2018 Buick Encore Insurance Quotes – 5 Savings Tips

Looking for lower insurance rates for your Buick Encore? Feeling guilty for buying high-priced insurance? You’re preaching to the choir because there are many drivers thinking the same thing. Due to the fact that there are so many companies and agents to choose from, it can be hard to find the best insurance company.

Finding affordable coverage is not rocket science. If you are insured now or are just looking to switch companies, you can follow these tips to cut your premiums and possibly find even better coverage. Vehicle owners only need an understanding of the tricks to get comparison quotes on the web.

Cheapest insurance quotes

All major insurance companies like 21st Century, Allstate and State Farm allow consumers to get insurance quotes from their websites. Getting online rates is quite easy as you simply type in into a form. Behind the scenes, their quoting system orders information on your driving record and credit history and generates a price based on these and other factors. Being able to quote online makes comparing rates easy, but the process of having to visit multiple sites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes in order to find lower prices.

Quote rates the easy way

A less time-consuming method to find cheaper rates utilizes a single form to return rates from multiple companies. This type of form saves time, requires much less work on your part, and makes online quotes much more efficient. Immediately after submitting the form, it is quoted with multiple companies and you can pick any of the returned quotes. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process can be completed in less than 10 minutes and could lower your rates considerably.

To compare rates using this form now, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you complete the form with your coverages just like they are on your policy. This guarantees you are getting a rate comparison based on the exact same insurance coverage.

Can switching companies really save?

Consumers can’t escape the ads that promise big savings for switching by companies like 21st Century, Allstate and State Farm. All the companies seem to make the promise that drivers can save some big amount if you switch your policy.

How does each company say the same thing? This is how they do it.

All the different companies have strict underwriting profiles for the type of driver they prefer to insure. One example of a desirable insured could possibly be a married male, has no driving citations, and drives a lower-performance vehicle. A driver who fits that profile will probably get cheap rates and most likely will save when they switch companies.

Potential customers who do not meet this ideal profile may receive higher rates and the customer not buying. If you pay attention, the ads say “drivers that switch” not “everyone that quotes” will save that much if they switch. This is how insurance companies can confidently lure you into getting a quote. Because of this risk profiling, it is so important to get price quotes at each policy renewal. It is impossible to guess which company will provide the lowest car insurance rates.

Insurance policy discounts you can’t miss

Companies offering auto insurance don’t always publicize every disount available in an easy-to-find place, so here is a list both well-publicized as well as the least known credits available to bring down your rates.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • New Vehicle Savings – Buying a new car model may earn a small discount due to better safety requirements for newer models.
  • 55 and Retired – Drivers over the age of 55 could receive a small decrease in premiums on Encore coverage.
  • Organization Discounts – Participating in qualifying employment or professional organizations may earn a discount on your bill.
  • One Accident Forgiven – Not really a discount, but some companies like GEICO and Liberty Mutual will let one accident slide without the usual rate increase if you have no claims for a certain period of time.

Please keep in mind that most credits do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free insurance policy, companies don’t profit that way. Any amount of discount will help lower the amount you have to pay.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

When comparing rates, check with every prospective company how you can save money. Savings may not be offered in your state. To choose providers who offer discounts, click here.

Insurance agents can help

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Is my ex-spouse still covered by my policy?
  • I have a DUI can I still get coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I hit a deer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is rental equipment covered for theft or damage?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance policy specifics

Learning about specific coverages of insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2018 Buick Encore.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision protection

Collision coverage will pay to fix damage to your Encore resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, hitting a mailbox, hitting a parking meter, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, damage from a tornado or hurricane, hitting a bird and a broken windshield. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability coverage can cover damages or injuries you inflict on other people or property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $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.

Liability insurance covers claims like funeral expenses, court costs, repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Saving money is sweet as honey

Affordable 2018 Buick Encore insurance can be sourced from both online companies in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not have online quoting and many times these regional carriers prefer to sell through independent agencies.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In many instances, an insured cut collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage for the lowest price and still be able to protect your assets.

You just read a lot of ways to get a better price on 2018 Buick Encore insurance. The key thing to remember is the more you quote auto insurance, the better likelihood of getting inexpensive auto insurance. You may be surprised to find that the best price on insurance coverage is with an unexpected company. These companies may only write in your state and offer lower prices compared to the large companies like State Farm or Progressive.

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