Insuring Your Buick Rainier Just Got A Whole Lot Cheaper

Are you tired of trying to scrape together enough money to buy car insurance? You are in the same boat as many other drivers.

With consumers having so many options, it can be hard to choose the lowest cost insurance company.

You need to shop coverage around once or twice a year because insurance rates trend upward over time. Even if you think you had the lowest rates for Rainier coverage a year ago the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online, so we’re going to give you some great ideas on how to save money.

The purpose of this article is to introduce you to the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Although vehicle owners do need to learn how big insurance companies price insurance differently and apply this information to your search.

Do you qualify for discounts?

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be asked for before they will apply.

• Distant Student – Youth drivers who live away from home and do not have access to a covered vehicle may be able to be covered for less.
• Save over 55 – Mature drivers may qualify for better auto insurance rates for Rainier coverage.
• Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
• Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.
• Auto/Home Discount – If you have multiple policies with one insurance company you will save at least 10% off all policies.

Drivers should understand that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. Any amount of discount will cut your overall premium however.

Buick Rainier rates are made up of many parts

Smart consumers have a good feel for the rating factors that play a part in calculating auto insurance rates. Knowing what determines base rates allows you to make educated decisions that may reward you with big savings.

Shown below are some of the factors companies use to determine rates.

• Don’t sacrifice liability coverage – Liability insurance is the coverage that protects you if ever a court rules you are at fault for damages from an accident. It provides you with a defense in court starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
• Your stress level may be raising your rates – Jobs such as lawyers, executives and accountants tend to have higher rates than average because of job stress and long work days. On the flip side, occupations such as farmers, athletes and the unemployed receive lower rates for Rainier coverage.
• Do you know your deductibles? – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Buick. Some instances where coverage would apply would be running into the backend of another car, vandalism, and burglary. The deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the lower your rates will be for Rainier coverage.
• A clean driving record saves money – Good drivers tend to pay less for car insurance than their less careful counterparts. Even one moving violation can increase rates twenty percent or more. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
• Men are more aggressive – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are worse drivers. Women and men are in accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
• Optional equipment can affect rates – Owning a car with an alarm system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
• Pay less if you’re married – Being married can get you a discount on auto insurance. It usually means you are more mature and responsible and it’s statistically proven that being married results in fewer claims.

Don’t assume everyone needs the same coverage

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out whether or not you could use an agent’s help.

• What companies insure drivers after a DUI or DWI?
• Should I file a claim if it’s only slightly more than my deductible?
• Does my insurance cover a custom paint job?
• Do I need higher deductibles?
• How many claims can I have before being cancelled?
• What is high-risk coverage and where do I buy it?
• Should I have combined single limit or split liability limits?
• Am I covered when driving on a suspended license?
• Do I need rental car coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Are you falling for claims of savings?

Auto insurance companies such as Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. They all seem to have a common claim of big savings if you switch to them. How can each company make the same claim? This is how they do it.

All the different companies are able to cherry pick for the right customer that makes them money. For example, a desirable insured might be over the age of 40, has no prior claims, and has a high credit rating. Any new insured that hits that “sweet spot” is entitled to the best price and therefore will save when they switch companies.

Potential insureds who do not match these standards will have to pay higher rates which leads to business not being written. The ads state “customers who switch” not “everyone that quotes” save money. That’s why insurance companies can confidently advertise the way they do.

Because of the profiling, drivers should compare many company’s rates. It’s not possible to predict which company will have the lowest rates.

Buy online or local, you save

Low-cost Buick Rainier insurance can be sourced from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. In many cases, consumers will sacrifice liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at a price you can afford.