2013 Buick Encore Insurance Rates – 10 Tips for Cheaper Quotes

Want better car insurance rates? Drivers have many options when trying to find the best price on Buick Encore insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to find the lowest rates. There are more efficient ways to compare car insurance rates and you need to know the proper way to get price quotes for your Buick and obtain the lowest possible price from both online companies and local agents.

You need to check car insurance prices before your policy renews due to the fact that insurance rates change regularly. Just because you had the best price for Encore insurance on your last policy you will most likely find a better rate today. Starting now, ignore everything you know about car insurance because it’s time to teach you the fastest way to reduce your cost while increasing coverage.

Discounts on 2013 Buick Encore insurance

Companies that sell car insurance don’t always list all available discounts in an easy-to-find place, so here is a list some of the more common and also the lesser-known auto insurance savings. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current policy expires. It can save you around 10%.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less for Encore insurance than their less cautious counterparts.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Encore insurance with a few auto insurance companies.
  • No Claims – Claim-free drivers can earn big discounts compared to accident-prone drivers.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of insurers offering auto insurance discounts, follow this link.

Comparison of Insurance

Getting better 2013 Buick Encore insurance pricing is surprisingly easy. The only requirement is to spend a little time to get quotes from different insurance companies. This can be accomplished using a couple different methods.

  1. One of the simplest ways to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form saves time by eliminating a different quote for each company. In just a few minutes this one form will get you price quotes instantly. This is by far the quickest method.
  2. A different way to find lower rates requires a trip to each company website to complete a price quote. For instance, we’ll assume you want rates from State Farm, Allstate and Liberty Mutual. To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare identical information for each price quote. If you enter different limits and deductibles on each one it will be impossible to determine the lowest rate for your Buick Encore.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions can help discover whether you will benefit from professional help.

  • Is upholstery damage covered by car insurance?
  • When does my teenage driver need to be added to my policy?
  • What vehicles should carry emergency assistance coverage?
  • Do I need motorclub coverage?
  • Who is covered when they drive my 2013 Buick Encore?
  • Should I buy only the required minimum liability coverage?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance policy coverages for a 2013 Buick Encore

Knowing the specifics of a car insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability insurance

This can cover damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people. Liability 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 might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as structural damage, repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, hitting a deer, fire damage, damage from flooding and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for funeral costs, doctor visits and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage

This pays for damage to your Encore from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Buick Encore.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

In the end, you save

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. Too many times, an accident victim reduced liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Affordable 2013 Buick Encore insurance can be found both online as well as from independent agents, and you should be comparing both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

In this article, we presented many ideas to compare insurance prices online. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the best prices are with the smaller companies.

More tips and info about insurance can be found by following these links: