rates for your Buick Envision? No one likes buying car insurance, particularly when they could find better rates elsewhere. Insurance companies such as State Farm, Progressive and GEICO increase brand awareness with TV and radio ads and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.

You should make it a habit to do rate comparisons once or twice a year because car insurance prices are rarely the same from one policy term to another. Even if you think you had the best price on Envision coverage a couple years back you may be paying too much now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to one of the easiest ways to find better coverage at a better price.

How to find low cost insurance

Reducing your 2017 Buick Envision insurance rates is a fairly straight forward process. All you need to do is spend a few minutes comparing rates provided by online insurance companies. This can easily be done in just a few minutes using one of these methods.

  • The easiest and least time consuming way to find low rates is an all-inclusive rate comparison click here to open form in new window. This method prevents you from having to do a different quote for every prospective company. Completing one form gets coverage cost estimates from multiple companies.
  • Another way to find lower rates consists of going to the website for every company you want to comare to complete a price quote. For sake of this example, we’ll pretend you want to get rates from Nationwide, Progressive and Travelers. To get rate quotes you would need to spend time going to each site individually to enter the same coverage data repeatedly, and that explains why we recommend the first method.

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

  • Even if you have time, the least recommended way to get comparison rates is making phone calls or going to insurance agencies in your area. Quoting and buying insurance online makes this unnecessary unless you have a complicated situation and need the trained advice that only a licensed agent can provide. It is possible with some companies compare online quotes and get advice from an agent in your area.

You can choose any of those ways to find more affodable coverage, but compare the same coverages and limits for every company. If you enter different values for each quote it will be next to impossible to determine which company has the best rates.

Do you qualify for discount auto insurance?

Companies do not advertise all their discounts very clearly, so the following is a list of a few of the more well known and the harder-to-find credits available to you.

  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Club Memberships – Joining a qualifying organization could qualify you for a break on your next renewal.
  • One Accident Forgiven – Not a discount per se, but companies like Liberty Mutual, Allstate and State Farm permit an accident without getting socked with a rate hike so long as you haven’t had any claims for a specific time period.
  • Distant College Student Discount – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Online Discount – A few insurance companies will discount your bill up to fifty bucks for completing your application on the web.

Keep in mind that most discounts do not apply the the whole policy. Most only apply to individual premiums such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, that’s just not realistic.

To view providers that provide some of the discounts listed above, click here to view.

What insurance coverages do I need?

When it comes to choosing the best car insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether or not you might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • What is covered by UM/UIM coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I have newly-aquired coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

But they said I’d save $451 a year!

Drivers can’t escape the ads for the lowest price auto insurance from the likes of GEICO, State Farm and Progressive. They all tend to make the same promise of big savings if you switch to their company.

How do they all charge less that you’re paying now? Here is how they do it.

Many companies give the cheapest rates for a prospective insured that will generate a profit. An example of this type of driver may need to be between 25 and 40, has a clean driving record, and does not commute to work. A customer getting a price quote who matches that profile receive the lowest rate quotes as well as save money with a new company.

Drivers who fall outside those criteria will be quoted more expensive rates and this can result in the driver buying from a lower-cost company. If you pay attention, the ads say “people that switch” but not “everyone who gets a quote” save that kind of money. That’s the way insurance companies can confidently make it sound like they have such great rates. Each company has different criteria, so you should compare quotes as often as possible. It’s not possible to predict which insurance companies will be your best fit.

Specifics of your auto insurance policy

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills for rehabilitation expenses, funeral costs and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision coverage covers damage to your Envision caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, damaging your car on a curb, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your 2017 Buick Envision.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability insurance

This can cover damage or injury you incur to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as court costs, repair costs for stationary objects, pain and suffering and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Affordable insurance is out there

We just covered some good ideas how to get a better price on 2017 Buick Envision insurance. The most important thing to understand is the more you quote car insurance, the higher your chance of finding the cheapest car insurance. You may be surprised to find that the best price on car insurance is with a smaller regional carrier. Some small companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

Cheaper 2017 Buick Envision insurance can be found from both online companies and also from your neighborhood agents, so you need to shop car insurance with both to have the best rate selection. Some insurance providers do not offer rates over the internet and many times these regional carriers only sell through local independent agencies.

For more information, take a look at the resources below: