Car Insurance Quotes for the Buick Encore

Good things come in small packages, and the compact Buick Encore is a perfect example. Your crossover can zip in and out of traffic and tight parking spaces and avoid accidents with all its safety features. But, regardless, you must still protect yourself with either a full coverage policy for about $168 monthly or a minimum liability policy averaging $90 per month.

Don’t rely on those numbers, though, because they are rough national averages. Check with your Freeway agent to get an exact price for the most affordable car insurance that will fit within your budget and protect you financially.

Depending on the level of protection you want for your vehicle, you can choose from several types of car insurance coverage. You can discuss what is or isn’t necessary and the bare minimum you should obtain with your trusted Freeway agent. The following are the two most common options people choose.

Full Coverage

A lot can happen to a vehicle while it’s parked. It can get stolen, or kids playing catch can throw a ball through a window or dent the body of the car. Flooding or falling branches from natural disasters can total a vehicle. While you’re on the road, you might cause an accident in which your car gets damaged. Unless you have full coverage insurance, which costs approximately $168 monthly, you would have to cover your own losses if any of the above happens. With this type of policy, your insurer would help pay for your damages.

State Minimum Liability

Each state has a set of minimum coverage requirements every driver must adhere to before operating a vehicle. Referred to as state minimum liability, you can expect to pay an average of $90 per month for this type of policy. The price is more appealing than a full coverage plan, but there are drawbacks.

One problem is that this type of policy doesn’t cover damages to your vehicle when you cause an accident. Another issue is that many states require a relatively low limit of coverage. If you’re at fault for an accident, the damages could exceed your coverage limits, and you might have to pay for some of the other party’s losses out of pocket.

Insurers compile a lot of information before giving you a quote. They look at a host of details and statistics that help them determine how much they charge you. The list of details that could affect your premiums is exhaustive, but here are a few of those factors:

Your Credit Score

Many states allow insurers to use credit scores to help them determine premium amounts. Statistics show some correlation between good financial habits and safe driving.

Loss Probability

Every carrier looks at accident and theft rates where you live before setting your premiums. The location of your residence can make a huge difference to your rate.

Vehicle Features

Insurers look at the safety features of your car since they help you avoid accidents. The same applies to features that prevent thieves from stealing your vehicle. The more of these you have, the lower your rate.

The cost of your premiums is very much risk-based, and if you have a DUI on your record, you’re considered a high-risk driver for coverage purposes and will have to pay more for coverage. It’s not a penalty; it’s because people who operate vehicles while intoxicated are more likely to cause an accident. Since there is an increased probability that the insurer might have to pay out claims, they will mitigate that risk by charging higher premiums.

Did you know you might get a safe driver discount if you have a clean record after several years behind the wheel? Insurers might also offer you a multi-policy discount if you get more than one policy — like homeowners and auto coverage — with them. Ask your insurer what other discounts you might qualify for because there are quite a few available.

The Buick Encore is a compact subcompact crossover that’s perfect for any neighborhood where parking spaces might be at a premium. It offers drivers an SUV experience without taking up the entire road or guzzling too much gas. In production since model year 2013, the original models offered a generous 25 miles per gallon for city driving and 33 mpg on the highway. Plenty of room for five passengers and cargo makes this an excellent family car.