Cheapest 2013 Buick Encore Insurance Rates in 2023
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UPDATED: May 12, 2022
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Trying to find cheaper auto insurance rates for your Buick Encore? Nobody likes having to buy auto insurance, particularly when the cost is way too high.
Because you have many choices, it can be challenging to choose the lowest cost company.
It’s a good habit to do rate comparisons before your policy renews because prices change quite often. Even if you got the lowest rates on Encore insurance a year ago the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the easiest way to remove unneeded coverages and save money.
Pay less for Buick Encore insurance
Companies offering auto insurance do not advertise all available discounts very well, so we researched some of the more common and also the lesser-known ways to save on auto insurance.
- Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiration. It can save you around 10%.
- Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save approximately 10% to 15%.
- Paperless Signup – Certain companies will discount your bill up to fifty bucks just for signing your application on their website.
- Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
- Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
- Military Rewards – Having a deployed family member can result in better rates.
- Safety Course Discount – Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
Keep in mind that some of the credits will not apply the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
Insurance companies that may have these benefits include:
Check with each company which discounts you may be entitled to. Some discounts may not be available in every state.
Buick Encore premiums are determined by many factors
Smart consumers have a good feel for the different types of things that help determine your auto insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.
The following are a few of the “ingredients” used by your company to calculate rates.
- Marriage brings a discount – Having a spouse actually saves money on auto insurance. It translates into being more mature and responsible and statistics show married drivers get in fewer accidents.
- Men pay higher rates – Statistics show women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Women and men are in accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.
- Optional equipment can affect rates – Owning a car with an alarm system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
- Your job and insurance rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as doctors, business owners and dentists are shown to have the highest average rates in part from stressful work requirements and lengthy work days. Other occupations like scientists, historians and performers pay the least on Encore insurance.
- Don’t get talked into coverage you don’t need – There are many add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages like vanishing deductibles, accidental death and additional equipment coverage may be wasting your money. They may seem like a good idea at first, but now you might not need them so get rid of them and save.
- Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. Safer cars protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates. If your Buick Encore scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
- Careful drivers pay lower rates – Even a single speeding ticket can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to continue driving.
- How many coverages with the same company – Most auto insurance companies provide better rates to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare rates to confirm you are receiving the best rates possible.
Tailor your coverage to you
When buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you might need professional guidance.
- Who is covered by my policy?
- Can I rate high risk drivers on liability-only vehicles?
- Is my nanny covered when driving my vehicle?
- What is no-fault insurance?
- How can I get my company to pay me more for my totalled car?
- Am I covered if I break a side mirror?
- Is my teen driver covered when they drive my company car?
- Should I buy additional glass protection?
If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.
Car insurance coverage information
Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.
Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three 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 $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims such as funeral expenses, medical services and attorney fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.
Protection from uninsured/underinsured drivers
This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Buick Encore.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for dental work, funeral costs, ambulance fees and surgery. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision can pay for things like driving through your garage door, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.
Comprehensive (Other than Collision)
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as theft, rock chips in glass, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Do the work, save more money
We just covered a lot of tips how to lower your 2013 Buick Encore insurance rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.
When shopping online for insurance coverage, never buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
More information can be found below:
- Speed and Speed Limit FAQ (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)
- Eight Auto Insurance Myths (Insurance Information Insitute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- State Car Insurance Guides (GEICO)
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