Did you come to the realization that you have high-priced Buick Rainier insurance in Colorado Springs? Believe me when I say you’re not the only one.
A recent study showed that nearly 70% of consumers have purchased from the same company for at least four years, and 38% of customers have never quoted rates to find lower-cost coverage. Colorado Springs drivers could save approximately 35% each year by just shopping around, but they don’t want to take the time to compare rate quotes. Lots of insurance companies contend for your insurance dollar, so it’s not easy to compare every insurer and get the best coverage at the lowest rate on Buick Rainier insurance in Colorado Springs.
Cutting your auto insurance rates can be surprisingly simple. All that’s required is to take time comparing free Colorado Springs car insurance quotes to find the company with the cheapest Buick Rainier rate quotes.
It’s so simple to compare auto insurance rate quotes online takes the place of having to actually drive to all the different insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you’re the type of person who wants the peace of mind only provided by licensed agents. It is possible with some companies find lower rates online but purchase the actual policy in an agency.
The companies shown below have been selected to offer comparison quotes in Colorado Springs, CO. To locate the cheapest auto insurance in Colorado Springs, it’s highly recommended you compare several of them to get the most competitive price.
Buick Rainier Insurance Rates Can Be Reduced
The best way to find cheaper insurance is to take a look at a few of the rating criteria that are used to determine insurance rates. When you know what positively or negatively influences your rates, this enables informed choices that could help you find better insurance rates.
Males pay higher premiums – Over the last 50 years, statistics have shown females are less aggressive when driving. It does not mean men are WORSE drivers than women. Females and males tend to get into at-fault accidents at about the same rate, but men cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive insurance rates.
Lower rates by staying claim free – If you file a lot of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Companies in Colorado give the best rates to policyholders who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.
Deter car thieves – Buying a car with a theft deterrent system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
Pleasure use or commuting – The more you drive every year the higher the price you pay to insure it. A lot of insurance companies charge rates based on their usage. Cars used primarily for pleasure use can be on a lower rate level than those that get driven frequently. Verify your insurance coverage is showing the correct usage for each vehicle, because improper ratings can cost you money. An improperly rated Rainier can result in significantly higher rates.
Teen drivers pay high rates – Teen drivers in Colorado are statistically shown to be easily distracted behind the wheel therefore insurance rates are much higher. Parents adding a inexperienced driver to your insurance policy can break the bank. More experienced drivers are more responsible, tend to file fewer claims, and receive fewer citations.
Better premiums for no policy lapses – Letting your insurance expire will be a quick way to increase your renewal premiums. In addition to paying higher premiums, the inability to provide proof of insurance will get you fines or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with the Colorado department of motor vehicles.
Raise your physical damage deductibles for better premiums – Your deductibles represent how much money you are required to spend out-of-pocket before your insurance pays a claim. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims are rear-ending another vehicle, fire damage, and having a roll-over accident. The higher the amount you are required to pay out-of-pocket, the less your insurance will be.
Only buy incidental coverages you need – There are a lot of extra bells and whistles that may not really be needed if you don’t pay attention. Coverage for things like rental car coverage, towing, and Farm Bureau memberships may be wasting your money. You may think they are a good idea at first, but if they’re wasting money eliminate the coverages to reduce your premium.
Protect your Rainier and other assets
Despite the potentially high cost of Buick Rainier insurance, insurance may be required for several reasons.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability protection if you want to drive legally. 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 you have a lien on your Buick, it’s most likely the lender will force you to carry insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Buick for a lot more money and make you pay a much higher amount than you were paying before.
- Insurance safeguards not only your Buick but also your financial assets. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your Buick gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of buying auto insurance definitely exceed the price paid, especially for larger claims. According to a survey of 1,000 drivers, the average driver is wasting up to $830 a year so it’s important to compare rates at least once a year to ensure rates are competitive.
Ratings for Colorado car insurance companies
Buying coverage from a good quality auto insurance provider is hard considering how many different companies sell coverage in Colorado Springs. The information shown next could help you analyze which providers to look at comparing price quotes from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies