View 2016 Buick Verano Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 29, 2024

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Trying to find low-cost insurance for a Buick Verano can turn out to be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to find insurance online and you need to know the quickest way to compare rates for a Buick and get the lowest possible price either online or from local insurance agents.

If you have a policy now or are shopping for new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. Buying the best coverage is quite easy. Drivers just need to know the best way to shop over the internet.

Which insurance is cheapest?

Performing a rate comparison is a ton of work if you don’t understand the fastest way to get free quotes. You can waste hours talking to insurance companies in your area, or you could save time and use online quoting for quick rates.

All the larger companies participate in a marketplace where insurance shoppers send in one quote, and each participating company returns a rated price determined by their information. This prevents consumers from doing form submissions to each individual insurance company. To find out how much you’re overpaying now enter your zip code here.

One minor caveat to using this type of system is you are unable to specify which insurance companies you want pricing from. So if you prefer to pick from a list of companies to compare prices, we have assembled a list of companies who write insurance in your area. Click to enter zip code for insurance companies.

You can use whichever method you prefer to find lower rates, just do your best to use the same coverage limits for each comparison quote. If you have higher or lower deductibles it will be very difficult to truly determine the lowest rate.

Save $390 a year! What?

Consumers can’t escape the ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to advertise the message that drivers will save a bundle just by moving to them.

That’s great but how can every company save you money? You have to listen carefully.

Insurance providers quote their cheapest rates for the type of driver that earns them the most money. A good example of a preferred risk should be between the ages of 40 and 55, has a low-risk occupation, and the vehicle is rated for pleasure use. Any customer who fits those characteristics will get the preferred premium rates as well as cut their rates if they switch.

People who fall outside these stringent criteria will have to pay a more expensive rate and the prospect going elsewhere. If you listen closely, the ads state “drivers that switch” not “everybody who quotes” save that much when switching. This is how insurance companies can confidently make claims like that.

This really emphasizes why drivers should do a quote comparison often. Because you never know with any certainty which company will be your best fit.

Insurance discounts are available to lower your rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can dramatically reduce your bill. Many of these discounts will be applied automatically when you purchase, but a few need to be specifically requested before you will receive the discount.

  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings as much as 30%.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
  • Buy New and Save – Buying a new car model is cheaper since newer vehicles are generally safer.
  • Telematics Devices – Drivers who agree to allow companies to study where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they exhibit good driving behavior.
  • Active Service Discounts – Having a deployed family member could qualify you for better insurance rates.
  • Driver’s Education for Students – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Accident-Free Discounts – Claim-free drivers can save substantially as compared to frequent claim filers.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy life insurance from them.
  • Switch and Save Discount – A few larger companies give discounts for switching policies early. It could save around 10% when you buy insurance online.
  • Senior Citizen Discount – If you qualify as a senior citizen, you could receive reduced rates on Verano coverage.

Policy discounts save money, but most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few popular companies and some of the discounts are outlined below.

  • American Family offers premium reductions for defensive driver, air bags, Steer into Savings, accident-free, and early bird.
  • State Farm has discounts for student away at school, anti-theft, Drive Safe & Save, accident-free, defensive driving training, and Steer Clear safe driver discount.
  • 21st Century offers discounts including homeowners, defensive driver, driver training, teen driver, and 55 and older.
  • Travelers policyholders can earn discounts including IntelliDrive, payment discounts, new car, early quote, good student, and student away at school.
  • GEICO may have discounts that include multi-vehicle, defensive driver, federal employee, daytime running lights, membership and employees, driver training, and emergency military deployment.

Check with each company or agent what discounts are available to you. Depending on the company, some discounts might not be available to policyholders in your state. To see a list of insurance companies that offer many of these discounts, enter your zip code here.

Everyone needs different car insurance coverages

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

  • How high should my medical payments coverage be?
  • When would I need rental car insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my Buick Verano covered if I use it for business?
  • Is Motor Club coverage worth it?
  • Is my custom paint covered by insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete your zip code. It’s fast, free and you can get the answers you need.

Specifics of your car insurance policy

Knowing the specifics of car insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

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

Comprehensive can pay for things such as fire damage, hail damage, a tree branch falling on your vehicle, damage from flooding and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Buick Verano.

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. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage – This pays for damage to your Verano from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, crashing into a ditch, crashing into a building, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like ambulance fees, EMT expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Auto liability – Liability coverage provides protection from damage that occurs to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair bills for other people’s vehicles, structural damage, attorney fees and bail bonds. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Buy Smart and Save

Cheaper 2016 Buick Verano insurance can be purchased both online and also from your neighborhood agents, so get free insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who may not provide rates over the internet and usually these smaller companies prefer to sell through independent insurance agents.

In this article, we covered some good ideas how to compare 2016 Buick Verano insurance premium rates online. The key concept to understand is the more you quote insurance, the more likely it is that you will get a better rate. You may even find the most savings is with the least-expected company.

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. Your goal is to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

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