2007 Buick Rendezvous Insurance Quotes – 6 Tricks for Cheaper Rates

Trying to find cheaper insurance coverage rates for your Buick Rendezvous? Nobody enjoys paying for insurance coverage, particularly when their premiums are through the roof.

Lots of auto insurance companies contend to insure your vehicles, and it can be difficult to compare rates and uncover the absolute cheapest price

You should make it a habit to get comparison quotes on a regular basis because rates fluctuate regularly. Even if you think you had the best deal for Rendezvous insurance a year ago you can probably find a lower rate today. You can find a lot of wrong information about insurance coverage on the web, but we’re going to give you the best ways to buy insurance coverage cheaper.

Verify you’re getting all your discounts

Car insurance companies don’t list every available discount in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known car insurance savings.

  • Use Seat Belts – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Distant Student – Youth drivers living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Good Student – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Bundle and Save – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.

It’s important to note that most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

Companies that may offer these benefits include:

Before buying, ask every prospective company which discounts you may be entitled to. Savings may not apply everywhere.

When should I talk to an agent?

When it comes to buying adequate coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions might point out if you would benefit from professional advice.

  • Am I missing any policy discounts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Where can I get insurance after a DUI in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your policy

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Buick Rendezvous.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for liability

This coverage protects you from damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, structural damage, repair costs for stationary objects, emergency aid and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses like chiropractic care, surgery and ambulance fees. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, theft and hail damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage pays for damage to your Rendezvous resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Save your cold hard cash

In this article, we presented a lot of ways to lower your 2007 Buick Rendezvous insurance rates. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the lowest premiums are with a small mutual company. Some small companies can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.

Affordable insurance is possible from both online companies as well as from independent agents, and you should compare price quotes from both to have the best selection. There are still a few companies who don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

To learn more, feel free to browse the resources below: