Has it been a year or more since you last compared quotes for more competitive Buick Rainier insurance in Denver? Searching for better insurance prices for a Buick Rainier in Colorado can be a lot of work, but you can follow these tips to save time.
There is a right way and a wrong way to buy insurance so we’re going to tell you the best way to get price quotes for a Buick and get the cheapest rates.
The method we recommend to get policy rate comparisons for Buick Rainier insurance in Denver is to know the trick car insurance companies participate in online systems to provide you with free rate quotes. To get started, all you need to do is take a few minutes to give details including your education level, types of safety features, if you require a SR-22, and distance driven. Your details is automatically sent to multiple top-rated companies and you receive quotes with very little delay.
If you wish to get multiple quotes for your car now, click here and see if a lower rate is available in Denver.
The companies in the list below are ready to provide price quotes in Colorado. If several companies are displayed, we recommend you visit as many as you can to get the best price comparison.
Take these seven policy discounts and save on Buick Rainier insurance in Denver
Some insurance providers do not advertise the complete list of policy discounts in an easy-to-find place, so below is a list both well-publicized and also the lesser-known discounts that may be available.
- New Car Discount – Insuring a new Rainier can save up to 30% compared to insuring an older model.
- Life Insurance Discount – Insurance companies who offer life insurance give better rates if you take out some life insurance too.
- Claim Free – Drivers with accident-free driving histories are rewarded with significantly better rates on Denver car insurance quote compared to insureds who have frequent claims or accidents.
- Seat Belts Save – Requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Drive Safe and Save – Safe drivers can pay as much as 50% less than less cautious drivers.
- Passive Restraints and Air Bags – Vehicles equipped with air bags may qualify for discounts up to 30%.
- Accident Forgiveness – Not necessarily a discount, but a few companies such as GEICO and Allstate may permit one accident without raising rates as long as you don’t have any claims prior to being involved in the accident.
A quick disclaimer, some of the credits will not apply to the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So even though it sounds like you could get a free auto insurance policy, you won’t be that lucky.
To find providers that offer discounts in Denver, click this link.
It may be expensive, but it’s not optional
Despite the potentially high cost of Buick Rainier insurance, auto insurance serves an important purpose.
- The majority of states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability insurance in order to get the vehicle licensed. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your Buick has a loan, it’s guaranteed your bank will require that you have physical damage coverage to ensure loan repayment if the vehicle is totalled. If you do not keep the policy in force, the bank or lender will purchase a policy for your Buick for a much higher rate and force you to pay the higher premium.
- Auto insurance protects not only your Buick but also your assets. It will also cover medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, your policy will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance more than offset the price you pay, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is wasting up to $750 every year so it’s recommended you shop around at every policy renewal to ensure rates are competitive.
Independent and exclusive auto insurance agents
Many drivers still prefer to buy from a local agent and that can be a great decision Good agents are highly skilled in risk management and will help you if you have claims. A nice benefit of comparing insurance prices online is that you can obtain better rates but also keep your business local. Putting coverage with local insurance agents is important especially in Denver.
For easy comparison, once you complete this quick form, your information is submitted to insurance agents in Denver who will return price quotes to get your business. You never need to find an agent as quotes are delivered to the email address you provide. If you have a need to compare rates from a specific insurance provider, feel free to visit that company’s website and submit a quote form there.
If you are wanting to purchase insurance from a reputable agency, you must know there are a couple different agency structures that you can select. Agencies in Denver are categorized either independent (non-exclusive) or exclusive. Both types of agents can sell affordable insurance policies, but it is important to understand the differences since it may influence buying decisions.
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company and that gives them the ability to insure with an assortment of companies and get you the best rates possible. If your agent finds better pricing, they simply move your policy to a different company without you having to go to a different agency. If you are comparing rate quotes, you need to contact several independent agencies to ensure the widest selection of prices. Many can place coverage with mutual insurance companies who may have lower rates.
Below is a short list of independent agencies in Denver who may provide competitive price quotes.
- Insurance Town and Country
1735 E 17th Ave #3 – Denver, CO 80218 – (303) 388-7216 – View Map
- Moschetti Michael – Isu Insurance Svc Of Co
950 17th St #1000 – Denver, CO 80202 – (303) 534-2133 – View Map
- Alliance General Insurance Agency
2696 CO-2 – Denver, CO 80222 – (303) 377-1172 – View Map
Agents of this type are contracted to one company like Farmers Insurance, State Farm, Allstate, and AAA. They are unable to place coverage with different providers so it’s a take it or leave it situation. Exclusive agents are highly trained on what they offer which helps them sell on service rather than price. Some insured continue to purchase coverage from exclusives primarily because of the brand legacy rather than having low rates.
The following is a list of exclusive insurance agencies in Denver who can help you get price quotes.
- Farmers Insurance Agent Mike
I-25 – Denver, CO 80231 – (303) 752-2900 – View Map
- Allstate Insurance: Jack Sughrue
3401 Quebec St Ste 9400 – Denver, CO 80207 – (303) 377-4767 – View Map
- Val Laskowski – State Farm Insurance Agent
5353 W Dartmouth Ave #410 – Denver, CO 80227 – (303) 987-8849 – View Map
Choosing the best auto insurance agent shouldn’t rely on just a cheap price quote. Agents should be asked these questions:
- Do they review policy coverages at every renewal?
- Do they prorate repair cost based on vehicle mileage?
- Are you getting all the discounts the company offers?
- Does the agency have a current Errors and Omissions policy?
- Does the agent have professional designations like CIC, CPCU or AIC?
- If your car is totalled, how to they determine the replacement cost?
- Is the coverage adequate for your vehicle?
Upon receiving good feedback to your questions and a low price estimate, chances are good that you have found an insurance agency that meets the criteria to insure your vehicles. But keep in mind you can always cancel a policy at any time so don’t assume that you’re stuck with any specific company for the entire policy term.
Auto insurance coverage basics
Learning about specific coverages of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.
Comprehensive auto insurance – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like hitting a bird, hitting a deer and vandalism. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverages – This pays for damage to your Rainier resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things like hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible on your Rainier to get cheaper collision coverage.
Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/15 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $15,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like court costs, funeral expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible. Colorado state minimum liability requirements are 25/50/15 but drivers should carry higher limits.
Coverage for uninsured or underinsured drivers – This provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Buick Rainier.
Because many people carry very low liability coverage limits (25/50/15 in Colorado), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits do not exceed the liability coverage limits.
Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as dental work, EMT expenses and doctor visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible