2014 Buick Verano Insurance Rates – 8 Tricks for Best Quotes

Tired of sacrificing to pay high insurance coverage rates every month? You are in the same boat as many other drivers. Multiple insurers compete for your insurance dollar, and because of this it can be hard to compare insurance companies to discover the definitive best price available.

It’s a good habit to do rate comparisons occasionally because insurance coverage prices trend upward over time. Despite the fact that you may have had the best rates on Verano insurance on your last policy you may be paying too much now. You’ll find a ton of advice on insurance coverage on the internet, but we’re going to give you some good information on how to lower your insurance coverage premiums.

Insurance policy discounts you can’t miss

Insurance is easily one of your largest bills, but discounts can save money and there are some available that many consumers don’t even know exist. A few discounts will automatically apply when you complete an application, but some may not be applied and must be requested specifically before being credited. If you check and find you aren’t receiving every discount you qualify for, you are not getting the best rate possible.

  • 55 and Retired – Mature drivers are able to get a small decrease in premiums on Verano insurance.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
  • Passive Restraint Discount – Factory options such as air bags can get savings of more than 20%.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and can earn a small discount on your policy.
  • Accident Waiver – Not a discount per se, but a few companies such as Progressive, Allstate, and Geico will forgive one accident before they charge you more for coverage if your claims history is clear for a particular time prior to the accident.
  • Membership in Organizations – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on insurance.
  • Sign Online – Certain companies will give you a small discount get car insurance on their website.
  • No Claims – Drivers who don’t have accidents pay less compared to drivers who are more careless.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky.

The best insurance companies and some of their more popular discounts can be read below.

  • Travelers may offer discounts for multi-policy, payment discounts, new car, student away at school, home ownership, hybrid/electric vehicle, and IntelliDrive.
  • 21st Century offers discounts including defensive driver, air bags, 55 and older, driver training, and good student.
  • State Farm offers discounts for defensive driving training, good driver, driver’s education, multiple policy, passive restraint, anti-theft, and Drive Safe & Save.
  • Geico offers premium reductions for daytime running lights, membership and employees, federal employee, military active duty, defensive driver, and good student.
  • SAFECO policyholders can earn discounts including anti-theft, bundle discounts, teen safety rewards, teen safe driver, safe driver, anti-lock brakes, and homeowner.
  • AAA may include discounts for good driver, AAA membership discount, multi-car, pay-in-full, multi-policy, and good student.

If you are trying to find inexpensive car insurance quotes, ask each company or agent the best way to save money. Some credits may not apply to policies in your area. To locate providers with discount insurance rates, click here to view.

Insurance agents can help

When it comes to choosing coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out if your situation may require specific advice.

  • Does coverage extend to my business vehicle?
  • Exactly who is provided coverage by my policy?
  • Will filing a claim cost me more?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Specifics of your car insurance policy

Having a good grasp of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverage types found on the average car insurance policy.

Auto collision coverage

Collision insurance pays for damage to your Verano resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, backing into a parked car, sideswiping another vehicle, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims like medical expenses, legal defense fees, court costs and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Buick Verano.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, hitting a bird and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as chiropractic care, surgery and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

In any little way, save everyday

You just read a lot of information how to save on 2014 Buick Verano insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or Geico.

While you’re price shopping online, you should never buy poor coverage just to save money. There have been many cases where drivers have reduced physical damage coverage to discover at claim time that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.

Budget-friendly car insurance is attainable on the web as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies may not provide price quotes online and many times these small insurance companies work with independent agents.

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