2016 Buick Verano Insurance Quotes

Want lower auto insurance rates for your Buick Verano? Did a good deal turn into overpriced auto insurance? Trust us, there are lots of people in the same boat. Many insurance companies compete to insure your vehicles, so it’s not easy to compare every insurer to find the lowest rate

If you are insured now or are shopping for new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Finding the best rates is quite easy. Drivers only need to know the proper methods to buy car insurance on the web.

Cheap auto insurance quotes online

Comparing auto insurance rates is a ton of work if you aren’t aware of the easiest way. You can waste hours talking to local insurance agents in your area, or you could use online quoting to maximize your effort.

Many popular insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and every company returns a rated price for coverage. This saves time by eliminating quote requests for each company.

To access this free quoting program, click to open in new window.

The one disadvantage to pricing coverage this way is that consumers can’t choose which carriers you want pricing from. So if you want to select from a list of companies for rate comparison, we have a page of auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, do your best to use apples-to-apples coverage information for each comparison quote. If you have different coverage information you will not be able to decipher which rate is best.

Tailor your insurance coverage coverage to you

When choosing coverage, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • Which is better, split liability limits or combined limits?
  • Should I carry comprehensive and collision coverage?
  • When does my teenage driver need to be added to my policy?
  • Where can I get insurance after a DUI in my state?
  • When should I drop full coverage on my 2016 Buick Verano?
  • Am I covered if I crash into my own garage door?
  • If my 2016 Buick Verano is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance coverage considerations

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2016 Buick Verano.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance

Liability coverage protects you from damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as pain and suffering, attorney fees, court costs, structural damage and loss of income. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for things like falling objects, a broken windshield, hitting a deer, fire damage and rock chips in glass. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like hospital visits, ambulance fees, doctor visits and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision protection

Collision coverage pays for damage to your Verano resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, crashing into a building, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.