Lower Your 2012 Buick Verano Insurance Rates

Searching for lower insurance rates for your Buick Verano? Think you have an expensive insurance policy? It’s quite common and you’re not the only one. Many car insurance companies compete for your insurance dollar, so it can be very hard to choose a provider to find the absolute best price available.

It’s a great practice to get comparison quotes yearly because prices go up and down regularly. If you had the lowest rates for Verano coverage two years ago you will most likely find a better rate quote today. There is a lot of bad advice regarding insurance on the internet, but you can learn some of the best ways to quit paying high insurance rates.

If you are insured now or are just looking to switch companies, you can use these tips to shop for the lowest rates and still get good coverage. Finding affordable coverage is not rocket science. Vehicle owners just need to understand how to shop for insurance coverage over the internet.

Cut your insurance coverage rates with discounts

Insurance coverage is not an enjoyable expense, but discounts can save money and there are some available that can help lower your rates. Certain reductions will be credited at the time you complete a quote, but a few must be specially asked for before being credited.

  • 55 and Retired – Seniors may receive reduced rates for Verano coverage.
  • E-sign – A handful of insurance coverage companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Theft Deterent System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
  • Student in College – Children who attend college more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
  • Defensive Driver Discount – Taking a defensive driving course could save 5% or more depending on where you live.
  • New Car Discount – Buying insurance coverage coverage on a new vehicle can be considerably cheaper because new vehicles are generally safer.
  • Student Driver Training – Teen drivers should take driver’s ed class if offered at their school.
  • Full Payment Discount – If paying your policy premium upfront rather than paying in monthly installments you could save up to 5%.
  • Bundle and Save – If you have multiple policies and insure them both with the same insurance company you will save 10% to 20% off each policy.
  • Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for Verano coverage depending on your insurance coverage provider.

A quick disclaimer, many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Companies that have some of the above discounts include:

When quoting, ask every prospective company which discounts you qualify for. Some discounts might not be offered on policies in your area. To see a list of providers with the best discounts, click here to view.

How to lower your insurance cost

The majority of larger companies such as Progressive, Allstate and Geico allow consumers to get prices for coverage directly from their websites. Comparing rates online is quite simple as you just enter the amount of coverage you want into the form. After you submit the form their system automatically retrieves your credit score and driving record and generates pricing information based on the information you submitted. Online quotes helps simplify price comparisons, but the time it takes to visit many different websites and type in your information is repetitive and time-consuming. But it’s necessary to get many rate quotes in order to find better prices.

There is a better way!

The preferred way to find better insurance pricing uses one form to return rates from many companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. As soon as the form is sent, it is quoted and you can select any or none of the pricing results.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. It only takes a few minutes and may save quite a bit of money.

In order to fill out one form to compare multiple rates now, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you input deductibles and limits identical to your current policy. Doing this assures you will receive an apples-to-apples comparison for similar insurance coverage.

You are unique and your insurance should be too

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether or not you may require specific advice.

  • Does my car insurance cover rental cars?
  • What can I do if my company won’t pay a claim?
  • What is roadside assistance coverage?
  • Am I covered when driving on a suspended license?
  • If my 2012 Buick Verano is totaled, can I afford another vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Is rental equipment covered for theft or damage?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Coverages available on your policy

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the normal coverages found on most insurance policies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses like X-ray expenses, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision protection

This pays for damage to your Verano resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, hitting a parking meter, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability auto insurance

Liability insurance will cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, repair bills for other people’s vehicles, legal defense fees and structural damage. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, a broken windshield, damage from a tornado or hurricane and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

The best insurance company isn’t always the cheapest

We covered quite a bit of information on how to get a better price on 2012 Buick Verano insurance. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the lowest car insurance rates come from the smaller companies. Smaller companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate, Geico and Progressive.

Budget-conscious 2012 Buick Verano insurance can be bought both online and from local agencies, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not have internet price quotes and these smaller providers work with independent insurance agents.

Even more information is available in these articles: