Buick Buick Verano Insurance Rates
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UPDATED: Mar 17, 2020
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Confused by the dozens of car insurance company choices? Many other consumers are too. Consumers have so many companies to choose from that it can be a lot of work to find better rates.
Discounts are available to cut your rates
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied when you purchase, but some may not be applied and must be specifically requested prior to receiving the credit.
- Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
- College Student – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
- Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
- Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
- Discount for Good Grades – This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
As a disclaimer on discounts, most credits do not apply the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will reduce the cost of coverage.
To see a list of insurers with the best insurance coverage discounts, click here.
Everyone needs different coverages
When buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.
Here are some questions about coverages that could help you determine if your situation could use an agent’s help.
- When does my teenage driver need to be added to my policy?
- Is my teen driver covered when they drive my company car?
- Do I pay less for low miles?
- Do I have coverage when making deliveries for my home business?
- Why am I required to buy liability insurance?
- Is upholstery damage covered by car insurance?
If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.
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Auto insurance 101
Understanding the coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.
Liability insurance – This coverage protects you from injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for claims such as loss of income, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.
Comprehensive car insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding, a broken windshield and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision coverages – Collision coverage pays for damage to your Verano resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as crashing into a ditch, hitting a parking meter, colliding with another moving vehicle, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for X-ray expenses, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay
Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Buick Verano.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.
Stretch your dollar
We just showed you some good ideas how you can compare 2014 Buick Verano insurance prices online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising.
Consumers who switch companies do it for many reasons like high rates after DUI convictions, being labeled a high risk driver, unfair underwriting practices or high prices. No matter why you want to switch, finding a new auto insurance company is easier than you think.
Budget-conscious insurance is attainable both online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.
More detailed auto insurance information can be read at these sites:
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- What is Full Coverage? (Allstate)
- Auto Insurance Learning Center (State Farm)
- Medical Payments Coverage (Liberty Mutual)
- Understanding Car Crashes Video (iihs.org)
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