2016 Buick Envision Car Insurance Rates – 7 Tips for Cheaper Quotes

Looking for cheaper insurance rates for your Buick Envision? I can’t think of a single person who looks forward to paying for insurance, especially when they are aware that they could find lower prices if they just compared rates.

Many car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to get the lowest rate

It’s smart to do rate comparisons at least once a year since insurance rates trend upward over time. If you had the lowest premium rates on Envision coverage on your last policy you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re going to learn the only way to remove unneeded coverages and save money.

Finding insurance coverage

Shopping for lower insurance coverage rates is a ton of work if you aren’t aware of the easiest way. You can spend countless hours talking to agents in your area, or you can stay home and use online quotes for quick rates.

Most car insurance companies belong to a marketplace that allows shoppers to submit their information once, and at least one company then gives them pricing. This system prevents you from having to do repetitive form submissions to every company.

To enter your information into the quoting system, click to open in new window.

The one downside to pricing coverage this way is you can’t choose which companies you want pricing from. If you prefer to choose individual companies to compare, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

Compare rates however you want, just make sure you are using identical quote information for each quote you get. If you are comparing mixed coverages you will not be able to determine the best price for your Buick Envision. Slightly different coverages may cause a big price difference. Just keep in mind that getting more free quotes helps locate lower pricing. Not every company does prices over the internet, so it’s recommended that you also compare quotes on coverage from those companies, too.

Can switching companies really save?

Respected companies like Allstate, Geico and Progressive regularly use ads in print and on television. All the ads try to convey promises that drivers can save some big amount if you switch your policy. How is it possible that every company can say the same thing? You have to listen carefully.

Different companies give the cheapest rates for the driver that will most likely be profitable. An example of a profitable customer may need to be married and over the age of 30, has a clean driving record, and insures a new vehicle. A propective insured that meets those criteria may get the lowest rates and most likely will cut their rates if they switch.

Potential customers who do not meet this ideal profile may be forced to pay a higher premium which translates to business not being written. Company advertisements say “customers who switch” not “everybody who quotes” save money. That is how companies can truthfully make claims that they all have the best prices. This really drives home the point why you need to compare as many free car insurance quotes as you can. Because you cannot predict with any certainty which company will fit you best based on your risk profile.

Save money by earning these seven discounts

Auto insurance is easily one of your largest bills, but there could be significant discounts to help offset the cost. Certain reductions will be credited when you get a quote, but some need to be asked for before you get the savings.

  • Fewer Miles Equal More Savings – Keeping the miles down on your Buick can qualify you for lower auto insurancerates due to less chance of an accident.
  • Home Ownership Discount – Owning your own home or condo can earn you a little savings because of the fact that having a home requires personal responsibility.
  • Clubs and Organizations – Belonging to specific professional or occupational memberships or organizations could qualify you for a break on your next auto insurance statement.
  • Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts can get savings of 20 to 30 percent.
  • Theft Deterent – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Telematics Devices – Policyholders that allow their company to spy on vehicle usage through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they are good drivers.
  • Government Employee Discount – Federal government employees can save as much as 8% on Envision coverage with a few auto insurance companies.

As a sidenote, some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few of the larger companies and the discounts they provide are detailed below.

  • Progressive may include discounts for online quote discount, continuous coverage, multi-vehicle, homeowner, multi-policy, and good student.
  • The Hartford includes discounts for air bag, defensive driver, good student, bundle, vehicle fuel type, and driver training.
  • Mercury Insurance offers discounts for multi-car, ease of repair, anti-theft, age of vehicle, good driver, multi-policy, and type of vehicle.
  • Geico discounts include anti-lock brakes, multi-vehicle, military active duty, daytime running lights, and membership and employees.
  • AAA has savings for AAA membership discount, pay-in-full, good driver, good student, multi-policy, anti-theft, and education and occupation.
  • State Farm offers discounts including Drive Safe & Save, multiple autos, good student, defensive driving training, safe vehicle, Steer Clear safe driver discount, and accident-free.

Double check with every insurance company which discounts you qualify for. Savings might not apply everywhere. To choose auto insurance companies who offer discounts, click here.

Your car insurance coverage should be tailored to you

When buying the best car insurance coverage, there is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

  • Which companies will insure high-risk drivers?
  • What are the best liability limits?
  • Why do I only qualify for high-risk insurance?
  • What if I total my 2016 Buick Envision and owe more than it’s worth?
  • Is my teen driver covered when they drive my company car?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverage specifics

Learning about specific coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Envision.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability

This coverage will cover damage that occurs to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like structural damage, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane, hitting a deer and theft. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for doctor visits, nursing services, hospital visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Cheaper insurance is a realistic goal

In this article, we covered a lot of techniques to compare 2016 Buick Envision insurance rates online. The key concept to understand is the more times you quote, the higher your chance of finding cheaper car insurance. You may be surprised to find that the most savings is with the smaller companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Some companies do not provide the ability to get quotes online and many times these smaller providers work with independent agencies. Lower-priced 2016 Buick Envision insurance can be bought online as well as from independent agents, so you need to compare both in order to have the best chance of saving money.

As you prepare to switch companies, you should never reduce coverage to reduce premium. In many instances, an insured cut physical damage coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible for the lowest cost while still protecting your assets.

More detailed auto insurance information can be found at these sites: