Are Your Buick Rendezvous Auto Insurance Rates Too High?

Nobody I know likes having to buy auto insurance, especially knowing the cost is way too high.

Companies like Allstate, Liberty Mutual and State Farm continually bombard you with ads and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

Smart consumers take time to do rate comparisons before your policy renews because insurance rates are rarely the same from one policy term to another. Even if you got the best price on Rendezvous coverage on your last policy a different company probably has better rates today. Ignore everything you know about auto insurance because you’re about to learn the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

Are you getting all your discounts?

Car insurance is not cheap, but there are discounts available to help offset the cost. Some trigger automatically when you purchase, but less common discounts must be specially asked for in order for you to get them.

• Low Mileage – Fewer annual miles on your Buick can earn discounted rates on garaged vehicles.
• Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on Rendezvous coverage with select insurance companies.
• Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
• Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
• Life Insurance – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
• Paperless Signup – A handful of insurance companies will give a small break just for signing your application over the internet.
• Clubs and Organizations – Belonging to a qualifying organization is a good way to get lower rates on your policy on Rendezvous coverage.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will cut the cost of coverage.

How to Compare Auto Insurance Costs

There are several ways to shop for auto insurance, but one way is easier and takes less work. You can waste a lot of time talking about coverages with local insurance agents in your area, or you can utilize online quoting to maximize your effort.

Most of the best insurance companies take part in a program that allows shoppers to submit their information once, and every company then gives them pricing. This saves time by eliminating quotation requests to each company.

To access this free quoting program, click to open in new window.

The only drawback to pricing coverage this way is you can’t choose which insurance companies to receive prices from. So if you prefer to pick from a list of companies to compare, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just compare the exact same deductibles and coverage limits for each comparison quote. If you have mixed coverages it will be very difficult to make a fair comparison for your Buick Rendezvous. Slightly different insurance coverages may result in large price differences. Just remember that comparing more company’s prices will increase your chances of finding the best price.

Which insurance is the “right” coverage?

When choosing proper insurance coverage, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions might help in determining whether or not you might need an agent’s assistance.

• Are there companies who specialize in insuring high-risk drivers?
• When should I remove comp and collision on my Buick Rendezvous?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What companies insure drivers after a DUI or DWI?
• Does coverage extend to a rental car in a foreign country?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Online plus local equals savings

Low-cost Buick Rendezvous insurance is definitely available from both online companies and with local insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not offer online quoting and these small, regional companies work with independent agents.

We’ve covered some good ideas how you can reduce Buick Rendezvous insurance prices online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the best price on auto insurance is with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.