Get Instant Savings on Buick Rendezvous Insurance

No one looks forward to buying car insurance, especially knowing they are paying too much.

Since consumers have many different company options, it can be diffult for consumers to pick the most cost effective insurance company.

You should take the time to do rate comparisons quite often since insurance rates change regularly. Just because you had the lowest rates for Rendezvous coverage last year there may be better deals available now. Starting right now, ignore everything you know about car insurance because I’m going to teach you the tricks you need to know to properly buy coverages and cut your premium.

The purpose of this post is to let you in on how to get online quotes and some tips to save money. If you have car insurance now, you will be able to reduce your rates substantially using this strategy. Nevertheless, Nevada consumers must know how insurance companies compete online because it can help you find the best coverage.

Lots of discounts mean lots of savings

The price of auto insurance can be rather high, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be specially asked for prior to receiving the credit.

Paperless Signup – A few companies will give a small break for buying a policy and signing up on their website.
Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
Discount for Life Insurance – Some companies give a discount if you purchase life insurance from them.
Safe Driver Discount – Safe drivers may receive a discount up to 45% less for Rendezvous coverage than drivers with accident claims.
Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
Defensive Driving Course – Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.

It’s important to understand that some credits don’t apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous. But any discount will bring down your premiums.

Compare the Market for Car Insurance in Nevada

To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. By far the easiest way to compare insurance prices is simply to get online rate quotes. This can be done in a couple of different ways.

One of the simplest ways to find low rates would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing repetitive form submissions for each company you want a rate for. One quote request will return price quotes instantly.
A different way to get comparison quotes is going to the website for every company you want to comare and fill out their own quote form. For instance, we’ll assume you want comparison quotes from State Farm, 21st Century and American Family. You would have to visit each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
The least recommended way of comparing rate quotes is driving to different agent offices. Buying insurance online has reduced the need for local agents unless you require the professional advice of a local agent. You can, however, get the lowest quotes online but still have the advice of a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but make sure you use the exact same quote information for each comparison quote. If the quotes have mixed coverages then you won’t be able to determine which rate is truly the best. Just a small difference in coverage limits can mean a large discrepancy in price. And when price shopping your coverage, obtaining a wide range of quotes will enable you to find lower pricing.

These factors can influence what you pay for Buick Rendezvous insurance

Smart consumers have a good feel for the different types of things that help determine car insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to better car insurance rates.

The following are some of the items companies use to determine prices.

Do you need those extra coverages? – There are a ton of extra bells and whistles you can purchase on your car insurance policy. Insurance for rental car reimbursement, better glass coverage and motor club memberships may be wasting your money. They may seem good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
High deductibles save money – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Buick. Examples of covered claims are collision with another vehicle, damage caused by hail, and rolling your vehicle. Physical damage deductibles are how much you are willing to pay in the event of a claim. The more money you’re willing to pay, the less your car insurance will be for Rendezvous coverage.
Never go without insurance – Allowing your coverage to lapse is a guaranteed way to bump up your car insurance costs. Not only will rates go up, but being ticketed for driving with no insurance will get you a license revocation or jail time.You may need to file a SR-22 with the Nevada DMV.
Performance makes a difference – The performance of the car you own makes a significant difference in the rate you pay. Since the Buick Rendezvous falls in the standard SUV class, rates will be slighty more than the average rate where you live. Low performance passenger vehicles generally receive the lowest base rates, but there are many factors that impact the final cost.
Don’t skimp on liability – The liability section of your policy provides coverage when you are found liable for damages from an accident. Liability provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
Car features impact rates – Owning a car that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
Big city or small town – Residing in a small town can be a good thing when buying car insurance. Urban drivers tend to have much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.

Don’t assume everyone needs the same coverage

When buying the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different and your policy should reflect that. For example, these questions might point out whether or not you could use an agent’s help.

Why is insurance for a teen driver so high in Nevada?
Do I have coverage if my license is suspended?
Do I have coverage when making deliveries for my home business?
Does medical payments coverage apply to all occupants?
Can I pay claims out-of-pocket if I buy high deductibles?
Is my nanny covered when driving my vehicle?
Where can I get insurance after a DUI in Nevada?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Online quotes with a local Nevada insurance agent

Some consumers just want to visit with an insurance agent. The biggest benefit of price shopping on the web is the fact that you can find lower rates but also keep your business local. Buying from small agencies is important particularly in smaller rural communities.

By using this short form, your insurance coverage information is instantly submitted to agents in your area who will compete to get your business. There is no reason to visit any agencies due to the fact that quote results will go to your email. How cool is that?! Get lower rates AND a local agent.

Independent or Captive: It’s your choice

If you’re trying to find a reliable agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Nevada are classified as either independent (non-captive) or captive.

Independent Insurance Agents

These agents are not employed by any specific company but instead can place your coverage with lots of companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies. When comparing rates, we recommend you contact several independent insurance agents to get the best comparison.

Captive Insurance Agents

Captive agents can only place business with one company such as Liberty Mutual, State Farm, Allstate and AAA. Captives cannot place coverage with different providers so they have no alternatives for high prices. Captive agents are very knowledgeable in insurance sales and that can be a competitive advantage.

For a full directory of agents in Nevada, view this site.

Deciding on an insurance agent requires more thought than just the price. Ask your prospective agent these questions:

Do they regularly work with personal auto policies?
Do clients work directly with the agent or are most inquiries handled by a CSR?
What insurance companies do they recommend if they are an independent agent?
How long has their agency been open?
Are they able to influence company decisions when a claim is filed?
Which insurance companies are they affiliated with?
Do they receive special compensation for putting your coverage with one company over another?

Once you have good answers for all questions you ask and locked in a price quote, most likely you have located a car insurance agent that meets your needs to service your policy.

Don’t be fooled by advertising claims

Companies like Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. All the ads say the same thing that you’ll save big if you move to their company. But how can every company claim to save you money? It’s all in the numbers.

All the different companies can use profiling for the driver that earns them a profit. For instance, a preferred risk might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who meets those qualifications is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential insureds who fall outside this ideal profile will be quoted a more expensive rate and ends up with business not being written. Company advertisements say “customers that switch” not “people who quote” save money. That’s why companies can truthfully make those claims.

This emphasizes why it is so important to get quotes from several different companies. It’s not possible to predict which company will give you the biggest savings.

Quote more, save more

When you buy insurance online, never buy less coverage just to save a little money. Too many times, consumers will sacrifice liability coverage limits only to find out they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

Cheaper Buick Rendezvous insurance can be purchased both online and with local Nevada insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

More information is available on the website for the Nevada Division of Insurance found here. Visitors are able to download brochures, read enforcement actions against agents and companies, and file complaints about a company.