2021 Buick Encore Insurance Quotes in 2024 – 10 Discounts for Best Rates

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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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Searching for better auto insurance rates for your Buick Encore? Locating better insurance prices for a Buick Encore can normally be an all-consuming task, but you can use our auto insurance buying tips to make it easier.

There is a better way to buy auto insurance so you’re going to learn the proper way to get price quotes for your Buick and get the best price possible from local insurance agents and online providers.

It is always a good idea to shop coverage around occasionally because insurance rates fluctuate regularly. If you had the best premium rates on Encore coverage a year ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re going to learn the things you must know in order to save on auto insurance.

Compare free auto insurance price quotes

Cutting your auto insurance rates is pretty simple and can save money. You just have to spend a few minutes on the computer comparing price quotes from some recommended companies. Price comparisons can be done using one of these methods.

  1. The most efficient way consumers can make multiple comparisons is to use a rate comparison form. This type of form saves time by eliminating separate forms for every prospective company. Completing one form will get you rate comparisons from several companies. It’s the fastest way to compare.
  2. Another way to find lower rates is going to the website for every company you want to compare and go through the quote process again. For sake of this example, we’ll assume you want rates from Nationwide, Liberty Mutual and GEICO. You would need to navigate to each company’s site to input your insurance information, which is not fast way to get rate quotes.

It doesn’t matter which method you choose, just do your best to enter apples-to-apples quote data for every company. If the quotes have different data it’s not possible to find the best deal for your Buick Encore.

Are auto insurance companies telling the truth?

Consumers can’t ignore all the ads that claim the best prices by companies like 21st Century, Allstate and State Farm. They all seem to try to convey promises about saving some big amount if you move to them.

How does each company save you money? This is the trick they use.

Auto insurance companies have specific criteria for the type of driver they prefer to insure. For instance, a profitable risk profile may be between the ages of 30 and 45, has a clean driving record, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get a cheap rate quote and as a result will probably cut their rates if they switch.

Insureds who don’t meet this ideal profile will have to pay higher rates and the prospect going elsewhere. The ads state “drivers who switch” not “all people who quote” will save that much if they switch. That’s why companies can truthfully make those claims.

Because of these techniques, you need to get as many free insurance quotes as possible. It’s just too difficult to predict which auto insurance company will provide the lowest prices.

Double check you’re getting with these ten discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time you complete a quote, but once in a while a discount must be inquired about in order for you to get them.

  • Senior Citizens – Mature drivers can possibly qualify for reduced rates on Encore coverage.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
  • Professional Memberships – Being in qualifying clubs or civic groups could trigger savings on your policy.
  • Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially in comparison to frequent claim filers.
  • Resident Student – Any of your kids who attend college more than 100 miles from home and leave their car at home may be able to be covered for less.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Home Ownership Discount – Just owning your own home can save you money because of the fact that having a home requires personal responsibility.
  • Auto/Home Discount – When you have multiple policies and insure them both with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Military Rewards – Having an actively deployed family member can result in better car insurance rates.
  • Early Payment Discounts – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.

Discounts lower rates, but most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as comp or med pay. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

Larger car insurance companies and some of the premium reductions they offer are shown below.

  • GEICO has discounts for five-year accident-free, air bags, driver training, seat belt use, and anti-theft.
  • SAFECO may have discounts that include teen safe driver, accident prevention training, anti-lock brakes, teen safety rewards, and multi-car.
  • State Farm offers discounts for good student, passive restraint, driver’s education, accident-free, anti-theft, and Steer Clear safe driver discount.
  • MetLife may include discounts for accident-free, claim-free, defensive driver, good driver, and multi-policy.
  • 21st Century discounts include anti-lock brakes, air bags, good student, 55 and older, early bird, defensive driver, and driver training.
  • Progressive offers discounts including good student, multi-policy, multi-vehicle, continuous coverage, and homeowner.

When getting free insurance quotes, it’s a good idea to each company to apply every possible discount. All car insurance discounts might not be available to policyholders in your area.

Your situation helps dictate your coverage

When it comes to choosing the best auto insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether you may require specific advice.

  • Are my friends covered when driving my 2021 Buick Encore?
  • If I drive on a suspended license am I covered?
  • How high should my medical payments coverage be?
  • Do I need higher collision deductibles?
  • Can my teen drive my company car?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and may give you better protection.

Insurance coverage breakdown

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage – Med pay and PIP coverage pay for bills like doctor visits, prosthetic devices, pain medications and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverages – Collision coverage will pay to fix damage to your Encore caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, sideswiping another vehicle, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for liability – This can cover damage or injury you incur to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as loss of income, court costs and structural damage. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, damage from getting keyed and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Saving money makes a lot of cents

As you quote insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the lowest possible cost.

More affordable car insurance can be bought from both online companies and from local insurance agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some car insurance companies don’t offer rate quotes online and usually these small insurance companies work with independent agents.

Insureds switch companies for any number of reasons including poor customer service, delays in responding to claim requests, not issuing a premium refund or even denial of a claim. It doesn’t matter what your reason, choosing a new company can be pretty painless.

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