2018 Buick Cascada Insurance Rates
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UPDATED: Nov 18, 2019
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Average insurance rates for a 2018 Buick Cascada are $1,534 a year including full coverage. Comprehensive insurance costs around $320, collision costs $640, and liability insurance costs $416. Buying a liability-only policy costs as little as $474 a year, with high-risk insurance costing $3,340 or more. Teen drivers receive the highest rates at $5,700 a year or more.
Annual premium for full coverage: $1,534
Rate estimates for 2018 Buick Cascada Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2018 Buick Cascada models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $474 for basic liability insurance to the much higher price of $3,340 for a driver that may need high-risk insurance.
These differences highlight why everyone should compare rates for a specific zip code and risk profile, rather than relying on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2018 Buick Cascada Insurance
Shoppers have lots of choices when shopping for the lowest priced Buick Cascada insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to find the lowest rates. There are both good and bad ways to buy insurance and we’ll show you the quickest way to quote coverages for your Buick and locate the lowest price either online or from local insurance agents.
It’s a good idea to compare rates at least once a year because prices trend upward over time. Despite the fact that you may have had the best price for Cascada coverage at your last renewal there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance because you’re going to learn how to use the internet to lower your annual insurance bill.
Low cost insurance coverage prices
There are a lot of ways you can shop for insurance coverage but there is one way that is easier and takes less work. You could waste time discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to get rates in a matter of minutes.
Many popular insurance companies take part in a program that enables customers to submit their information once, and at least one company returns a rated price. This system prevents you from having to do quotation requests to each company. To find out what other companies charge click here.
One minor caviat to using this type of form is you can’t choose which providers to get quotes from. If you wish to select specific insurance companies to request quotes from, we have a listing of low cost insurance coverage companies in your area. Click to view list.
It doesn’t matter which method you choose, just try to keep exactly the same coverage data for every company. If your comparisons have different values for each quote it will be impossible to make an equal comparison.
Use discounts to get cheaper auto insurance quotes
Auto insurance is not cheap nor is it fun to buy but there could be significant discounts to reduce the price significantly. Some discounts will apply when you complete an application, but lesser-known reductions have to be manually applied before being credited. If you do not check that you are getting every discount possible, you’re paying more than you need to.
- Home Ownership Discount – Just being a homeowner may earn you a small savings because owning a home shows financial diligence.
- Discount for Multiple Policies – When you combine your homeowners and auto insurance with the same insurance company you could earn a discount of nearly 15% which can help you find low cost auto insurance.
- Multiple Cars – Purchasing coverage when you have primary and secondary vehicles on one policy can get a discount on all vehicles.
- Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
- No Charge for an Accident – This one isn’t a discount, but some insurance companies allow you one accident before your rates go up if your claims history is clear prior to being involved in the accident.
- Theft Prevention System – Cars and trucks with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
- Driver Safety – Participating in a class that teaches defensive driver techniques could save 5% or more if your company offers it.
- Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.
If you would like to see a list of providers that offer discounts, follow this link.
Tailor your insurance coverage coverage to you
When choosing the best insurance coverage coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.
For example, these questions can help discover whether your personal situation would benefit from professional advice.
- What are the best liability limits?
- Will I lose any money if I cancel my policy before it expires?
- Is my 2018 Buick Cascada covered for flood damage?
- Is my vehicle covered by my employer’s policy when using it for work?
- Should I buy only the required minimum liability coverage?
- Am I better off with higher deductibles on my 2018 Buick Cascada?
- Do all my vehicles need collision coverage?
- Is there coverage for injuries to my pets?
- Can I afford to buy a different vehicle if my 2018 Buick Cascada is totaled?
- What is covered by UM/UIM coverage?
If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.
Choices you make can impact your insurance prices
Consumers need to have an understanding of the factors that aid in calculating insurance rates. When consumers understand what determines premiums, this enables you to make decisions that may result in lower insurance prices. Many different elements are taken into consideration when quoting car insurance. Some are obvious such as your driving history, although others are less apparent such as your marital status or your vehicle rating.
The items below are some of the most rate-impacting factors used by insurance companies to determine your rates.
- Advanced GPS tracking and theft deterrents – Buying a car with an alarm system can help lower your rates. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder vehicle theft.
- Discounts for multiple policies – Most insurers afford discounts for people who consolidate policies with them in the form of a multi-policy discount. The discount can be ten or even fifteen percent. Even though this discount sounds good, it’s in your best interest to compare rates to confirm you are receiving the best rates possible. You may still save even more than the discount by insuring with multiple companies.
- Your address can push rates up or down – Living in a small town may provide you with better prices if you are looking for the lowest rates. People in densely populated areas regularly have traffic congestion and higher rates of accident claims. Lower population means fewer accidents as well as less vandalism and auto theft.
- Mature drivers pay less – Drivers with little experience tend to get distracted easily when at the wheel of a vehicle and because of this, their insurance rates are much higher. Parents adding a young driver onto a policy can be quite pricey. Mature drivers tend to be more responsible, tend to cause fewer accidents , and are generally more financially stable.
- Bad driving leads to higher costs – Having a clean driving record can have a huge impact on auto insurance premiums. Having just one ticket can increase rates by as much as twenty percent. Drivers with clean records get better prices as compared to careless drivers. Drivers who get dangerous tickets such as DUI or willful reckless driving may find they need to maintain a SR-22 with their state in order to continue driving.
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The largest companies are not always cheapest
Drivers can’t get away from ads for auto insurance savings from companies such as State Farm, GEICO and Progressive. They all tend to make the same promise about savings if you switch your auto insurance coverage to their company.
How do they all charge lower premium rates? Here is how they do it.
Many companies have specific criteria for the type of driver that will generate a profit. One example of a driver they prefer could be between the ages of 40 and 55, has other policies, and drives newer vehicles. A customer that hits that “sweet spot” will probably get cheap premium rates and most likely will cut their rates substantially.
Drivers who may not quite match those criteria will be charged higher prices and ends up with the customer buying from someone else. If you listen closely, the ads state “customers who switch” not “everyone that quotes” can save as much as they claim. That’s why insurance companies can confidently make the claims of big savings. This emphasizes why it is so important to compare quotes as often as possible. It is impossible to predict which auto insurance company will provide the lowest rates.
Car insurance coverage breakdown
Having a good grasp of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring.
Coverage for uninsured or underinsured drivers
This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Buick Cascada.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Coverage for medical expenses
Med pay and PIP coverage reimburse you for immediate expenses for X-ray expenses, doctor visits, dental work, prosthetic devices and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage
Comprehensive car insurance
This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like hitting a deer, fire damage, vandalism, rock chips in glass and theft. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Coverage for liability
This protects you from damage or injury you incur to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for things like repair bills for other people’s vehicles, emergency aid, medical services, court costs and repair costs for stationary objects. How much coverage you buy is up to you, but buy as large an amount as possible.
Collision coverage protection
Collision coverage pays for damage to your Cascada from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like hitting a mailbox, sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.
One last thing about your coverage
As you quote auto insurance, do not reduce coverage to reduce premium. There have been many situations where consumers will sacrifice full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at the lowest possible cost and still be able to protect your assets.
Consumers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, policy cancellation, lack of trust in their agent or being labeled a high risk driver. It doesn’t matter what your reason, choosing a new insurance company can be easier than you think.
Budget-friendly auto insurance is possible from both online companies and also from your neighborhood agents, so you should compare both to have the best selection. Some companies don’t offer online rate quotes and these regional carriers work with local independent agencies.
Additional detailed information is available in the articles below:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- Airbag FAQ (iihs.org)
- Red Light Cameras (State Farm)
- Choosing a Car for Your Teen (State Farm)
- Older Drivers FAQ (iihs.org)
Rates by U.S. City
|New York City, NY||$2,427|
|Los Angeles, CA||$2,622|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$118|
|5-yr Claim Free||$100|
|Paid in Full/EFT||$73|
Discounts are estimated and may not be available from every company or in every state.