2002 Buick Rendezvous Insurance Cost – 10 Ideas for Cheapest Prices

Want lower auto insurance rates? Drivers have a choice when trying to find the lowest priced Buick Rendezvous insurance. You can either waste hours calling around getting price quotes or use the internet to find the lowest rates.

There are more efficient ways to compare auto insurance rates and you need to know the proper way to compare rates for your Buick and find the cheapest rates from both online companies and local agents.

It’s a good idea to shop coverage around every six months because auto insurance prices change frequently. Despite the fact that you may have had the best deal for Rendezvous coverage a few years ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we’re going to show you one of the easiest ways to find better rates and still maintain coverage.

How to compare insurance coverage quotes

All major insurance coverage companies give price estimates directly from their websites. Getting quotes is fairly simple as all you need to do is type in your required coverages on the page. Once entered, their rating system requests information on your driving record and credit history and provides a quote based on many factors.

Online quotes makes it simple to compare prices but the time it takes to visit a lot of sites and type in the same data can be a bit tiresome and repetitive. But it is imperative to do this if you are searching for better prices.

A less time-consuming method to find better insurance coverage pricing requires only one form to return rates from a lot of companies. This type of form saves time, eliminates form submissions, and makes comparison shopping much easier to do. Immediately after submitting the form, it is rated and you are able to buy your choice of the quotes returned.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. It just takes a couple of minutes and could lower your rates considerably.

To use this form to compare rates, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you copy the limits and deductibles as close as possible to your current policy. Doing this guarantees you will be getting a rate comparison for similar coverage.

These ten discounts can lower your car insurance quotes

Insuring your vehicles can cost a lot, but there are discounts available that may help make it more affordable. Most are applied when you get a quote, but lesser-known reductions have to be manually applied before they will apply.

  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of up to 25% or more.
  • College Student – Youth drivers who attend college more than 100 miles from home without a vehicle on campus could get you a discount.
  • Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for Rendezvous coverage with select insurance companies.
  • Early Switch Discount – A few companies offer discounts for switching to them early. This can save 10% or more.
  • Senior Discount – If you qualify as a senior citizen, you could receive a small decrease in premiums for Rendezvous coverage.
  • Multiple Vehicles – Insuring multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
  • No Claim Discounts – Drivers who stay claim-free can earn big discounts when compared with drivers who are more careless.
  • E-sign Discounts – Some larger companies will provide an incentive just for signing your application on the web.
  • Service Members Pay Less – Having an actively deployed family member could qualify you for better premium rates.

A little note about advertised discounts, most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, you aren’t that lucky.

If you would like to see a list of car insurance companies that provide some of the discounts listed above, click this link.

Different people need different insurance coverage coverages

When it comes to buying the best insurance coverage coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions might point out whether your personal situation would benefit from professional advice.

  • Why do I need rental car insurance?
  • Should I carry comprehensive and collision coverage?
  • When does my teenage driver need to be added to my policy?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if hit by an uninsured driver?
  • Does my policy pay for OEM or aftermarket parts?
  • When should I drop full coverage on my 2002 Buick Rendezvous?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is business equipment covered while in my vehicle?
  • Is a blown tire covered by insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Big brands don’t always mean big savings

Consumers get pounded daily by advertisements for insurance savings by companies like Progressive, Geico, Allstate and State Farm. They all seem to advertise claims that you’ll save big if you change your insurance coverage to their company.

How can each company make the same claim?

Companies provide the lowest rates for a prospective insured that makes them money. A good example of a desirable risk could be between the ages of 30 and 50, has never had a claim, and drives less than 10,000 miles a year. Any customer that hits that “sweet spot” will probably get the lowest prices and therefore will save quite a bit of money when switching.

People who fall short of these criteria will probably be forced to pay a more expensive rate and this results in the customer not purchasing. If you listen to the ad wording, they say “customers that switch” not “all people who quote” save that much when switching. That is how insurance companies can confidently advertise the savings.

This really drives home the point why you absolutely need to get auto insurance quotes as often as possible. It’s impossible to know which insurance companies will have the lowest rate quotes.

Car insurance coverage information

Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision insurance

This coverage will pay to fix damage to your Rendezvous resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, crashing into a building, sideswiping another vehicle, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like repair bills for other people’s vehicles, medical services, court costs, attorney fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses like doctor visits, hospital visits, dental work, pain medications and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

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

Comprehensive can pay for claims like hitting a bird, a tree branch falling on your vehicle, theft and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Buy Smart and Save

The cheapest 2002 Buick Rendezvous insurance is definitely available from both online companies and from local insurance agents, and you should be comparing both to have the best selection. Some companies may not have online rate quotes and usually these small insurance companies only sell coverage through local independent agencies.

We covered many ways to save on 2002 Buick Rendezvous insurance. The key thing to remember is the more you quote auto insurance, the better your comparison will be. Consumers may even find the lowest prices come from a lesser-known regional company.

Consumers switch companies for a number of reasons such as denial of a claim, lack of trust in their agent, delays in responding to claim requests or unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is less work than it seems.

More information can be found at these links: