2006 Buick Rendezvous Insurance Quotes – 10 Tips for Cheapest Rates

Looking for cheaper car insurance rates for your Buick Rendezvous? I doubt anyone likes having to buy car insurance, in particular when they could lower their rates if they shopped around.

Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate all claim big savings with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you are paying for car insurance now, you should be able to cut costs considerably using this strategy. Buying car insurance is quite easy. Although vehicle owners need to have an understanding of the way companies compete online.

How to compare auto insurance rate quotes

There are several ways to compare auto insurance quotes, but there is one way that is more efficient than others. You could spend your day talking to agents in your area, or you could use online quotes to get prices fast.

Most of the best insurance companies enroll in a system where insurance shoppers complete one form, and every company can provide price quotes based on that information. This system prevents you from having to do form submissions to each company. To find out how much you can save on auto insurance click here to start a free quote.

One minor caviat to getting quotes like this is that consumers can’t choose which carriers to get quotes from. So if you prefer to pick individual companies to request quotes from, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

The method you choose is up to you, but be sure to compare the exact same coverages and limits for every company. If each company quotes unequal deductibles or liability limits you can’t possibly decipher which rate is best. Just slight variations in insurance coverages or limits could skew the results. It’s important to know that comparing more quotes will improve the odds of getting more affordable rates.

More discounts mean cheaper premiums

Insurance coverage is easily one of your largest bills, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but a few must be requested specifically in order for you to get them.

  • Employee of Federal Government – Federal government employees could qualify for a slight premium decrease on Rendezvous insurance but check with your company.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts could cut 10% or more off the medical payments premium.
  • Cautious Driver Discount – Accident-free drivers can save up to 40% or more on their auto insurance quote on Rendezvous insurance than their less cautious counterparts.
  • Save over 55 – Seniors can get a discount up to 10% on Rendezvous insurance.
  • Accident Waiver – Not necessarily a discount, but certain companies will turn a blind eye to one accident without raising rates so long as you are claim-free for a set time period.
  • Low Mileage – Maintaining low annual mileage may enable drivers to earn lower premium rates on the low mileage vehicles.
  • More Vehicles More Savings – Purchasing coverage when you have multiple vehicles with the same company can reduce the rates for all insured vehicles.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles prevent vehicle theft so companies will give you a small discount.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.
  • College Student – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle may be able to be covered for less.

Don’t be shocked that some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, companies wouldn’t make money that way.

Large insurance coverage companies and their offered discounts are outlined below.

  • Geico offers premium reductions for membership and employees, multi-vehicle, five-year accident-free, driver training, daytime running lights, federal employee, and good student.
  • SAFECO has savings for drive less, accident prevention training, teen safety rewards, anti-theft, and anti-lock brakes.
  • State Farm includes discounts for multiple autos, driver’s education, multiple policy, accident-free, safe vehicle, Steer Clear safe driver discount, and passive restraint.
  • MetLife may have discounts that include good student, multi-policy, defensive driver, claim-free, good driver, accident-free
  • 21st Century may include discounts for homeowners, air bags, early bird, theft prevention, driver training, defensive driver, and automatic seat belts.
  • Progressive has discounts for good student, multi-vehicle, online signing, multi-policy, and online quote discount.

Check with every insurance company which discounts you may be entitled to. Savings might not be available to policyholders in your area.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered if hit by an uninsured driver?
  • Are my friends covered when driving my car?
  • Do I pay less if my vehicle is kept in my garage?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

What auto insurance coverages do you need?

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Auto liability insurance

This can cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical services, repair bills for other people’s vehicles, bail bonds, attorney fees and structural damage. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Collision coverage

This coverage pays for damage to your Rendezvous from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, scraping a guard rail, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses for prosthetic devices, nursing services and pain medications. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Buick Rendezvous.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, theft, hail damage and damage from flooding. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t be a big spender

In this article, we covered a lot of tips how to shop for 2006 Buick Rendezvous insurance online. The key thing to remember is the more times you quote, the better your chances of lowering your prices. You may even discover the biggest savings come from a lesser-known regional company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Geico and State Farm.

As you restructure your insurance plan, never reduce coverage to reduce premium. There have been many cases where an insured cut full coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

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