Compare Auto Insurance Rates for a Buick Verano

Shoppers have lots of choices when shopping for affordable Buick Verano insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to make rate comparisons.

There are more efficient ways to buy auto insurance and we’ll show you the quickest way to get price quotes for a new or used Buick and locate the lowest possible price from both online companies and local agents.

You should take the time to do rate comparisons quite often because rates go up and down regularly. Even if you think you had the best price on Verano insurance on your last policy other companies may now be cheaper. So forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to remove unneeded coverages and save money.

This information will familiarize you with how to get online quotes. If you have car insurance now, you should be able to lower your premiums substantially using this strategy. Drivers only need an understanding of the most efficient way to shop online.

Auto Insurance Prices Online

Lowering your Buick Verano auto insurance rates can be relatively painless. The only thing you need to do is spend a little time comparing rate quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  1. The most efficient way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do boring form submissions for each company. Completing one form gets rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to shop for auto insurance online consists of visiting each individual company website and request a quote. For examples sake, let’s assume you want to compare USAA, Liberty Mutual and Farmers. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.
  3. The hardest way of getting rate comparisons is to waste gas driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the trained guidance that only a license agent can provide. You can, however, get prices online and get advice from an agent in your area.

Whichever way you use, make absolute certain that you use exactly the same coverage information on every quote you get. If you are comparing differing limits it’s not possible to determine which rate is truly the best.

Misconceptions in auto insurance advertisements

Consumers can’t get away from ads that promise big savings from the likes of Progressive, Allstate and GEICO. They all say the same thing of big savings if you change your coverage to them.

How can each company claim to save you money?

Different companies have a certain “appetite” for the type of driver that is profitable for them. An example of a profitable customer might be profiled as a mature driver, insures multiple vehicles, and has excellent credit. A propective insured who meets those qualifications is entitled to the best price and most likely will save when switching.

Potential customers who don’t measure up to this ideal profile must pay higher premiums which leads to business not being written. The ad wording is “customers that switch” not “people who quote” save that much. This is how companies can advertise the savings.

This illustrates why you need to get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings. insurance prices

Elements that influence Buick Verano rates

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

The list below includes a few of the “ingredients” auto insurance companies consider when setting premiums.

  • Battle of the sexes – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Women and men are in accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.
  • Special features that cut premiums – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Cautious drivers pay less – A bad driving record impacts your car insurance rates tremendously. Even one citation may increase your cost forty percent or more. Drivers with clean records receive lower rates than their less careful counterparts. If you have dangerous violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Do you know your deductibles? – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Buick from damage. Examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay in the event of a claim. The higher the amount you’re willing to pay, the less your auto insurance will be on Verano insurance.
  • Safer occupants lowers premiums – Cars with high safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Buick Verano has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Your location affects your rates – Living in a rural area can be a good thing when talking about auto insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Urban drivers have much more traffic to deal with and much longer commute distances. More time commuting can result in more accidents.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be requested specifically before you get the savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Government Employees – Simply working for the federal government can save as much as 8% on Verano insurance with certain companies.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Verano insurance than drivers with accidents.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could save 15% off your PIP or medical payments premium.
  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10% on Verano insurance.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying your policy digitally online.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.

It’s important to understand that most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, companies don’t profit that way. Any qualifying discounts will reduce your premiums.

To see a list of providers with discount auto insurance rates, follow this link.

Can’t I compare rates from local agents?

Certain consumers would rather buy from a local agent and there is nothing wrong with that. Professional agents can answer important questions and help in the event of a claim. The best thing about comparing insurance prices online is you may find the best rates and still choose a local agent. And providing support for local agencies is important particularly if you live in a smaller city or town.

For easy comparison, once you complete this quick form, your information is immediately sent to participating agents who will battle for your business. You don’t have to leave your computer because quoted prices will be sent to your email. How’s that for easy!

The type of auto insurance agent you choose is important

When researching a good insurance agent, you must know there are a couple types of insurance agents from which to choose. agents are classified as either captive or independent. Both insure your vehicles, but it’s important to know how they differ because it can influence the selection process.

Independent Agents (or Brokers)

These agents are not locked into one company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency.

When shopping rates, we recommend you include at a minimum one independent agency for maximum quote selection. They also have the ability to place coverage with smaller companies which can be an advantage.

Agency Captives

Captive agents have only one company to place business with such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot give you multiple price quotes so they have to upsell other benefits. They are very knowledgeable on their company’s products and that can be a competitive advantage. Some people will only buy insurance from these agents mostly because of the brand legacy and solid financial strength.

find Verano insurance

To view a complete directory of agents, visit this page.

Picking a car insurance agent requires more thought than just the premium amount. Some important questions to ask are:

  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • What insurance company do they write the most business with?
  • Does the company allow you to choose your own collision repair facility?
  • Will your rates increase after a single accident?
  • Is vehicle mileage a factor when determining depreciation for repairs?

Once you have received good answers for all questions you ask and an acceptable price quote, it’s possible that you found an insurance agent that is a good match to adequately provide auto insurance.

Shop smart and save

Lower-priced Buick Verano insurance can be bought on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Insureds switch companies for a variety of reasons including lack of trust in their agent, questionable increases in premium, policy cancellation or even delays in paying claims. No matter why you want to switch, finding a new auto insurance company is not as difficult as it may seem.

When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find for the lowest price, not the least amount of coverage.