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Buick Encore Insurance Rates

You have many choices when attempting to insure your Buick vehicle. You can either buy through a local agent or go online to check prices from many different car insurance companies. Finding cheaper car insurance through online rate quotes can be fast and easy, in addition you might just save a little.

If you are a novice to online car insurance shopping, you may be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The fastest way to find competitive Encore insurance quotes is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine Buick insurance rates

Auto insurance rates on a Buick Encore can vary widely depending on several factors. A few of these criteria are:

  • Higher performance Encore vehicles cost more
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Young drivers cost more
  • Having a spouse can save money
  • Optional coverages like vehicle replacement
  • What you do for a living
  • The amount of protection requested
  • Owning a home can lower rates

A final factor which can affect Encore insurance rates is the model year. Models that are a few years old have a much lower replacement value in comparison to older models so the cost to replace them may result in lower rates. But more recent Buick vehicles may have a trim level with safety features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which can give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Encore from the following list.

Auto liability

This coverage will cover injuries or damage you cause to people or other property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying higher limits if possible.

Auto collision coverage

This will pay to fix damage to your Buick resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Encore can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your Buick Encore comprehensive insurance. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Buick Encore Insurance Rates?