Lower Your 2013 Buick Verano Insurance Cost

Want lower insurance coverage rates for your Buick Verano? Have you fallen victim to high-priced insurance coverage? Believe me, you are not the only one feeling buyer’s remorse. Since consumers have many insurance providers from which to choose, it’s nearly impossible to find the cheapest insurer.

How to Compare Insurance Costs

There are multiple methods to shop for 2013 Buick Verano insurance, but there is one way that is more efficient than others. You could spend your day driving to local insurance agents in your area, or you could use online quotes to maximize your effort.

Many companies participate in an industry program that allows shoppers to submit one quote, and each participating company provides a quote based on that information. This prevents consumers from doing quote forms to every company.

To participate in this free quote system, click to open in new window.

The only drawback to comparing rates this way is you can’t choose which companies you want pricing from. So if you want to select from a list of companies to compare, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but compare exactly the same coverages and limits on every quote. If you enter different values for each quote it will be impossible to determine which rate is truly the best.

Discounts are available to cut your rates

Auto insurance companies do not advertise all their discounts in an easy-to-find place, so we researched some of the best known and the more hidden discounts you could be receiving. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Multiple Cars – Buying insurance for all your vehicles on the same car insurance policy qualifies for this discount.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • No Charge for an Accident – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Some only apply to individual premiums such as medical payments or collision. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.

Insurance companies that may have these benefits may include but are not limited to:

Double check with all companies you are considering which discounts they offer. Savings might not apply in your state.

Everyone needs different coverages

When choosing the best insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Are rental cars covered under my policy?
  • Can I afford to buy a different vehicle if my 2013 Buick Verano is totaled?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I get collision insurance on every vehicle?
  • Will my insurance pay for OEM parts?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your insurance policy

Having a good grasp of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Collision coverage protection

This coverage covers damage to your Verano caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, colliding with a tree, sideswiping another vehicle, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

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

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as prosthetic devices, ambulance fees, rehabilitation expenses, EMT expenses and surgery. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for liability

This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as structural damage, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, vandalism, hitting a deer and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.