Save on 2022 Buick Encore Insurance Cost 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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Comparison shopping for more affordable insurance can seem to be hard for drivers new to online rate comparisons. Since there are so many insurance companies available, it can easily be a burden to find cheaper prices.

Earn discounts on car insurance

Some companies don’t list all available discounts in a way that’s easy to find, so the following is a list of both the well known as well as some of the hidden credits that you can use to lower your rates.

  • Policy Bundle Discount – If you combine your auto and home policies with the same insurance company you may save as much as 10 to 15 percent.
  • Good Student – Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Safety Course Discount – Participating in a course that instructs on driving safety can save you 5% or more and make you a better driver.
  • Low Miles Discount – Fewer annual miles on your Buick can earn lower premium rates due to less chance of an accident.
  • First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will turn a blind eye to one accident without the usual rate increase if your claims history is clear for a particular time prior to the accident.
  • Buy New and Save – Insuring a new car is cheaper since new model year vehicles have better safety ratings.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
  • ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it’s just not the way it works.

Some of the insurance companies that may include most of these discounts may include but are not limited to:

  • State Farm
  • Nationwide
  • AAA
  • 21st Century
  • The Hartford

Before buying, ask all the companies which discounts they offer. All car insurance discounts may not be available in your area.

Where can I get low cost insurance coverage?

Most major insurance companies like Progressive, Allstate and GEICO allow consumers to get insurance quotes from their websites. Obtaining pricing is fairly simple as you simply enter your required coverages as detailed in the form. Upon sending the form, their rating system obtains your driving record and credit report and returns a price quote.

Quoting online simplifies rate comparisons, but the time it takes to visit a lot of sites and type in your information is a big time waster. Unfortunately, it is important to perform this step if you want to find a lower rate.

An easier way to find better insurance coverage pricing uses one form that gets price quotes from a lot of companies. It saves time, requires much less work on your part, and makes rate comparisons much more efficient. Immediately after submitting the form, it is rated and you can select your choice of the resulting price quotes. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

If you want to find out what other companies charge, simply enter your zip code here and input your coverage information. If you have your current policy handy, we recommend that you enter coverages and limits as close as possible to your current policy. This helps ensure you will have an apples-to-apples comparison for exact coverage.

Informed drivers save more

Many different elements are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, but some are less obvious such as your marital status or your vehicle rating. Smart consumers have a good feel for a few of the rating criteria that come into play when calculating your premiums. When you understand what determines base rates, this allows you to make good choices that may reward you with cheaper rates.

  • Good credit equals lower premiums – Having a bad credit rating will be a significant factor in determining what you pay for auto insurance. So if your credit rating leaves room for improvement, you may save money insuring your 2022 Buick Encore by taking the time to improve your credit score. People with excellent credit scores tend to file fewer claims and have better driving records than drivers with lower ratings.
  • Insurance rates for married couples – Having a spouse can get you a discount compared to being single. Marriage may mean you are more financially stable and statistics show being married results in fewer claims.
  • Higher rates for tough vocations – Careers like doctors, business owners and miners tend to pay higher rates than average attributed to intense work-related stress and extremely grueling work hours. On the flip side, careers like professors, historians and retirees pay lower than average rates on Encore insurance.
  • Rental and towing coverage may not be needed – There are a lot of extra add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for replacement cost coverage, death and dismemberment, and additional equipment coverage may not be needed and are just wasting money. The coverages may be enticing at first, but if you’ve never needed them in the past remove them and pocket the money.
  • Long commutes cost more – Driving more miles annually the more it will cost to insure it. The majority of insurers charge rates based upon how much you drive. Autos not used for work or commuting can get a lower rate than those that get driven frequently. It’s a smart idea to ensure your vehicle rating shows the proper vehicle usage, because it can save money. An incorrectly rated Encore may be costing you.
  • Theft deterrents lowers auto insurance rates – Choosing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft and help lower rates.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is no perfect coverage plan. Every situation is different.

For instance, these questions can aid in determining whether or not you would benefit from professional advice.

  • Is my teenager covered with friends in the car?
  • Do I need added coverage for expensive stereo equipment?
  • Should I rate my 2022 Buick Encore as pleasure use or commute?
  • Who is covered by my policy?
  • Does insurance cover tools stolen from my truck?
  • When should I remove comp and collision on my 2022 Buick Encore?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my camper covered by my car insurance policy?
  • Who is covered when they drive my 2022 Buick Encore?
  • What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out your zip code.

Can you really save that much by switching?

Popular car insurance providers such as Progressive, Allstate and GEICO continually stream ads on television and other media. They all seem to make the same claim that you can save just by moving your policy. How is it plausible that every one can offer drivers better rates? You have to listen carefully.

All companies require specific criteria for the type of driver they prefer to insure. An example of a profitable customer should be a married male, has never had a policy lapse, and has a high credit rating. Any person who fits that profile will get low premium rates and will probably save when switching.

Insureds who fall outside these standards will have to pay more expensive rates with the end result being the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way companies can make those statements. That is why drivers should get insurance coverage quotes as often as possible. It is just not possible to predict with any certainty which company will give you the biggest savings.

Specific coverages for a Buick Encore

Learning about specific coverages of a insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for pain medications, ambulance fees, surgery, doctor visits and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants 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. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, fire damage, damage from a tornado or hurricane and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

Collision coverage covers damage to your Encore caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for liability

Liability insurance protects you from damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things like medical services, loss of income and funeral expenses. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Power to the consumer

Insureds leave their current company for a variety of reasons including policy non-renewal, not issuing a premium refund, high rates after DUI convictions and being labeled a high risk driver. Regardless of your reason, choosing a new company is not as hard as you think.

In this article, we covered many ideas to compare 2022 Buick Encore insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance coverage. Consumers could even find that the most savings is with the least-expected company.

As you shop your coverage around, you should never skimp on coverage in order to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

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