2023 Buick Envision 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: Apr 27, 2024

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No car owner likes buying car insurance, especially when they know they could find better rates elsewhere. Big-name insurance companies like Allstate, Progressive and GEICO all claim big savings with TV and radio ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

If you have insurance now or need new coverage, you can use this information to cut your premiums and possibly find even better coverage. Finding affordable coverage is quite easy. Consumers just need to learn the proper methods to get comparison quotes online.

Find discounts to get cheap auto insurance quotes

Properly insuring your vehicles can get expensive, but you might find some hidden discounts to help bring down the price. Many discounts should be triggered when you purchase, but some need to be requested specifically before they will apply. If they aren’t giving you every credit you qualify for, you could be paying more than you need to.

  • No Accidents – Claim-free drivers can save substantially as compared to drivers with a long claim history.
  • Military Rewards – Having an actively deployed family member could mean lower rates.
  • Telematics Discount – Insureds that choose to allow their company to study when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
  • Good Students Pay Less – Being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Distant Student Discount – Children living away from home attending college and do not have a car can receive lower rates.

You should keep in mind that most discounts do not apply to the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, that’s just not realistic. But any discount will help reduce the amount you pay for coverage.

A few of the larger companies and the discounts they provide can be found below.

  • State Farm has savings for good driver, multiple autos, Steer Clear safe driver discount, driver’s education, and passive restraint.
  • Liberty Mutual offers discounts including newly retired, new graduate, teen driver discount, exclusive group savings, preferred payment discount, and new vehicle discount.
  • American Family policyholders can earn discounts including accident-free, Steer into Savings, TimeAway discount, defensive driver, and air bags.
  • Progressive offers discounts for multi-vehicle, good student, online signing, online quote discount, and homeowner.
  • Farmers Insurance offers premium reductions for youthful driver, homeowner, early shopping, business and professional, switch companies, and electronic funds transfer.
  • Auto-Owners Insurance may have discounts that include anti-theft, company car, multiple vehicles, student away at school, safe driver, paid in full, and mature driver.
  • SAFECO includes discounts for safe driver, bundle discounts, accident prevention training, teen safe driver, teen safety rewards, and anti-theft.

If you want low cost car insurance quotes, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in your area. To see a list of insurance companies with the best auto insurance discounts, enter your zip code here.

What determines Buick Envision insurance costs?

Many different elements are taken into consideration when you get a price on insurance. Some of the criteria are obvious such as your driving history, but other factors are less obvious like where you live or your vehicle rating.

  • GPS tracking and theft deterrents reduce prices – Purchasing a vehicle that has an advanced theft prevention system can save you some money. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft.
  • Only buy coverage you need – Insurance companies have many optional add-on coverages that sound like a good idea at the time on your Envision policy. Coverages for coverage for rental cars, accidental death, and additional equipment coverage are examples of these. They may seem like a good idea when discussing your needs, but if you’ve never needed them in the past get rid of them and save.
  • Annual mileage and car insurance premiums – The higher the mileage driven annually the higher the price you pay to insure it. A lot of companies calculate prices partially by how you use the vehicle. Autos that do not get driven very much qualify for better rates than vehicles that are driven to work every day. Double check that your policy is showing how each vehicle is driven, because it can save money. Having an incorrect usage rating on your Envision is throwing money out the window.
  • Lower rates by increasing coverage deductibles – Deductibles for physical damage are how much you are required to spend if a claim is determined to be covered. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, or theft of your vehicle. The larger the amount you’re willing to pay, the bigger discount you will receive for Envision insurance.
  • Premiums impacted by your city – Living in a small town can save you money when shopping for auto insurance. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims Drivers who live in large cities have more traffic problems and higher rates of accident claims. More time behind the wheel means a statistically higher chance of an accident.
  • High stress vocation may mean higher prices – Do you have a high-stress occupation? Careers such as military personnel, business owners and dentists generally pay higher rates than average attributed to stressful work requirements and extremely grueling work hours. On the other hand, jobs like actors, engineers and retirees have the lowest average rates for Envision insurance.

Tailor your insurance coverage to you

When it comes to buying coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help you determine whether your personal situation might need professional guidance.

  • Are split liability limits better than a combined single limit?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my Buick Envision covered if I use it for business?
  • Will my rates increase for filing one claim?
  • Should I buy full coverage?
  • Is pleasure use cheaper than using my 2023 Buick Envision to commute?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Don’t believe everything you hear

Drivers can’t escape the ads that claim the lowest car insurance rates by Allstate and Progressive. All the companies say the same thing about how much you will save just by switching to their company.

That’s great but how can every company charge lower premium rates? Just pay attention to how they say it.

Many companies have specific guidelines for the type of driver that will add to their bottom line. For example, this type of insured may need to be between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. Anybody that matches those criteria may get the lowest premium rates and will also save some money.

People who don’t meet the ideal profile will see higher premiums which results in the driver buying from a lower-cost company. The wording the ads use say “people who switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can confidently state the savings.

That is why it is so important to compare quotes as often as possible. Because you cannot predict which company will provide the lowest prices.

Car insurance coverage specifics

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.

Collision coverage

This pays for damage to your Envision resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, hitting a mailbox, scraping a guard rail, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverage

This can cover damage or injury you incur to a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as bail bonds, court costs, emergency aid and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like pain medications, rehabilitation expenses, X-ray expenses and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, rock chips in glass and falling objects. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2023 Buick Envision.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Affordable insurance is out there

Throughout this article, we presented many tips how you can compare 2023 Buick Envision insurance premium rates online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even find the best premium rates are with the smaller companies. Regional companies may only write in your state and offer lower prices as compared to the big name companies such as GEICO and State Farm.

Some insurance companies may not provide online quoting small, regional companies only sell through local independent agencies. Cheap 2023 Buick Envision insurance can be sourced both online and with local insurance agents, so you should compare both so you have a total pricing picture.

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