How Much Does 2019 Buick Encore Insurance Cost in 2024?

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

If you’re trying to find cheaper insurance online, are you intimidated by the wide range of insurance coverage sources available to you? Many other drivers are as well. vehicle owners have such a vast assortment of sources available that it can really be a ton of work to find better insurance coverage rates.

Discounts for cheaper insurance coverage rates

Companies offering auto insurance don’t always publicize every available discount very well, so the next list breaks down some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • New Vehicle Savings – Insuring a new car may earn a small discount since newer models are generally safer.
  • Discount for Life Insurance – Some insurance coverage companies give a discounted price on car insurance if you buy a life policy as well.
  • Early Signing – A few insurance coverage companies offer discounts for buying a policy prior to your current policy expiring. You can save around 10% with this discount.
  • Active Military Service – Having a deployed family member can result in better prices.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
  • Bundle and Save – If you combine your home and auto policies with one insurance company you may save as much as 10 to 15 percent.
  • Discount for Home Ownership – Just owning your own home can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
  • Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Discounts for Safe Drivers – Insureds who avoid accidents could pay up to 40% less for Encore insurance compared to accident prone drivers.

Please keep in mind that most credits do not apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, companies don’t profit that way.

Insurance companies that possibly offer most of the discounts above include:

  • MetLife
  • State Farm
  • Progressive
  • Mercury Insurance
  • 21st Century
  • Allstate

Before buying, ask all the companies which discounts you qualify for. Some discounts listed above may not be offered in your area.

How to compare free auto insurance quotes

All the larger auto insurance companies such as State Farm, Allstate and GEICO allow consumers to get prices on the web. Getting quotes is pretty easy as you simply type in the coverages you want as requested by the quote form. Upon sending the form, the system will obtain your driving and credit reports and quotes a price based on the information you submitted.

Online quotes makes comparing rates easy, but the work required to visit several different sites and type in your information can be a bit tiresome and repetitive. But it’s necessary to compare as many rates as possible if you want to find the best price on auto insurance.

A better way to find cheaper rates uses one form to return rates from several companies at one time. It saves time, requires less work, and makes comparison shopping much simpler. Once the form is submitted, it is rated and you can choose any one of the price quotes you receive.

If you find a better price you simply finish the application and buy the policy. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

In order to find out how much you can save on auto insurance, simply enter your zip code here and submit the form. If you have a policy now, it’s recommended you type in coverages and limits just like they are on your policy. This makes sure you will receive a price comparison for the exact same coverage.

Five tips to get more affordable insurance costs

An important part of buying insurance is that you know some of the factors that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that will entitle you to better car insurance rates.

  • Get married and get better rates – Being married actually saves money on your car insurance bill. It usually means you are more mature and insurance companies reward insureds because married couples file fewer claims.
  • Where you live factors in – Choosing to live in a rural area can be a good thing when it comes to car insurance. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft.
  • Liability coverage is important – Liability insurance provides coverage when you are determined to be liable for personal injury or accident damage. It will provide legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Decrease prices by maintaining coverage – Driving your car without having proper coverage can get your license suspended and any future policy may cost more because you let your coverage lapse. Not only will you pay higher rates, not being able to provide proof of insurance may earn you fines and jail time. Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Five star crash test rating saves money – Safer cars are cheaper to insure. Safe vehicles result in less severe injuries and fewer serious injuries means lower claim amounts and more competitive rates for policyholders. If your Buick Encore has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

You may need specialized car insurance coverage

When it comes to buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.

  • What if I don’t agree with a claim settlement offer?
  • Are rock chip repairs covered?
  • What discounts do I qualify for?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I get a multi-policy discount?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, take a second and enter your zip code.

Auto insurance coverages

Understanding the coverages of car insurance can help you determine the best coverages for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, rock chips in glass, a broken windshield and falling objects. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

This will pay to fix damage to your Encore resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, scraping a guard rail, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, nursing services, dental work, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for liability

This coverage will cover damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and 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 like medical expenses, funeral expenses and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liability limits.

More quotes mean more savings

We’ve covered a lot of tips how to save on 2019 Buick Encore insurance. It’s most important to understand that the more you quote auto insurance, the better your comparison will be. Drivers may discover the lowest car insurance rates are with the least-expected company.

More affordable auto insurance can be sourced from both online companies as well as from insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not provide price quotes online and usually these regional carriers sell through independent agents.

Consumers switch companies for any number of reasons including policy cancellation, being labeled a high risk driver, delays in paying claims or even policy non-renewal. It doesn’t matter why you want to switch switching auto insurance companies is pretty easy and you might even save some money in the process.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles