Drivers have many options when trying to find affordable Buick Rainier insurance. You can either waste hours struggling with agents getting price quotes or utilize the internet to find the lowest rates. There is a right way and a wrong way to compare auto insurance rates and you need to know the best way to price shop coverage for your Buick and obtain the cheapest rates.
Consumers need to compare rates before your policy renews since insurance rates change quite often. Just because you had the lowest price for Rainier insurance six months ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you’re about to learn the best methods to save money, get proper deductibles and limits, all at the lowest rate.
Buying car insurance is not that difficult. If you have car insurance now, you will be able to cut costs considerably using these techniques. Vehicle owners just need to learn the most effective way to get comparison quotes on the web.
Save money by taking advantage of these discounts
Auto insurance companies don’t always publicize every discount in a way that’s easy to find, so we break down some of the best known as well as the least known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- Theft Prevention System – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
- Multiple Policy Discount – If you have multiple policies with the same insurance company you will save at least 10% off all policies.
- Defensive Driver – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
- New Vehicle Savings – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
- Accident Waiver – A few companies permit an accident before raising your premiums if you are claim-free for a particular time prior to the accident.
- Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
- Passive Restraints – Factory air bags or automatic seat belts can get savings of up to 25% or more.
A little note about advertised discounts, most discounts do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous.
For a list of insurers who offer auto insurance discounts, click here to view.
When should I use an insurance agent?
When choosing adequate coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.
- Do I have coverage if my license is suspended?
- What if I total my Buick Rainier and owe more than it’s worth?
- Is my business laptop covered if it gets stolen from my vehicle?
- When would I need rental car insurance?
- Should I rate my Buick Rainier as pleasure use or commute?
- How much liability coverage do I need in my state?
- Do I qualify for additional discounts?
- Do no-fault laws apply in my state?
- What is the difference between comprehensive and collision coverage?
- Am I covered when using my vehicle for business?
If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.
Misconceptions in auto insurance advertisements
Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. They all have a common claim about savings if you move your policy.
How can each company make almost identical claims? It’s all in the numbers.
All the different companies are able to cherry pick for the driver that makes them money. For example, a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” will get the preferred rates and as a result will probably save quite a bit of money when switching.
Drivers who fall outside this ideal profile will be charged higher prices and this can result in business going elsewhere. The ads say “customers who switch” not “people who quote” save that much. That’s the way companies can truthfully advertise the savings. That is why drivers should compare many company’s rates. It’s just too difficult to predict which insurance companies will have the lowest rates.
A tidy conclusion
Drivers who switch companies do it for a number of reasons such as high prices, unfair underwriting practices, not issuing a premium refund and even lack of trust in their agent. No matter why you want to switch, finding a new company is less work than it seems.
We just covered a lot of tips how to get a better price on Buick Rainier insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the best price on auto insurance is with some of the lesser-known companies.
When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In too many instances, an insured cut full coverage only to discover later that they should have had better coverage. The aim is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.
