2012 Buick Verano Car Insurance Quotes in 2024

Trying to come up with a payment for expensive car insurance can sap your savings account and maybe even restrict other spending. Comparison shopping can save money and help to slash your bill and have more disposable income.

Popular companies such as State Farm, Progressive and GEICO persistently shower you with fancy advertisements and it can be hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

It’s smart to get comparison quotes before your next renewal due to the fact that insurance prices are adjusted regularly by insurance companies. If you had the best price for Verano insurance a year ago there is a good chance you can find better rate quotes now. There are a lot of ways to save on car insurance on the web, but you can learn the best ways to put money back in your pocket.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these methods. Buying car insurance is not rocket science. But car owners must know how big insurance companies sell insurance online and take advantage of how the system works.

How car insurance companies calculate Buick Verano insurance costs

Many factors are used in the calculation when pricing auto insurance. Most are fairly basic like an MVR report, but others are not quite as obvious like where you live or how safe your car is.

The itemized list below are some of the major factors used by insurance companies to determine premiums.

• Discounts for multiple policies – Lots of auto insurance companies will give lower prices to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount applied, it’s always a smart idea to get quotes from other companies to ensure the best deal.
• File claims and pay more – If you file a lot of claims you should expect higher rates. Insurance companies generally give better rates to insureds who only file infrequent claims. Your car insurance is intended to be relied upon for larger claims.
• Safer vehicles mean better rates – Safer cars tend to have better insurance rates. These vehicles reduce injuries and better occupant protection translates directly to fewer claims and more competitive rates for policyholders.
• Big cities mean more claims – Having an address in a small town can be a good thing when buying auto insurance. Residents of big cities have to deal with more road rage incidents and longer commute times. Less people living in that area means fewer accidents.
• Gender matters – Over time, data shows women tend to be less risk to insure than men. This data doesn’t prove that females are better at driving than males. Both sexes have auto accidents at a similar rate, but the male of the species have costlier accidents. Not only that, but men also get more serious tickets like reckless driving and DUI. Young males are several times more likely to be in an accident and are penalized with high auto insurance rates.
• Single vs. married – Having a wife or husband may save some money on your auto insurance bill. Having a significant other may mean you are more mature and responsible and it’s proven that married couples file fewer claims.

Do you qualify for discounts?

Some companies don’t necessarily list every discount available in a way that’s easy to find, so the next list breaks down both the well known in addition to some of the lesser obvious credits that may apply to you. If you’re not getting every credit available, you may be paying too high a price.

• Telematics Discount – Drivers who agree to allow driving data collection to scrutinize driving patterns through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
• College Student – who live away from home at college and do not take a car to college could get you a discount.
• Theft Deterrent System – Cars and trucks that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
• Homeowners Discount – Just owning your own home can get you a discount since owning and maintaining a home requires a higher level of personal finance.
• Driver Education Discount – Have your child take driver’s ed class as it can save substantially.
• Air Bag Discount – Factory air bags and/or automatic seat belt systems could see savings up to 30%.
• Defensive Driver Discount – Passing a defensive driving class could earn you a small percentage discount and easily pay for the cost of the class.
• Fewer Miles Equal More Savings – Fewer annual miles on your Buick can qualify you for lower insurance rates due to less chance of an accident.

It’s important to understand that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride.

Auto insurance companies that may include most of the discounts above include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

It’s a good idea to ask each insurance company what discounts are available to you. Depending on the company, some discounts might not be available to policyholders in your area. If you would like to choose from a list of companies with the best insurance discounts, enter your zip code here.

Don’t assume everyone needs the same auto insurance coverage

When choosing proper insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining if you will benefit from professional help.

• Should I put collision coverage on all my vehicles?
• Is business property covered if stolen from my car?
• Can I afford to buy a different vehicle if my 2012 Buick Verano is totaled?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered when using my vehicle for business?
• Should I sign the liability waiver when renting a car?
• Am I covered if I hit a deer?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Coverages available on your auto insurance policy

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Liability – This coverage will cover damage or injury you incur to other people or property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like attorney fees, medical expenses and loss of income. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from getting keyed and vandalism. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – Collision insurance will pay to fix damage to your Verano caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, driving through your garage door, colliding with another moving vehicle, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Verano.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills like chiropractic care, nursing services, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Online plus local equals savings

There are still a few companies who may not provide online price quotes and most of the time these regional carriers only sell through independent insurance agents. Lower-priced car insurance is attainable both online and from local agencies, so you need to compare both to have the best chance of lowering rates.

We just presented a lot of ways to reduce 2012 Buick Verano insurance premium rates online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheap car insurance. Consumers could even find that the biggest savings come from the least-expected company. Regional companies often have lower prices on specific markets compared to the large companies like Progressive and GEICO.