2014 Buick Encore Insurance Cost – 8 Discounts for Cheaper Prices

Searching for better auto insurance rates for your Buick Encore? Pricey auto insurance can empty your personal savings and possibly require postponing other expenditures. Comparing price quotes can help to make sure you’re not throwing money away.

Popular companies such as State Farm, Farmers Insurance, Geico and Allstate persitently shower you with TV and radio ads and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Low cost auto insurance quotes

Most larger insurance companies allow consumers to get prices for coverage from their websites. Comparing rates online is possible for anyone as you simply type in your coverage preferences on the page. When the form is submitted, the quote system will obtain your credit score and driving record and generates a price. Online quotes simplifies rate comparisons, but the time it takes to visit several different sites and type in the same data can be a bit repetitive. But it is imperative to have as many quotes as possible in order to get the best price possible.

An easier way to find lower prices utilizes a single form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online quotes much more enjoyable. Immediately after you send the form, it is quoted and you can select any or none of the resulting price quotes.

If you find a better price you can simply submit the application and purchase coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.

To save time and compare pricing, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in coverages and limits just like they are on your policy. Using the same limits helps guarantee you will get a price comparison based on similar coverages.

Take advantage of these eight discounts

Some providers do not advertise their entire list of discounts in a way that’s easy to find, so we break down a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for.

  • Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% for Encore coverage with some auto insurance companies.
  • Service Members Pay Less – Having a deployed family member may lower your auto insurance rates slightly.
  • E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks for completing your application on your computer.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Membership in Organizations – Belonging to certain professional organizations can get you a small discount on your next renewal.
  • Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may get savings of 20% or more.
  • Save with a New Car – Buying a new car model can save up to 30% compared to insuring an older model.

Please keep in mind that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So when the math indicates you can get free auto insurance, that’s just not realistic.

A few of the larger companies and their offered discounts are outlined below.

  • Farm Bureau discounts include driver training, youthful driver, safe driver, 55 and retired, good student, and multi-vehicle.
  • MetLife may include discounts for defensive driver, claim-free, multi-policy, good student, and accident-free.
  • Progressive has savings for multi-vehicle, homeowner, online signing, continuous coverage, online quote discount, and multi-policy.
  • AAA policyholders can earn discounts including multi-policy, multi-car, education and occupation, anti-theft, and good driver.
  • American Family has discounts for accident-free, TimeAway discount, early bird, Steer into Savings, mySafetyValet, good student, and air bags.
  • Geico offers premium reductions for federal employee, membership and employees, driver training, defensive driver, anti-theft, and multi-vehicle.
  • State Farm includes discounts for good student, multiple policy, good driver, accident-free, and safe vehicle.

Before purchasing a policy, check with every company to apply every possible discount. Some discounts might not be available to policyholders in your area. If you would like to view providers that have a full spectrum of discounts, follow this link.

Special considerations

When buying adequate coverage, there really is no one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can aid in determining if your situation might need an agent’s assistance.

  • Do I pay less if my vehicle is kept in my garage?
  • When should I buy a commercial auto policy?
  • Do I have coverage when using my vehicle for my home business?
  • How can I find cheaper teen driver insurance?
  • Exactly who is provided coverage by my policy?
  • Is my teenager covered with friends in the car?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

The coverage is in the details

Understanding the coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Collision coverages – Collision coverage will pay to fix damage to your Encore caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical expense coverage – Coverage for medical payments and/or PIP pay for expenses for things like pain medications, ambulance fees and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family 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. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Comprehensive protection – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, theft, hitting a bird, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as bail bonds, medical services, legal defense fees, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Knowledge is power

When getting auto insurance quotes online, it’s not a good idea to buy poor coverage just to save money. In many cases, an accident victim reduced full coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at the best possible price while still protecting your assets.

We just covered quite a bit of information on how to compare 2014 Buick Encore insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on car insurance is with the least-expected company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or Geico.

Some insurance companies do not offer price quotes online and many times these regional insurance providers prefer to sell through independent agencies. The cheapest 2014 Buick Encore insurance is attainable both online and from local insurance agents, so you should compare both to have the best selection.

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