Lower Your 2013 Buick Verano Car Insurance Cost

Wish you could get out of an expensive auto insurance policy? You’re preaching to the choir because there are a lot of people just like you who feel imprisoned by their auto insurance policy.

There is such a variety of insurers to choose from, and although it’s nice to have a choice, it makes it harder to compare company pricing.

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you quote, but lesser-known reductions have to be specifically requested prior to receiving the credit.

• 55 and Retired – Older drivers can get lower premium rates for Verano insurance.
• Resident Student – Any of your kids who live away from home at college and leave their car at home may qualify for this discount.
• Discount for Swiching Early – Some larger companies provide a discount for switching to them before your current coverage expires. Ten percent is about the average savings.
• Waiver for an Accident – This one isn’t a discount, but a few companies such as State Farm and Progressive permit an accident without raising rates with the catch being you have to be claim-free before the accident.
• Service Members Pay Less – Being deployed in the military could be rewarded with lower rates.
• Paperless Signup – Some larger companies will give you a small discount simply for signing on their website.
• Pay Early and Save – By paying your entire bill at once rather than spreading payments over time you could save up to 5%.
• Defensive Driving Course – Passing a class that teaches defensive driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
• Good Grades Discount – Excelling in school could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.

Remember that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

Some of the larger companies that may have most of these discounts include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

If you are trying to find inexpensive insurance quotes, ask all the companies which discounts you qualify for. All car insurance discounts may not apply to policyholders in your state. If you would like to view insurance coverage companies with discount insurance coverage rates, click here to view.

Buick Verano insurance premium factors

It’s important that you understand some of the factors that go into determining insurance rates. When consumers understand what determines base rates, this allows you to make educated decisions that may result in lower insurance prices.

• The more you drive the more you pay – The more you drive annually the higher the price you pay to insure it. The majority of insurers apply a rate based upon how much you drive. Autos that are left in the garage receive lower rates than vehicles that have high annual mileage. Make sure your insurance declarations sheet is rated on the correct driver usage, because improper ratings can cost you money. An improperly rated Verano is throwing money out the window.
• Having a spouse can save on insurance – Your spouse may earn you lower rates on your policy. It may mean you are more responsible and statistics show married drivers tend to file fewer claims.
• Insurance companies don’t like frequent policy claims – Companies provide the best rates to drivers who file claims infrequently. If you are a frequent claim filer, you can expect higher rates. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Vehicle options that cut prices – Choosing to buy a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent vehicle theft.
• Men drivers tend to cost more – Statistics show that females tend to be a little less risky than males. The data does not necessarily mean that men are WORSE drivers than women. Men and women cause fender benders in similar numbers, but males tend to have higher claims. Not only are claims higher, but men have more aggressive citations such as DWI and reckless driving.

Insurance is unique, just like you

When choosing the best insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions might help in determining if your situation may require specific advice.

• Do I need roadside assistance coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• If my 2013 Buick Verano is totaled, can I afford another vehicle?
• Am I covered when pulling a rental trailer?
• What should my uninsured motorist coverage limits be in my state?
• I don’t drive much so do I pay less?
• Do all my vehicles need collision coverage?
• How do I insure my teen driver?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Learn about auto insurance coverages for a Buick Verano

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on the average auto insurance policy.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, hitting a bird and rock chips in glass. The maximum payout 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 consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Buick Verano.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Collision protection

Collision insurance pays for damage to your Verano resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as prosthetic devices, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability

Liability insurance can cover damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

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 translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like repair bills for other people’s vehicles, court costs, medical services, funeral expenses and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

More choices the merrier

When searching for low cost insurance quotes, never buy less coverage just to save a little money. Too many times, someone sacrificed collision coverage only to regret that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best price and still be able to protect your assets.

In this article, we presented a lot of ways to lower your 2013 Buick Verano insurance prices. The most important thing to understand is the more you quote insurance, the higher the chance of saving money. Drivers may discover the lowest prices come from the smaller companies. These companies can often provide lower rates in certain areas than their larger competitors like Progressive or Geico.

Lower-priced 2013 Buick Verano insurance is possible on the web in addition to many insurance agents, so you need to shop insurance with both to have the best chance of lowering rates. Some insurance coverage companies may not offer online price quotes and these small insurance companies provide coverage only through independent agencies.

More learning opportunities

• Think You’re a Safe Driver? (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Booster Seat Ratings (iihs.org)
• Child Safety FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)