If saving money is your primary concern, then the best way to get cheaper car insurance rates is to annually compare prices from insurers in Greensboro.
- First, get an understanding of how companies price auto insurance and the measures you can control to keep rates in check. Many rating criteria that drive up the price like traffic citations and an unacceptable credit history can be rectified by being financially responsible and driving safely.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from many different companies.
- Third, compare the new rate quotes to your existing coverage and determine if there is any savings. If you can save money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
The most important part of this process is to compare identical coverage information on each quote request and and to get rate quotes from as many different insurance providers as possible. This guarantees a level playing field and a complete selection of prices.
It’s safe to assume that insurance companies don’t want their customers to go rate shopping. People who shop for lower prices will presumably switch companies because there are good odds of finding lower prices. Remarkably, a study showed that drivers who routinely shopped around saved an average of $72 a month compared to those who never compared rates.
If finding the cheapest price for insurance in Greensboro is why you’re reading this, learning the best way to compare insurance can help simplify the process.
The majority of larger companies such as Allstate and Progressive make it easy to get coverage prices on the web. Comparing Buick Rendezvous insurance rates online is fairly simple as all you need to do is type in your required coverages on the page. When complete, their system pulls credit information and your driving record and gives you a price quote based on many factors. Quoting online for Buick Rendezvous insurance in Greensboro makes comparing rates easy, and it is imperative to have as many quotes as possible if you are searching for cheap prices.
To find out if lower rates are available, take a look at the companies shown below. If you have your current policy handy, we recommend you replicate your coverages identical to your current policy. This way, you are getting comparison quotes using the exact same coverages.
The companies shown below provide comparison quotes in Greensboro, NC. If your goal is to find cheap car insurance in Greensboro, we recommend you click on several of them in order to find the lowest rates.
These seven discounts can lower Buick Rendezvous insurance rates
Some companies don’t always publicize the entire discount list very well, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious credits that may apply to you. If you’re not getting every credit you deserve, you’re paying more than you need to.
- Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Allstate, Progressive, and GEICO may permit one accident before raising your premiums so long as you are claim-free for a particular time prior to the accident.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a Greensboro auto insurance quote.
- Early Signing – A few companies allow discounts for renewing your policy prior to your current Rendezvous insurance policy expiring. It’s a savings of about 10%.
- Claim-Free Discount – Insureds with no claims or accidents pay less compared to drivers with a long claim history.
- Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
- Save with a New Car – Buying insurance on a new vehicle may earn a small discount because new model year vehicles keep occupants safer.
Drivers should understand that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. Just because it seems like you can get free auto insurance, nobody gets a free ride.
Companies that possibly offer some of the discounts shown above include:
When comparing rates, check with every insurance company to give you their best rates. Some discounts listed above may not apply in Greensboro. To see insurers that offer some of these discounts in Greensboro, click here to view.
Comparing rates from local Greensboro insurance agents
Many people still prefer to have an agent’s advice and that is just fine! Insurance agents can make sure you are properly covered and help file insurance claims. One of the benefits of getting online price quotes is that drivers can save money and get lower rates but still work with a licensed agent. And providing support for local insurance agents is important especially in Greensboro.
By using this form (opens in new window), your information is emailed to local insurance agents that can provide free Greensboro auto insurance quotes for your insurance coverage. It’s much easier because you don’t need to search for an agent as quotes are delivered to you instantly. If you want to get a rate quote from one company in particular, just jump over to their website to submit a rate quote request.
When looking for a reputable insurance agent or broker, you must know there are a couple different types of agents and how they are slightly different. Agents can be categorized as either exclusive or independent (non-exclusive). Either type can insure your vehicles, but it’s worth mentioning the subtle differences since it may influence your selection of an agent.
Independent Car Insurance Agents
Independent agents are not locked into one company and that allows them to write policies through lots of different companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and you stay with the same agent.
When comparing rate quotes, we recommend you get some free quotes from at a minimum one independent agency to ensure the widest selection of prices.
Featured below is a short list of independent insurance agencies in Greensboro that may be able to give free price quotes.
Nationwide Insurance: O Hanlon Insurance and Financial Services
5411D W Friendly Ave d – Greensboro, NC 27410 – (336) 288-1208 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive normally can only provide a single company’s rates and examples are Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive insurance agents are trained well on the products they sell which helps overcome the inability to quote other rates.
Shown below are exclusive agencies in Greensboro willing to provide comparison quotes.
Picking the best car insurance agent should depend on more than just a low price. The questions below may impact your decision as well.
- Do they get paid more for recommending certain coverages?
- Are they primarily personal or commercial lines agents in Greensboro?
- Does the agency have a good rating with the Better Business Bureau?
- Are aftermarket or OEM parts used to repair vehicles?
- If you raise deductibles, how much can you save?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
If you get good responses to these questions as well as a price you’re happy with, you may have found an auto insurance agent that meets the criteria to provide car insurance coverage.
It’s not one size fits all
Always remember that when buying a policy for your vehicles, there is no single plan that fits everyone. Each situation is unique and your policy should reflect that.
For example, these questions could help you determine if you may require specific advice.
- Should I rate my Buick Rendezvous as pleasure use or commute?
- Is my vehicle covered by my employer’s policy when using it for work?
- How much liability do I need to cover my assets?
- Am I covered if hit by an uninsured driver?
- Does insurance cover tools stolen from my truck?
- Will damage be repaired with OEM parts?
- Is my camper covered for physical damage?
- Can I rent a car in Mexico?
If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Coverages available on your policy
Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.
Auto collision coverage
This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things such as damaging your car on a curb, backing into a parked car, crashing into a building, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Rendezvous to save money on collision insurance.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since many North Carolina drivers have only the minimum liability required by law (30/60/25 in North Carolina), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.
Liability insurance will cover damages or injuries you inflict on people or other property. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 30/60/25 which stand for a $30,000 limit per person for injuries, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things like structural damage, emergency aid and court costs. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford. North Carolina state minimum liability requirements are 30/60/25 but you should consider buying more coverage.
The chart below demonstrates why buying minimum limits may not be adequate coverage.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like funeral costs, nursing services and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, a broken windshield, rock chips in glass, falling objects and hail damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Don’t give up on cheaper coverage
We just showed you a lot of tips how to compare Buick Rendezvous insurance rates in Greensboro. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may even discover the best rates are with a smaller regional carrier. These smaller insurers may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Progressive and GEICO.
Cost effective Buick Rendezvous insurance can be purchased from both online companies in addition to many Greensboro insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not provide price quotes online and usually these regional insurance providers only sell coverage through independent agents.
When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your goal is to buy the best coverage you can find at the best cost while still protecting your assets.
Additional information is located at the links below
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Who Has the Cheapest Greensboro Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- Who Has Cheap Greensboro Car Insurance Rates for Business Use? (FAQ)
- Who Has Cheap Greensboro Auto Insurance Rates for a Subaru Outback? (FAQ)
- Who Has the Cheapest Greensboro Auto Insurance for Good Drivers? (FAQ)
- Who Has the Cheapest Greensboro Auto Insurance for Electric Cars? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Older Driver Statistics (Insurance Information Institute)
- Information for Teen Drivers (GEICO)