Cheap 2017 Buick Encore Insurance Rates

Want better insurance coverage rates for your Buick Encore? Being forced to pay for expensive insurance coverage premiums can eat up your accounts and make it impossible to make ends meet. Performing a price comparison can help to slash your bill and have more diposable income.

Many auto insurance companies vie for your business, and because of this it can be hard to compare auto insurance companies to get the best rate

Auto insurance discounts help lower rates

Some insurance providers don’t necessarily list their entire list of discounts in a way that’s easy to find, so the list below gives a summary of some of the more common as well as some of the hidden credits that may apply to you.

  • Defensive Driver – Completing a course teaching defensive driving skills may get you a small discount if you qualify.
  • Multi-car Discount – Drivers who insure primary and secondary vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
  • College Student Discount – Any of your kids who live away from home at college and don’t have a car may qualify for this discount.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premium rates.
  • Telematics Data Discounts – Policyholders that allow driving data submission to analyze driving manner by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if their driving habits are good.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Discounts for Cautious Drivers – Insureds who avoid accidents may receive a discount up to 45% on Encore insurance compared to rates paid by drivers with frequent claims.
  • Homeowners Discount – Owning your own home or condo can get you a discount since home ownership means you have a higher level of financial diligence.
  • One Accident Forgiven – Not really a discount, but a handful of insurance companies permit an accident before your rates go up if you are claim-free for a set time period.

As a sidenote, most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of providers who offer auto insurance discounts, follow this link.

How your Encore insurance prices are determined

Smart consumers have a good feel for some of the elements that help calculate insurance rates. When you understand what impacts premium levels, this empowers consumers to make smart changes that may result in big savings.

  • Low mileage costs less – The more you drive in a year’s time the more it will cost to insure it. Most companies calculate prices based upon how you use the vehicle. Cars that sit idle most of the time get more affordable rates than those used for commuting. Double check that your insurance coverage states the correct usage. A policy that improperly rates your Encore may be costing you higher rates.
  • Is car insurance cheaper for males or females? – Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that women are better drivers. Women and men are responsible for accidents at about the same rate, but men get into accidents with more damage. Men also statistically have more aggressive citations like driving under the influence (DUI). Young males generally have the highest accident percentage and thus pay the highest rates.
  • Additional coverages that may be costing you – Policies have add-on coverages that can add up if you aren’t diligent. Things like coverage for rental cars, accidental death, and motor club memberships could be just wasting money. These coverages may sound good when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.
  • GPS tracking and theft deterrents reduce insurance rates – Buying a car that has an advanced theft prevention system can earn a premium discount. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent vehicle theft.
  • Demanding occupation may mean higher insurance rates – Occupations such as military personnelair traffic controllers and accountants tend to have the highest average rates in part from job stress and lengthy work days. On the flip side, jobs such as scientists, athletes and performers receive lower rates on Encore insurance.
  • Save money with higher coverage deductibles – Physical damage insurance, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, and damage caused by flying debris. The deductibles are how much you are required to pay if the claim is covered. The more money you pay before a claim is paid (deductible), the less money you will pay for insurance on Encore insurance.
  • Safeguard your assets with liability protection – A critical coverage on your policy, liability insurance will provide protection when a court rules you are at fault for damages from an accident. It will provide legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should carry high limits.

Which is the best auto insurance?

When buying coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Is my custom paint covered by insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does having multiple vehicles earn me a discount?
  • Is my trailer covered?
  • Should I buy full coverage?
  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?
  • Am I getting all the discounts available?
  • Which is better, split liability limits or combined limits?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Insurance coverage options for a Buick Encore

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like rehabilitation expenses, nursing services and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance can cover injuries or damage you cause to other people or property. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as emergency aid, loss of income and attorney fees. How much coverage you buy is your choice, but buy as large an amount as possible.

Collision protection

This pays for damage to your Encore resulting from colliding 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 things like hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Buick Encore.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, vandalism and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

A penny earned…

We just covered some good ideas how to compare 2017 Buick Encore insurance prices online. The most important thing to understand is the more you quote auto insurance, the better likelihood of getting cheap auto insurance. Consumers could even find that the lowest prices are with some of the smallest insurance companies. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive or Geico.

When searching for affordable auto insurance quotes, it’s very important that you do not buy less coverage just to save a little money. In many cases, someone sacrificed physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at the lowest possible cost.

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