Cheap 2013 Buick Encore Car Insurance Rates

Want the cheapest car insurance rates for your Buick Encore? Price shopping your car insurance can be frustrating for drivers who are beginners to shopping for insurance online. People have so many agents and companies to choose from that it can quickly become a chore to locate the lowest coverage rates.

It is always a good idea to do rate comparisons at least once a year due to the fact that insurance prices change regularly. Despite the fact that you may have had the lowest rate for Encore insurance last year you may be paying too much now. You can find a lot of wrong information about car insurance on the internet, but in a few minutes you can learn some tested techniques to find affordable car insurance.

If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. This information will instruct you on how to effectively get price quotes and some tips to save money. But car owners should learn how companies compete online and apply this information to your search.

Which insurance coverage is cheapest?

Most major insurance companies allow consumers to get coverage price quotes from their websites. Getting quotes doesn’t take much effort as you simply type in your required coverages into the form. When the form is submitted, the company’s rating system will obtain your driving and credit reports and generates a price.

Online price quotes makes comparing rates easy, but the time required to go to a lot of sites and type in the same information is a big time waster. But it’s necessary to have as many quotes as possible if you want to find the lowest possible prices on insurance coverage.

The preferred way to find better insurance coverage pricing is to use a quote form that obtains quotes from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes rate comparisons much simpler. Once the form is submitted, it is quoted and you are able to buy any of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. It takes 15 minutes at the most and you will know how your current rates stack up.

To compare rates now, click here and input your coverage information. To compare your current rates, we recommend you replicate as shown on your current policy. This way, you’re receiving rate comparison quotes using the exact same coverages.

Informed consumers know how to get auto insurance at a discount

A large part of saving on auto insurance is knowing the rating factors that are used to determine your auto insurance rates. If you have a feel for what controls the rates you pay, this enables you to make decisions that could result in lower auto insurance prices. Lots of factors are considered when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but other factors are more obscure such as whether you are married or your vehicle rating.

The list below includes some of the most rate-impacting factors companies use to determine your prices.

How do annual miles impact premiums? – The more miles you rack up on your Buick every year the more you’ll pay to insure your vehicle. Many insurance companies rate vehicles determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate than those used for commuting. It’s a smart idea to ensure your vehicle rating properly reflects the proper vehicle usage, because it can save money. Having an incorrect usage rating on your Encore may be costing you.
Where you live – Choosing to live in less populated areas is a positive aspect if you are looking for the lowest rates. Fewer drivers and short commutes means reduced accidents as well as less vandalism and auto theft. People who live in big cities regularly have much more traffic and much longer commute distances. More time on the road means higher likelihood of an accident.
Premiums drop with age – Teenage drivers tend to be less responsible when behind the wheel so they pay higher auto insurance rates. More mature drivers tend to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
Don’t abuse policy claims – Auto insurance companies award better rates to policyholders that do not abuse their auto insurance. If you are a frequent claim filer, you can expect higher rates. Your car insurance is meant to be used in the event of more catestrophic claims.
Always keep your auto insurance policy in place – Allowing your auto insurance policy to lapse is a fast way to drive up your policy premiums. Not only will rates go up, the inability to provide proof of insurance will get you a steep fine or even jail time.
Do you know you’re credit rating? – Your credit score will be a significant factor in determining what you pay. Therefore, if your credit score can be improved, you could pay less to insure your 2013 Buick Encore if you clean up your credit. People with very good credit scores tend to file fewer claims and have better driving records than drivers who have poor credit scores.
Your gender affects rates – Statistics show that females take fewer risks when driving. However, don’t assume that females are better drivers. Both genders have auto accidents at about the same rate, but males cause more damage. Men also get ticketed for serious violations like driving under the influence (DUI).
Marriage can save you money – Being married can actually save you money compared to being single. Having a spouse means you’re less irresponsible it has been statistically shown that married drivers tend to have fewer serious accidents.

Don’t miss these money-saving discounts

The price of auto insurance can be rather high, but you might already qualify for some discounts that many consumers don’t even know exist. Most are applied when you get a quote, but some must be asked for before being credited.

Own a Home – Simply owning a home can get you a discount since owning and maintaining a home means you have a higher level of financial diligence.
Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% for Encore insurance with some insurance coverage companies.
Data Collection Discounts – People who choose to allow data collection to track where and when they drive through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.
Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% for Encore insurance.
Pay Now and Pay Less – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid the installment charge.

Discounts lower rates, but most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So even though you would think it’s possible to get free car insurance, you aren’t that lucky.

Large insurance coverage companies and a partial list of their discounts are shown below.

State Farm includes discounts for good student, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, and accident-free.
Farmers Insurance offers premium reductions for switch companies, business and professional, alternative fuel, early shopping, multi-car, and mature driver.
Progressive may include discounts for online signing, multi-policy, online quote discount, continuous coverage, homeowner, multi-vehicle, and good student.
Geico may offer discounts for defensive driver, seat belt use, anti-theft, driver training, membership and employees, five-year accident-free, and anti-lock brakes.
Auto-Owners Insurance has discounts for anti-lock brakes, mature driver, company car, teen driver, multi-policy, and student away at school.
The Hartford has savings for bundle, defensive driver, good student, vehicle fuel type, and driver training.
Farm Bureau may have discounts that include multi-vehicle, 55 and retired, youthful driver, renewal discount, multi-policy, good student, and driver training.
USAA discounts include annual mileage, driver training, loyalty savings, multi-vehicle, and defensive driver.

If you want cheap insurance coverage quotes, ask each insurance company which discounts you may be entitled to. Some discounts listed above might not be offered everywhere. If you would like to see a list of providers that offer many of these discounts, click here.

Do I need special coverages?

When buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions can help discover if your insurance needs would benefit from professional advice.

Is my trailer covered?
Is my teen driver covered when they drive my company car?
Does coverage extend to Mexico or Canada?
Are my tools covered if they get stolen from my vehicle?
Can I get a multi-policy discount for packaging my home and auto coverage?
Is my cargo covered for damage or theft?
Is a fancy paint job covered?
Are rock chip repairs covered?
Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Specific coverages for a Buick Encore

Learning about specific coverages of car insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for rehabilitation expenses, pain medications, doctor visits, EMT expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from 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 can pay for claims such as theft, vandalism, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Buick Encore.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability coverages

Liability insurance can cover damage that occurs to a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, structural damage, bail bonds, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Coverage for collisions

Collision coverage covers damage to your Encore resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, crashing into a ditch, scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

In any little way, save everyday

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. There have been many situations where an insured cut uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

We just showed you a lot of tips how to reduce 2013 Buick Encore insurance premium rates online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the most savings is with an unexpected company.

Cheap 2013 Buick Encore insurance can be bought online in addition to many insurance agents, so you need to shop insurance coverage with both to have the best chance of lowering rates. Some insurance companies may not offer rates over the internet and usually these small insurance companies sell through independent agents.