Cheap 2018 Buick Encore 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: Jun 9, 2024

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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There isn’t a single person who likes having to buy insurance, in particular when they could find better rates elsewhere. Big companies like Allstate, Liberty Mutual and State Farm constantly bombard you with catchy ads and it is difficult to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

How to lower your insurance premiums

The best way to find cheaper car insurance is to take a look at the factors that help calculate your premiums. If you know what influences your rates, this enables informed choices that can help you get lower rates.

  • Use but don’t abuse your insurance – If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies award better rates to drivers who do not rely on their insurance for small claims. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • Cheaper car insurance rates with safer cars – Cars with high safety ratings can get you lower premiums. Safer cars reduce occupant injuries and fewer serious injuries means less money paid by your insurance company and thus lower rates.
  • Liability coverage limits should be high – The liability section of your policy will protect you if you are found to be at fault for damages caused by your negligence. Liability provides you with a defense in court to defend your case. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Insurance rates in urban areas – Choosing to live in areas with lower population is a positive aspect when it comes to car insurance. Urban drivers regularly have more aggressive driving styles and higher rates of accident claims. Less people means less chance of accidents.
  • Your spouse saves you money – Having a spouse may save some money on your policy. It is viewed as being more financially stable and insurance companies like that married drivers tend to have fewer serious accidents.
  • Youthful drivers pay more – More experienced drivers are shown to be more cautious, are lower risk to insure . Teen drivers are statistically proven to be easily distracted behind the wheel and because of this, their car insurance rates are much higher.
  • Tickets mean higher premiums – Good drivers have lower premiums than their less careful counterparts. Having a single driving citation can increase the cost of insurance by as much as twenty percent. Drivers with dangerous tickets like DUI or reckless driving may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state in order to continue driving.
  • Are you male or female? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Females and males cause auto accidents at a similar rate, but the male of the species cause more damage. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving. Male teenagers are most likely to cause an accident and are penalized with high car insurance rates.

Low cost auto insurance prices

Most companies such as GEICO, State Farm and Progressive allow you to get prices online. Getting online rates is pretty easy because you just enter your required coverages into the form. After the form is submitted, the company’s rating system orders your driving and credit reports and quotes a price based on many factors. This makes it easy to compare insurance prices but the work required to visit several different sites and type in your information is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you want to get the best price possible.

The quickest way to find lower prices uses one form to return rates from several companies at one time. It saves time, eliminates repetitive work, and makes online quotes much easier. Once the form is submitted, it gets priced and you can choose any one of the pricing results.

If a lower price is quoted, you can click and sign and buy the new coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

If you want to fill out one form to compare multiple rates now, simply enter your zip code here and enter your information. To compare your current rates, we recommend you input the limits and deductibles exactly as shown on your declarations page. This guarantees you are getting comparison quotes using the exact same coverages.

Save with these money-saving discounts

Insurance can cost an arm and a leg, but there are discounts available that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of purchase, but some must be asked for before you will receive the discount.

  • Pay Early and Save – By making one initial payment instead of making monthly payments you may reduce your total bill.
  • Discount for Low Mileage – Driving less could earn slightly better premium rates than normal.
  • Paperless Signup – Certain auto insurance companies may give you up to $50 get insurance on your computer.
  • Mature Driver Discount – Drivers over the age of 55 can get a slight reduction on a insurance quote for Encore insurance.
  • Discount for Home Ownership – Owning a home can earn you a little savings because of the fact that having a home requires a higher level of personal finance.
  • Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
  • Auto/Home Discount – When you have multiple policies with one company they may give you a discount of approximately 10% to 15%.
  • Military Discounts – Being deployed in the military could trigger a small discount.

While discounts sound great, it’s important to understand that some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

A list of auto insurance companies and a partial list of their discounts can be found below.

  • Progressive has discounts for homeowner, good student, multi-vehicle, continuous coverage, multi-policy, online quote discount, and online signing.
  • The Hartford policyholders can earn discounts including defensive driver, driver training, air bag, bundle, vehicle fuel type, good student, and anti-theft.
  • Mercury Insurance offers discounts for good driver, good student, type of vehicle, annual mileage, and multi-car.
  • GEICO may include discounts for five-year accident-free, federal employee, military active duty, good student, and driver training.
  • AAA includes discounts for good driver, anti-theft, multi-policy, good student, and AAA membership discount.
  • State Farm may offer discounts for multiple policy, student away at school, anti-theft, driver’s education, and passive restraint.

Before purchasing a policy, check with each company how many discounts you can get. All car insurance discounts may not apply in your state. To see a list of auto insurance companies who offer online auto insurance quotes, enter your zip code here.

Do I need special coverages?

When buying coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique and your policy should reflect that. These are some specific questions could help you determine whether you might need professional guidance.

  • How high should my medical payments coverage be?
  • Is my teen driver covered when they drive my company car?
  • Do I need special endorsements for business use of my vehicle?
  • When should I not file a claim?
  • Do I need replacement cost coverage on my 2018 Buick Encore?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my camper covered by my car insurance policy?
  • What is PIP insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance policy specifics

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

Collision coverage – This coverage will pay to fix damage to your Encore resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a parking meter, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, theft, damage from getting keyed, hitting a bird and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as X-ray expenses, ambulance fees, doctor visits, EMT expenses and chiropractic care. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability – Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, legal defense fees and court costs. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

A penny saved is a penny earned

There are still a few companies who do not offer online price quotes small, regional companies only sell through independent agents. Cheaper insurance is possible on the web as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection.

When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. In many cases, someone sacrificed liability limits or collision coverage and learned later that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford but still have enough coverage for asset protection.

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