2016 Buick Cascada Car Insurance Rates

Are you burned out from paying out the nose to keep your car insured? You are no different than many other consumers.

Insurance companies such as State Farm and Geico constantly bombard you with catchy ads and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

You should make it a habit to compare prices before your policy renews due to the fact that insurance prices trend upward over time. Just because you had the best quotes for Cascada coverage two years ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the best methods to find better rates and still maintain coverage.

Where can I get cheap insurance?

When looking for low cost insurance quotes, there are a couple ways to compare quotes from many insurance companies in your state. By far the easiest way to compare 2016 Buick Cascada insurance prices consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.

  • Hands down the most simple method to get quotes for comparison is a comparison rater form click to view form in new window. This quick form eliminates the need for repetitive form entry to each individual insurance company. Filling out one form will return quotes from multiple low-cost companies.
  • Another way to get quotes online is to take the time to go to each company website and fill out their own quote form. For instance, we’ll assume you need rates from Farmers, Allstate and GMAC. To find out each rate you need to visit each site and enter your policy data, which is not fast way to get rate quotes. For a list of companies in your area, click here.
  • The most difficult method of getting rate comparisons is making phone calls or going to insurance agencies in your area. The internet reduces the need to sit down with an agent unless you want the trained advice that only a licensed agent can provide. It is possible to obtain prices from the web but still have the advice of a local agent.

However you get your quotes, make sure you use the same information on every price quote you get. If you use higher or lower deductibles you will not be able to decipher which rate is best. Having just a slight variation in insurance coverages can mean a large discrepancy in price. Keep in mind that comparing a large number of companies will improve the odds of getting a lower rate.

Insurance companies offer many types of discounts

Auto insurance companies don’t always publicize all disounts in an easy-to-find place, so below is a list both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online. If you check and find you aren’t receiving every discount available, you could be saving more on your insurance.

  • Bundled Policy Discount – If you insure your home and vehicles and place coverage with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Seat Belts Save – Forcing all vehicle occupants to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Anti-theft Discount – Cars that have factory anti-theft systems are less likely to be stolen and will qualify for a discount on a insurance quote.
  • Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you may reduce your total bill.
  • Professional Memberships – Being in specific professional or occupational memberships or organizations can get you a small discount on your bill.
  • Low Mileage Discounts – Driving fewer miles can earn substantially lower insurancerates.
  • Accident Forgiveness – Not a discount per se, but some companies like Progressive, State Farm and Geico may permit one accident without raising rates so long as you are claim-free for a set time period.
  • Save with a New Car – Buying a new car model can save you some money because newer vehicles keep occupants safer.
  • Military Deployment Discount – Being deployed with a military unit could mean lower premium rates.

One thing to note about discounts is that most credits do not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.

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

  • Farmers Insurance policyholders can earn discounts including switch companies, multi-car, bundle discounts, mature driver, and distant student.
  • Esurance may have discounts that include emergency road assistance, anti-theft, online shopper, multi-policy, paid-in-full, and renters.
  • State Farm offers discounts including Drive Safe & Save, anti-theft, student away at school, passive restraint, and good driver.
  • Geico has discounts for membership and employees, five-year accident-free, anti-theft, daytime running lights, driver training, seat belt use, and federal employee.
  • Allstate may offer discounts for eSmart discount, premier discount, EZ pay plan discount, new car, anti-theft, auto/life discount, and economy car.

When comparing rates, check with each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders everywhere.

Do I just need basic coverages?

When buying the best auto insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might help in determining if you could use an agent’s help.

  • If I drive on a suspended license am I covered?
  • Who is covered by my policy?
  • Should I have combined single limit or split liability limits?
  • Is my Buick Cascada covered if I use it for business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when driving a rental car?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Why you might pay inflated rates

Many things are considered when premium rates are determined. Some factors are common sense like your driving record, but others are less apparent such as whether you are married and annual miles driven.

The factors shown below are some of the items used by companies to determine rates.

  • Vehicles with better crash test results cost less to insure – Cars with five star safety ratings cost less to insure. Highly rated vehicles reduce injuries and fewer serious injuries translates directly to fewer claims and thus lower rates.
  • Higher physical damage deductibles reduce costs – Your deductibles are how much you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply could be rearending another vehicle, fire damage, and damage from wind. The more expense you choose to pay out-of-pocket, the less money you will pay for auto insurance for Cascada coverage.
  • Premiums are affected by your credit score – Having a bad credit history is likely to be a major factor in determining what you pay. People that have excellent credit tend to be less risk to insure than those with bad credit. If your credit score is lower than you’d like, you could be paying less to insure your 2016 Buick Cascada by taking the time to improve your credit score.
  • When should you not file a auto insurance claims? – If you frequently file small claims, don’t be surprised to see higher premiums or even policy non-renewal. Companies award cheaper rates to policyholders who only file infrequent claims. Auto insurance is intended for claims that you cannot pay yourself.
  • Safeguard your assets with liability insurance – Your auto insurance policy’s liability coverage is the protection if ever a jury decides you are liable for physical damage or personal injury to other. Liability provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Annual miles is a factor – The higher the mileage driven in a year’s time the more you will pay for auto insurance. Most companies apply a rate determined by how the vehicle is used. Vehicles that sit idle most of the time receive lower rates than vehicles that have high annual mileage. Make sure your auto insurance declarations sheet reflects the correct driver usage, because it can save money. Having an incorrect usage rating on your Cascada may be costing you higher rates.
  • Driving citations are costly – Having just one driving citation can increase rates by as much as twenty percent. Drivers with clean records pay less for auto insurance compared to drivers with tickets. Drivers who have license-revoking violations like DUI or willful reckless driving may find that they have to to maintain a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Auto insurance rates and vocation – Careers such as real estate brokersair traffic controllers and dentists tend to have the highest rates due to intense work requirements and incredibly demanding work hours. Other jobs such as professors, historians and homemakers receive lower rates for Cascada coverage.

Brand name doesn’t guarantee savings

Progressive, Geico, Allstate and State Farm endlessly run television, radio, and online ads. All the ads convey the message about how much you will save just by switching your coverage to them. That’s great but how can every company offer you a better deal? This is the way they can do it.

All companies quote their best rates for the type of insured that earns them a profit. One example of a profitable insured might be married and over the age of 30, has other policies, and drives less than 7,500 miles a year. A customer that meets those criteria will most likely get cheap rates and is almost guaranteed to save when switching.

People who don’t meet the ideal profile will have to pay higher premiums and this can result in the customer not purchasing. If you listen to the ad wording, they say “people that switch” not “everyone who quotes” save that much when switching. This is how companies can lure you into getting a quote.

This really illustrates why you really need to compare rate quotes every year. It’s impossible to know which insurance companies will provide you with the cheapest rates.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average car insurance policy.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses for surgery, pain medications, hospital visits and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Liability coverages

This coverage protects you from damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, court costs and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, a broken windshield and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Shop around and save

When getting insurance quotes online, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where someone dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

Budget-friendly auto insurance is available on the web and also from your neighborhood agents, so get free insurance quotes from both of them to get a complete price analysis. A few companies may not have internet price quotes and many times these small insurance companies prefer to sell through independent agencies.

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