2004 Buick Rainier Insurance Rates – 8 Policy Discounts

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us, you are not the only one feeling buyer’s remorse. You have multiple insurers to purchase coverage from, and even though it’s nice to have a selection, having more car insurance companies makes it harder to find the lowest rates.

You need to check car insurance prices periodically since insurance rates tend to go up over time. Despite the fact that you may have had the best price on Rainier insurance last year you will most likely find a better rate today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to one of the quickest ways to find better coverage at a better price.

Quick Car Insurance Quotes

Finding lower car insurance rates can be quick and easy. All you need to do is invest a few minutes getting comparison quotes online from several insurance companies. This can be done in several different ways.

The recommended way to find low rates would be an industry-wide quote request form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests for each company you want a rate for. One form will return quotes from multiple companies.

A less efficient way to obtain and compare quotes online requires a visit to the website of each company to complete their respective quote request forms. For instance, we’ll assume you want to compare rates from Allstate, 21st Century and American Family. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

The least recommended method of comparing rate quotes is driving around to local insurance agencies. The internet eliminates the need for an insurance agent unless you have a need for the trained guidance of a local agent. You can, however, comparison shop online but still have the advice of a local agent. We’ll cover that shortly.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverages and limits for each comparison quote. If your comparisons have different limits and deductibles on each one you will not be able to make a fair comparison for your Buick Rainier.

Take advantage of discounts

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Most are applied when you get a quote, but some must be asked about before you will receive the discount. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Club Memberships – Participating in a civic or occupational organization could trigger savings on your policy on Rainier insurance.
  • Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% on Rainier insurance.
  • Defensive Driving Course – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Accident Waiver – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • College Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will bring down your overall premium however.

To see a list of companies who offer insurance discounts, click here to view.

How to know if you need help

When choosing the best insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

  • Are split liability limits better than a combined single limit?
  • When should I remove comp and collision on my 2004 Buick Rainier?
  • Do I need an umbrella policy?
  • Am I insured when driving a different vehicle?
  • Will my insurance pay for OEM parts?
  • Is my 2004 Buick Rainier covered for smoke damage?
  • When can I cancel my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I benefit by insuring my home with the same company?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Can switching companies really save?

Consumers constantly see and hear ads that promise big savings from companies such as State Farm, GEICO and Progressive. All the companies have a common claim about savings if you change your policy.

How do they all make almost identical claims?

All companies are able to cherry pick for the driver that earns them a profit. A good example of a desirable insured might be profiled as a mature driver, has no driving citations, and has a short commute. Any driver that hits that “sweet spot” will get the preferred rates and as a result will probably save a lot of money.

Consumers who are not a match for the “perfect” profile must pay a higher premium and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “people who quote” save that kind of money. That is how insurance companies can state the savings.

This illustrates why it’s extremely important to quote coverage with many companies. It’s impossible to know the company that will have the lowest Buick Rainier insurance rates.

Auto insurance 101

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses like pain medications, prosthetic devices, dental work, doctor visits and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability insurance will cover damages or injuries you inflict on other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects, loss of income and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, vandalism, falling objects, hitting a deer and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – Collision insurance will pay to fix damage to your Rainier resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage – This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Buick Rainier.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Make a quick buck

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. Too many times, drivers have reduced collision coverage and learned later that it was a big error on their part. Your goal should be to purchase plenty of coverage at the best price while still protecting your assets.

Cheaper 2004 Buick Rainier insurance is available both online in addition to many insurance agents, and you need to comparison shop both to have the best selection. A few companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

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