Searching for cheaper insurance for a Buick Verano could be difficult, but you can learn the following methods to make it easier.
There are more efficient ways to find car insurance online so we’re going to tell you the best way to quote coverages on a Buick and get the lowest possible price from both online companies and local agents.
Lesser-known factors impacting Buick Verano insurance rates
An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates helps enable you to make changes that can help you get big savings.
- Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
- One company can mean more discounts – Many insurers will award you with lower prices to customers who carry more than one policy such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you’re getting this discount you still need to compare rates to make sure you are getting the best deal.
- Younger drivers pay higher rates – Teenage drivers tend to be less responsible when behind the wheel so car insurance rates are higher. Older insureds tend to be more responsible, statistically cause fewer accidents and are safer drivers.
- Better crash test results mean better rates – Vehicles with high crash test scores get lower rates. Safe vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Buick is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- Don’t cancel a policy without a new one in place – Allowing your car insurance policy to lapse is a sure-fire way to increase your car insurance rates. Not only will rates go up, failure to provide proof of insurance will get you a revoked license or a big fine.Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
- Poor driving leads to higher costs – A bad driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets have lower premiums than bad drivers. Just one citation can bump up the cost forty percent or more. If you have serious violations like DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
Lots of discounts mean lots of savings
The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but a few must be specifically requested prior to getting the savings.
- Homeowners Discount – Simply owning a home may trigger a car insurance policy discount because maintaining a house demonstrates responsibility.
- Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
- Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Verano coverage than less cautious drivers.
- Fewer Miles Equal More Savings – Keeping the miles down on your Buick can earn better rates on cars that stay parked.
- Passive Restraint Discount – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Just because you may think all those discounts means the company will pay you, companies don’t profit that way. But any discount will cut your premiums.
Aren’t my neighborhood agents an option?
A small number of people just want to sit down with an agent and that is a personal choice. One of the best bonuses of comparing insurance prices online is that you can obtain better rates and still choose a local agent. And supporting local businesses is important especially in smaller rural communities.
By using this quick form, the coverage information is sent to agents in your area who will give you bids for your insurance coverage. You won’t need to leave your house since price quotes are sent immediately to your email address. Now that’s easy! You can find the lowest rates AND a local agent.
Multiple types of insurance agencies
When researching local agents, there are two different types of agents from which to choose. Agencies can either be independent or captive.
Independent Agencies or Brokers
Independent agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part. When shopping rates, it’s a good idea to get quotes from at a minimum one independent agency for maximum quote selection. They often place coverage with smaller regional carriers which may provide better rates.
Captive Agents
Captive insurance agents can only place business with one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so always compare other rates. They are usually quite knowledgeable on their products and sales techniques which can be an advantage. Consumers frequently choose to use a captive agent mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.
To view a full list of agents, visit this page.
Deciding on an insurance agency needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:
- Do they make recommendations based only on price?
- Is vehicle damage repaired with OEM or aftermarket parts?
- If they are an independent agency, which companies do they recommend?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- If your car is totalled, how to they determine the replacement cost?
- If you are a high risk driver, do they have special markets for your coverage?
- How much can you save by raising your physical damage deductibles?
After receiving answers to your satisfaction for all questions you ask and a low price estimate, you may have just found an auto insurance agent that is a good match to adequately provide car insurance.
You are unique and your car insurance should be too
When choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.
For instance, these questions can help discover whether your personal situation will benefit from professional help.
- Do I get a pro-rated refund if I cancel my policy early?
- Should I buy additional glass protection?
- Does my insurance cover my expensive audio equipment?
- Do I need roadside assistance coverage?
- What should my uninsured motorist coverage limits be in my state?
- Do I have coverage when using my vehicle for my home business?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.
More comparisons equals lower rates
As you shop your coverage around, make sure you don’t buy poor coverage just to save money. In many cases, someone sacrificed liability limits or collision coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage for the lowest price.
Low-cost Buick Verano insurance is definitely available both online and with local insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.
We just showed you a lot of tips how to save on Buick Verano insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a small local company.
