Buick Electra Drivers Get the Lowest Auto Insurance Rates

Are you a victim of overpriced auto insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers to discover the definitive lowest price

These discounts can lower your rates

Car insurance is not cheap, but there could be available discounts to help bring down the price. Certain discounts will be applied at quote time, but some must be specifically requested in order for you to get them. If you aren’t receiving every discount you deserve, you are paying more than you should be.

Multiple Policy Discount – If you have multiple policies with the same insurance company you may save at least 10% off all policies.
Service Members Pay Less – Having a deployed family member could mean lower rates.
One Accident Forgiven – Some insurance companies allow you one accident before raising your premiums if you are claim-free for a certain period of time.
Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Electra coverage with select insurance companies.
Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

It’s important to note that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any qualifying discounts will bring down the cost of coverage.

To choose insurers with the best auto insurance discounts, follow this link.

Auto Insurance Comparisons

All major auto insurance companies such as Progressive, GEICO, Allstate and State Farm quote prices for coverage on the web. The process is quite easy as you just type in the amount of coverage you want as requested by the quote form. After the form is submitted, the system will order your driving and credit reports and returns a price quote determined by many factors. Online quotes makes it a lot easier to compare rates but the process of having to visit many different websites and complete many quote forms can get tiresome after awhile. But it’s very important to do this if you are searching for better prices.

A less time-consuming method to find better auto insurance pricing makes use of a single form that gets price quotes from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much simpler. Immediately after submitting the form, it is rated and you can choose any of the returned quotes.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process just takes a couple of minutes and could lower your rates considerably.

To find out what other companies charge, click here and begin entering your coverage information. If you have your current policy handy, we recommend you copy coverages and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will receive an apples-to-apples comparison for similar coverage.

Buick Electra rates are complex

Consumers need to have an understanding of the rating factors that help determine your auto insurance rates. Understanding what determines base rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

The following are some of the factors companies use to determine prices.

Drive less and save money – The more you drive in a year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based on their usage. Autos not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your auto insurance policy is showing the correct driver usage. Incorrect usage on your Electra may be wasting your money.
Mature drivers pay less – Young drivers are statistically proven to be more careless when driving so they pay higher auto insurance rates. Having to add a teen driver to your policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
Do you have enough liability coverage? – Your policy’s liability coverage provides coverage when a jury decides you are liable for damages caused by your negligence. It will provide legal defense which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
High crash test scores lower rates – Cars with high safety ratings are cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection means lower claim amounts and thus lower rates. If your Buick Electra scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
Sex matters – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive auto insurance rates.
Always keep insurance in force – Driving with no insurance can get your license suspended and auto insurance companies will penalize you for letting your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance might get you a revoked license or a big fine.
Bundling policies can get discounts – Most companies provide better rates to customers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount you still need to shop around to verify if the discount is saving money. You may still be able to find better rates by insuring with multiple companies.

Your coverage should be tailored to you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions might point out if you will benefit from professional help.

Am I covered when driving on a suspended license?
Do I need roadside assistance coverage?
Should I put collision coverage on all my vehicles?
Am I covered when driving in Canada or Mexico?
Do I need added coverage for expensive stereo equipment?
How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

But I prefer to buy car insurance from an agent

A small number of people just want to buy from a licensed agent and that is OK! Agents are trained to spot inefficiencies and help submit paperwork. The best thing about price shopping on the web is that you can obtain lower rates and still have an agent to talk to. Supporting small agencies is especially important in small towns and cities.

By using this quick form, the quote information is instantly submitted to companies who will compete for your coverage. You don’t have to leave your computer as quotes are delivered to the email address you provide. How cool is that?!

Insurance agents come in two flavors

When looking for a reliable agent, there are two types of agencies that differ in how they can insure your vehicles. agents are either independent (non-captive) or captive. Both properly insure your vehicles, but it’s worth mentioning how they are different because it can impact buying decisions.

Independent Insurance Agents

Independent agents are not required to write business for one company but rather can write business amongst many companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies.

When searching for an agent, you should always include price quotes from several independent insurance agents for maximum quote selection.

Captive Insurance Agents

This type of agents can only place business with one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents.

For a full directory of agencies, click here.

Selecting an auto insurance agent needs to be determined by more than just the price. These are valid questions to ask:

Is the agent and/or agency licensed to do business in your state?
How are claims handled?
How often do they review policy coverages?
Are claim adjusters local or do you have to take your car somewhere else?
Do they feel the quoted coverages are adequate?
Can they provide you with a list of referrals?
Will your rates increase after a single accident?
If they are an independent agency, which companies do they recommend?

After getting satisfactory answers to any questions you have and locked in a price quote, you may have just found a car insurance agent that can properly service your auto insurance policy.

A little work can save a LOT of money

The cheapest Buick Electra insurance is possible both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at the best price, not the least amount of coverage.