Lower Your 2018 Buick Cascada Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 30, 2024

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No car owner likes buying insurance coverage, especially when they could find better prices if they shop around.

Companies like GEICO, 21st Century and Progressive constantly bombard you with catchy ads and it is difficult to see past the corporate glitz and take the time to shop coverage around.

It’s a great practice to do price comparisons as often as possible due to the fact that insurance prices tend to go up over time. Just because you found the best rates on Cascada coverage six months ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.

Insurance premium influencing factors

Many different elements are considered when pricing auto insurance. Some of the criteria are obvious such as your driving history, but others are not quite as obvious such as your marital status or how safe your car is. Consumers need to have an understanding of the factors that go into determining insurance rates. If you have some idea of what influences your rates, this allows you to make educated decisions that may reward you with lower premium levels.

Shown below are some of the most rate-impacting factors used by your company to calculate your prices.

  • Prevent your car from being stolen – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.
  • Lower rates for married couples – Being married can actually save you money on your insurance bill. Having a significant other generally demonstrates drivers are more financially stable and it’s statistically proven that being married results in fewer claims.
  • Is you employer costing you more? – Occupational choices like real estate brokers, police officers and stock brokers generally pay higher premiums than the average policyholder attributed to high stress levels and lengthy work days. Other occupations like actors, historians and retirees have lower than average premiums on Cascada coverage.
  • Safeguard your assets with liability – The liability coverage on your policy provides coverage if you are ruled to be at fault for physical damage or personal injury to other. It provides for a legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.
  • How do annual miles impact rates? – Driving a lot of miles annually the more you will pay for insurance. Almost all companies charge rates determined by how the vehicle is used. Autos that have low annual miles can be on a lower rate level as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your insurance declarations sheet properly reflects the right rating data, because improper ratings can cost you money. A policy that improperly rates your Cascada can result in significantly higher rates.
  • Age of drivers – More mature drivers have been proven to be more responsible, statistically cause fewer accidents and are safer drivers. Drivers with little experience have a tendency to be more careless when driving so insurance rates are higher.
  • Policy claims cost money – If you are the type of insured that files lots of claims you shouldn’t be surprised to get either higher rates or even cancellation. Auto insurance companies provide cheaper rates to drivers who do not file claims often. Insurance coverage is meant to be used in the event of claims that pose a financial burden.

How to buy insurance coverage online

Performing a rate comparison can be exhausting if you don’t understand the most efficient way to do it. You can waste hours discussing policy coverages with insurance companies in your area, or you could use online quoting for quick rates.

Many popular insurance companies belong to an insurance system that enables customers to submit their information once, and at least one company returns a competitive quote determined by their information. This system prevents you from having to do repetitive form submissions to each company.

To compare rates now enter your zip code here.

One minor caveat to using this type of form is you cannot specify which insurance companies to get pricing from. So if you prefer to choose specific insurance companies to compare, we have a page of the cheapest insurance coverage companies in your area. Click to enter zip code.

You can choose any of those ways to find more affordable coverage, but ensure you are comparing identical quote data on every price quote you get. If you have differing limits it will be nearly impossible to determine which company has the best rates. Having just a slight variation in coverages can result in a big premium difference. And when comparing insurance coverage rates, know that comparing more rates from different companies helps increase your odds of locating better pricing.

Take advantage of with these discounts

Auto insurance is expensive, but there could be available discounts that you may not even be aware of. Most are applied at quote time, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
  • Multi-policy Discount – If you can bundle your auto and homeowners insurance with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • Passive Restraints and Air Bags – Options like air bags can get savings of 20% or more.
  • Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a discounted price on car insurance if you buy auto and life insurance together.
  • E-sign Discounts – A handful of larger companies give back up to $50 for buying your policy digitally online.
  • Cautious Driver Discounts – Insureds who avoid accidents could pay up to 40% less on Cascada coverage than drivers with accidents.
  • Theft Deterrent System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your car insurance quote.
  • Good Student – Being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
  • Discount for Switching Early – Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Save over 55 – If you’re over the age of 55, you may qualify for a small decrease in premiums on Cascada coverage.

Don’t be surprised that some of the credits will not apply to the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any amount of discount will help lower your policy premium.

Large auto insurance companies and a selection of discounts can be found below.

  • American Family may have discounts that include bundled insurance, good driver, early bird, defensive driver, accident-free, and multi-vehicle.
  • State Farm discounts include accident-free, safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, student away at school, and multiple autos.
  • 21st Century offers discounts including early bird, defensive driver, air bags, driver training, and theft prevention.
  • Travelers includes discounts for new car, early quote, save driver, student away at school, payment discounts, multi-policy, and home ownership.
  • GEICO offers premium reductions for emergency military deployment, defensive driver, daytime running lights, federal employee, and military active duty.

When getting a coverage quote, ask every company the best way to save money. All car insurance discounts might not be offered on policies in your area.

Your situation helps dictate your coverage

When it comes to buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can aid in determining whether you might need an agent’s assistance.

  • How much liability coverage do I need in my state?
  • Which companies will insure high-risk drivers?
  • Does liability extend to a camper or trailer?
  • Do I need special endorsements for business use of my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Is business property covered if stolen from my car?
  • How do I file an SR-22 for a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and enter your zip code.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on most car insurance policies.

Collision – Collision coverage will pay to fix damage to your Cascada caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, hitting a bird, vandalism and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage – Liability insurance provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, medical services, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like surgery, funeral costs and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

A penny earned…

We just covered a lot of tips how to shop for 2018 Buick Cascada insurance online. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates are with some of the smallest insurance companies. They may have significantly lower premium rates on certain market segments than their larger competitors like State Farm and Allstate.

When getting car insurance quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced physical damage coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at the best possible price, but do not skimp to save money.

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