Locating the cheapest insurance for your Buick Rainier in Pennsylvania can turn out to be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to buy car insurance so you're going to learn the quickest way to price shop coverage for a new or used Buick and find the lowest possible price from both online companies and Philadelphia agents.
A recent survey discovered that most Pennsylvania car insurance customers renewed their policy with the same company for a minimum of four years, and approximately 38% of consumers have never even compared quotes to find cheap rates. The average driver in America could save nearly $859 a year by just comparing quotes, but they feel it's too difficult to shop around.
Consumers should take time to compare premium rates before your policy renews since insurance prices are constantly changing. Even if you think you had the best deal on Buick Rainier insurance in Philadelphia last year you will most likely find a better rate today. Forget all the misinformation about car insurance because you're about to find out the tricks you need to know to get good coverage on Buick Rainier insurance in Philadelphia at a lower rate.
If you have coverage now or want to find a cheaper company, you will benefit by learning to reduce the price you pay without reducing coverage. Shopping around for the best-priced car insurance coverage in Philadelphia is quite easy. Consumers just have to understand the most time-saving way to get comparison quotes from many different companies online.
All major car insurance companies like Allstate and Progressive make it easy to get insurance quotes on their websites. Getting quotes for Buick Rainier insurance in Philadelphia is quite simple because it's just a matter of typing in your required coverages as detailed in the form. Once you submit the form, the quote system gets reports for credit and driving violations and quotes a price based on the information you submitted.
Getting online price quotes for Buick Rainier insurance in Philadelphia makes comparing rates easy, and it's also necessary to have as many quotes as possible if you are searching for affordable rates.
To quickly compare rates now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you duplicate the insurance coverages identical to your current policy. This ensures you will get an apples-to-apples comparison for similar coverage.
The auto insurance companies shown below are ready to provide price comparisons in Pennsylvania. If more than one company is shown, it's a good idea that you click on several of them to get the most affordable price.
Protect more than your Rainier
Despite the high insurance cost for a Buick Rainier in Philadelphia, insuring your vehicle is required by state law in Pennsylvania and it also provides benefits you may not be aware of.
- Almost all states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Rainier, most banks will require you to have physical damage coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Buick at an extremely high rate and require you to pay for the expensive policy.
- Insurance safeguards both your Buick Rainier and your assets. Insurance will pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.
The benefits of having insurance greatly outweigh the cost, especially when you need to use it. The average driver in Pennsylvania is overpaying over $700 annually so you should quote and compare rates at every renewal to ensure rates are inline.
Choices You Make Can Impact Your Insurance Prices
Lots of things are considered when you get a price on insurance. A few of the factors are predictable like an MVR report, although others are more transparent like your continuous coverage or your financial responsibility. An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for auto insurance. If you have a feel for what determines base rates, this enables informed choices that could help you find lower rates.
Teenage drivers pay more - Teenage drivers in Pennsylvania have been known to be easily distracted when driving with friends and because of this, their auto insurance rates are much higher. Older people have been proven to be more responsible, statistically cause fewer accidents, and are safer drivers.
Are men or women drivers cheaper? - Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn't prove that women are BETTER drivers than men. They both cause accidents at about the same rate, but men have accidents that have higher claims. Men also tend to get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 have the highest risk to insure and thus pay the highest rates.
Never let your policy expire - Having a gap between insurance policy dates can be a quick way to increase your auto insurance rates. And not only will insurance be more expensive, the inability to provide proof of insurance could result in a revoked license or a big fine. You could then be forced to file a SR-22 with the Pennsylvania motor vehicle department to get your license reinstated.
High coverage deductibles cost less - Your deductibles represent how much money you are willing to pay if a claim is determined to be covered. Insurance for physical damage, aka comp and collision, covers damage that occurs to your car. A few examples of covered claims are a windshield broken by a bird, damage from fire, and damage caused by road hazards. The larger the amount the insured is willing to pay, the less money you will pay for auto insurance.
Don't buy extra policy coverages that aren't used - There are a lot of extra bells and whistles that may not really be needed if you don't pay attention. Coverages like replacement cost coverage, better glass coverage, and extra equipment coverage may be wasting your money. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so remove them from your policy.
Insurance rates in urban areas - Living in a rural area has definite advantages when talking about auto insurance. Drivers in populated areas have traffic congestion and longer commute times. Fewer people means reduced accidents and a lower car theft rate.
Premiums are affected by your credit score - Having a bad credit rating can be an important factor in calculating your auto insurance rates. If your credit score leaves room for improvement, you could be paying less to insure your Buick Rainier by taking the time to improve your credit score. Consumers who have excellent credit tend to file fewer claims and have better driving records than those with poor credit scores.
Earn discounts to get lower-cost Philadelphia insurance quotes
The cost of insuring your cars can be expensive, but you may be missing some discounts that could help you make your next renewal payment. Certain discounts will be applied when you purchase, but once in a while a discount must be asked for prior to getting the savings. If you're not getting every credit you deserve, you could be paying more than you need to.
- Telematics Data - Drivers who elect to allow data collection to scrutinize driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
- Good Students Pay Less - Getting good grades could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
- Active Military Service - Being on active duty in the military could qualify you for better insurance rates.
- Multiple Vehicles - Drivers who insure multiple vehicles on the same insurance policy could earn a price break for each car.
- First Accident Forgiveness - Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
- No Accidents - Insureds with no claims or accidents are rewarded with significantly better rates on Philadelphia car insurance quote as compared to drivers who are more careless.
- Seat Belts Save more than Lives - Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more off PIP or medical payments premium.
- Multi-line Discount - Larger insurance companies have lower insurance rates if you buy life insurance from them.
Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you can get free auto insurance, it doesn't quite work that way.
A few of the larger companies and some of the premium reductions they offer are outlined below.
- American Family may have discounts that include TimeAway discount, bundled insurance, Steer into Savings, mySafetyValet, and good student.
- Farm Bureau offers discounts for multi-vehicle, good student, multi-policy, youthful driver, and safe driver.
- State Farm may offer discounts for student away at school, multiple autos, passive restraint, good driver, anti-theft, Drive Safe & Save, and multiple policy.
- Travelers has savings for hybrid/electric vehicle, IntelliDrive, save driver, student away at school, home ownership, and continuous insurance.
- The Hartford discounts include anti-theft, air bag, defensive driver, driver training, and good student.
- GEICO has discounts for military active duty, seat belt use, good student, air bags, and five-year accident-free.
- Progressive policyholders can earn discounts including continuous coverage, online signing, online quote discount, multi-vehicle, homeowner, good student, and multi-policy.
Before you buy a policy, ask every prospective company the best way to save money. Some of the discounts discussed earlier might not apply in Philadelphia.
Situations that may require an agent's advice
When quoting and choosing the best insurance coverage, there really is not a one-size-fits-all type of policy. Everyone's situation is unique.
Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.
- Am I covered if hit by an uninsured driver?
- Does insurance cover tools stolen from my truck?
- What exactly is covered by my policy?
- Is a driver training discount available?
- How high should deductibles be on a Buick Rainier?
- Where can I get insurance after a DUI in Pennsylvania?
If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.
Insurance agent or online?
Some consumers just prefer to visit with an insurance agent and that is a smart decision Licensed agents can point out coverage gaps and help file insurance claims. The best thing about comparing insurance online is the fact that drivers can get lower rates and still have a local agent.
Once you complete this quick form, your coverage information is emailed to participating agents in Philadelphia who will gladly provide quotes for your coverage. It's much easier because you don't need to do any legwork because prices are sent immediately to you. If you wish to get a price quote for a specific company, don't hesitate to jump over to their website and fill out their quote form.
Finding the right insurer requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- Which members of your family are coverage by the policy?
- Does the agent have a valid license to sell insurance in Pennsylvania?
- Do they offer accident forgiveness?
- Does the agency have a current Errors and Omissions policy?
- Can you get a list of referrals?
If you are searching for a reliable insurance agent, it can be helpful to understand the types of agencies and how they function. Agents in Philadelphia can be categorized as either independent agents or exclusive agents depending on their employer. Either type can properly insure your vehicles, but it's worth learning how they differ since it may influence your selection of an agent.
Exclusive Insurance Agencies
Agents that choose to be exclusive work for only one company and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agencies receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums. Many people choose to use a exclusive agent mostly because of the prominent brand name instead of buying on price only.
Listed below are exclusive insurance agents in Philadelphia that are able to give comparison quotes.
- Steven Breinlinger - State Farm Insurance Agent
7904 Germantown Ave - Philadelphia, PA 19118 - (267) 323-2923 - View Map
- George Kweder - State Farm Insurance Agent
1521 W Oregon Ave - Philadelphia, PA 19145 - (215) 467-1837 - View Map
- Ahida Garcia - State Farm Insurance Agent
716 Adams Ave Ste 8 - Philadelphia, PA 19124 - (215) 533-5550 - View Map
Independent Insurance Agents
Independent agencies are not employed by one company and that enables them to quote your coverage with lots of companies and find you cheaper rates. If they quote lower rates, they simply move your policy to a different company and you don't have to switch agencies. When comparing rates, you will definitely want to get quotes from at a minimum one independent agency to get the best comparison. Many write coverage with lesser-known insurance companies that many times have cheaper rates.
Below are independent agencies in Philadelphia that can give you comparison quotes.
- Fabey Insurance Agency
619 E Girard Ave - Philadelphia, PA 19125 - (215) 425-7640 - View Map
- Larry Lewis Insurance Agency, LLC
4548 Market St #208 - Philadelphia, PA 19139 - (215) 243-4110 - View Map
- Terra Insurance Services
1879 Cottman Ave - Philadelphia, PA 19111 - (215) 742-3743 - View Map
Quote more to save more
Drivers who switch companies do it for many reasons like not issuing a premium refund, high rates after DUI convictions, policy cancellation and an unsatisfactory settlement offer. Whatever your reason, finding a new insurance company is easier than you think.
When searching for affordable Buick Rainier insurance quotes, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. The goal is to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.
We just presented a lot of tips how to reduce Buick Rainier insurance rates online in Philadelphia. The key thing to remember is the more price quotes you have, the better chance you'll have of finding cheaper Philadelphia car insurance quotes. You may even find the best rates are with some of the lesser-known companies.
- Choosing a Car for Your Teen (State Farm)
- What Car Insurance is Cheapest for a Ford Explorer in Philadelphia? (FAQ)
- What Insurance is Cheapest for a Company Car in Philadelphia? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Hyundai Elantra in Philadelphia? (FAQ)
- How Much are Auto Insurance Rates for High School Students in Philadelphia? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- State Car Insurance Guides (GEICO)
- Teen Driver Licensing Information (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)