2016 Buick Envision Car Insurance Cost – 10 Tips for Best Prices

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, you’re not alone.

You have so many insurers to pick from, and although it’s nice to be able to choose, so many choices can make it hard to find the lowest cost provider.

It is always a good idea to take a look at other company’s rates occasionally due to the fact that insurance rates go up and down regularly. If you had the best deal for Envision insurance six months ago you will most likely find a better rate today. Starting right now, ignore everything you know about auto insurance because you’re going to get a crash course in the things you must know in order to save on auto insurance.

Lower rates by qualifying for these ten discounts

Insurance can cost an arm and a leg, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but a few must be asked about before you get the savings.

  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Envision insurance than less cautious drivers.
  • Auto/Home Discount – If you have multiple policies with one company you will save at least 10% off all policies.
  • Save over 55 – Older drivers may receive reduced rates for Envision insurance.
  • Memberships – Belonging to a civic or occupational organization may earn a discount on your policy for Envision insurance.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • No Charge for an Accident – Certain companies permit an accident without raising rates if your claims history is clear for a certain period of time.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • No Claims – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.

It’s important to understand that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you could get a free insurance policy, you won’t be that lucky. Any qualifying discounts will reduce your premiums.

Companies that may have these money-saving discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts they offer. Some discounts may not apply in your area.

Comprehensive Insurance Comparison

Most companies such as Allstate, Geico and Progressive give prices for coverage online. Getting online rates doesn’t take a lot of time as you simply enter the coverages you want into a form. Once you submit the form, their rating system pulls your driving record and credit report and provides a quote based on these and other factors. This makes comparing rates easy, but the time it takes to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible in order to get better insurance pricing.

A quicker way to get multiple rate quotes uses one form to obtain quotes from several different companies. This type of form saves time, reduces the work, and makes rate comparisons much simpler. Immediately after you send the form, your coverage is rated and you can choose your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To save time and find out how much you can save on insurance, click here and submit the form. If you have coverage now, it’s recommended you type in coverages and limits just like they are on your policy. This guarantees you will have rate comparison quotes for exact coverage.

Car insurance is unique, just like you

When choosing the best auto insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • When should I not file a claim?
  • Is my nanny covered when driving my vehicle?
  • Am I insured when driving a different vehicle?
  • Are split liability limits better than a combined single limit?
  • What is the difference between comprehensive and collision coverage?
  • Should I sign the liability waiver when renting a car?
  • Do I have coverage if my license is suspended?
  • Can I rent a car in Mexico?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, rock chips in glass and hail damage. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you 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 2016 Buick Envision.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance covers damage to your Envision resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, rolling your car, backing into a parked car, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like X-ray expenses, surgery, rehabilitation expenses and nursing services. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability

Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as loss of income, bail bonds, medical expenses and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

A penny saved is a penny earned

Lower-priced 2016 Buick Envision insurance is attainable online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance coverage companies may not provide online quoting and these small insurance companies work with independent agents.

We covered many tips how you can compare insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

Much more information about insurance coverage can be found below: