Cheap 2012 Buick Verano Insurance Quotes

Have you had enough of paying out the nose each month for car insurance? You are in the same boat as many other drivers. Many car insurance companies vie for your business, so it’s not easy to compare every provider and get the definite cheapest price

Comprehensive Insurance Comparison

There are a variety of methods to shop for 2012 Buick Verano insurance, and some are easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use the web to get prices fast.

Most of the larger companies are enrolled in a marketplace where prospective buyers submit one quote, and at least one company can provide price quotes. This eliminates the need for quote forms to each company. To access this free quoting program, click here (opens in new window).

The single downside to using this type of form is you can’t choose the insurers you will receive quotes from. So if you prefer to choose from a list of companies to compare, we put together a list of low cost insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverages and limits on every quote. If you are comparing different liability limits it will be next to impossible to make a fair comparison for your Buick Verano.

Save big with these discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to cut the cost considerably. Most are applied when you quote, but lesser-known reductions have to be inquired about before being credited. If you’re not getting every credit you qualify for, you are paying more than you should be.

Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
Military Discounts – Having a family member in the military could mean lower rates.
Fewer Miles Equal More Savings – Fewer annual miles on your Buick could be rewarded with better rates on cars that stay parked.
Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Verano coverage than drivers with accidents.
Claim Free – Drivers who don’t have accidents pay less when compared to bad drivers.
Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

Drivers should understand that most credits do not apply the the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will help reduce your premiums.

To see a list of companies with the best insurance discounts, click here.

But I don’t know anything about car insurance

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

Do I get a pro-rated refund if I cancel my policy early?
Why am I required to get a high-risk car insurance policy?
Do I need medical payments coverage since I have good health insurance?
If I drive on a suspended license am I covered?
Am I better off with higher deductibles on my 2012 Buick Verano?
Does my personal policy cover me when driving out-of-state?
Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.

Auto liability insurance

This coverage will cover damage that occurs to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like legal defense fees, attorney fees and court costs. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like prosthetic devices, pain medications, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage covers damage to your Verano resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, sideswiping another vehicle, crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

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

Comprehensive coverage protects against things such as damage from getting keyed, damage from a tornado or hurricane, rock chips in glass and falling objects. The maximum amount 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 consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Buick Verano.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.