2018 Buick Encore Insurance Cost – 6 Savings Tips

Are you burned out from sacrificing other expenses to buy car insurance? You are no different than most other drivers.

With drivers having so many insurance companies to choose from, it can be challenging to find the lowest price car insurance provider.

You need to do rate comparisons once or twice a year because car insurance prices change quite often. Just because you found the best price on Encore insurance two years ago you can probably find a better rate quote now. Ignore everything you know about car insurance because you’re about to learn the fastest and easiest way to find great coverage at a great price.

Low cost insurance prices

When shopping for cheap insurance coverage quotes, there are a couple of ways to compare rate quotes from different insurance companies. The easiest way by far to find affordable 2018 Buick Encore insurance rates is to jump online and get quotes. This can be accomplished in a couple minutes as outlined below.

The easiest and least time consuming way to get quotes is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing repetitive form submissions for each company. A single form gets coverage cost estimates from multiple low-cost companies.

A harder way to compare prices requires you to visit the website of each company and request a quote. For example, let’s assume you want to compare Geico, Allstate and Farmers. In order to compare rates, you need to take the time to go to each site and repeatedly enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Even if you have time, the least recommended method to get comparison rates is making phone calls or going to local insurance agencies. Doing it all online can eliminate the need for a local agent unless you require the professional abilities only provided by licensed agents. You can, however, find lower rates online but have your policy serviced through an agent.

The approach you take is up to you, just be sure to compare exactly the same information on every quote. If your comparisons have higher or lower deductibles you can’t possibly find the best deal for your Buick Encore. Having just a slight variation in limits could mean much higher rates. Keep in mind that comparing all the rates in your area will improve the odds of getting more affordable rates. Not every company allows you to get online rate quotes, so it’s important to also get price estimates on coverage from those companies, too.

Auto insurance companies offer lots of discounts

Some providers do not list the entire discount list very well, so the following list contains both the well known in addition to some of the lesser obvious ways to save on auto insurance.

  • Early Renewal Discounts – Select companies give a discount for buying a policy prior to your current policy expiring. This discount can save up to 10%.
  • No Accidents – Drivers with accident-free driving histories pay much less when compared to insureds who have frequent claims or accidents.
  • Home Ownership Discount – Just being a homeowner can earn you a little savings since owning and maintaining a home requires personal responsibility.
  • Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease on Encore insurance with some auto insurance companies.
  • Senior Discount – Older drivers can possibly qualify for lower premium rates on Encore insurance.
  • Telematics Discount – Drivers that enable driving data collection to analyze driving patterns by using a telematic data system such as Progressive’s Snapshot could save a few bucks as long as the data is positive.

You should keep in mind that some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will definitely reduce the premium cost.

For a list of auto insurance companies with discount auto insurance rates, click this link.

Do I just need basic coverages?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might help in determining if your situation may require specific advice.

  • Am I covered when pulling a rental trailer?
  • What is no-fault insurance?
  • Does liability extend to a camper or trailer?
  • What is roadside assistance coverage?
  • Is a fancy paint job covered?
  • When should I drop full coverage on my 2018 Buick Encore?
  • Is a blown tire covered by insurance?
  • How much can I save by bundling my policies?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Car insurance myths debunked

Big name companies like State Farm and Allstate seem to constantly run ads on television and other media. They all try to convey promises about saving some big amount if you get a free insurance coverage quote and switch to their company. But how can every company charge you a lower premium? Just pay attention to how they say it.

All companies have an ideal profile for a prospective insured that will be a good risk. For example, a driver they prefer might have to be over the age of 40, owns a home, and drives a car with an anti-theft system. Any new insured that fits those parameters will get low prices and most likely will save money with a new company.

Potential insureds who don’t measure up to the ideal profile will see a higher rate and ends up with the customer not purchasing. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” save the amount stated. This is how companies can make claims that they all have the best premium rates.

This really drives home the point why you should compare many company’s premium rates. Because you never know which car insurance company will have the lowest auto insurance rates for your situation.

Auto insurance coverages

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills like hospital visits, surgery and pain medications. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Encore.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision protection

Collision insurance will pay to fix damage to your Encore resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, hail damage and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, medical expenses, attorney fees, legal defense fees and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Better coverage you can count on

Discount 2018 Buick Encore insurance can be found both online and with local insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies only sell through independent insurance agencies.

Throughout this article, we presented a lot of tips how to reduce 2018 Buick Encore insurance prices online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest priced insurance coverage comes from some of the smallest insurance companies. They may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

Much more information about insurance coverage is available below: