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The Buick Encore is a near-luxury subcompact SUV on the market. According to a recent study, low gas mileage and enough room for the family appears to be popular among consumers. While the Buick Encore is compact, it has high safety ratings.
You'll want to make sure your Buick Encore has proper car insurance, and an independent insurance agent will help you find a policy that does a great job of protecting you.
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What Kind of Insurance Do You Need for Your Buick Encore?
There are various options when it comes to insuring your Buick Encore. Some states will have insurance requirements for you to be on the road, and other optional coverages. Talking with your local independent insurance agent will help decide which policy is right for you.
Most states mandate the following coverage:
Bodily Injury Liability
Bodily injury liability will pay for medical expenses from a car accident that causes injury to the other driver, passengers, or pedestrians. It will also cover lost wages if the person is unable to work due to an injury.
Property Damage Liability
Your property damage liability policy will help pay the bill to replace or repair the building, vehicle, or structure if you or someone driving your car damages another person's property. Property damage liability will not cover the damage to your car.
Many states require this coverage:
Medical Payments/Personal Injury Protection
Most auto accidents cause injuries to either you or your passengers. Medical payments or personal injury protection (PIP) coverage pays for necessary medical treatment for you and anyone in your car. PIP insurance is available in "no-fault" states and is typically required. Medical payments coverage is available everywhere else.
Uninsured and Underinsured Motorist Coverage
When involved in a hit and run scenario, or another driver does not have enough insurance to cover your losses, uninsured and underinsured motorist coverage pays for damage to your vehicle.
If an accident is your fault, collision coverage will pay damage to other people's property on your behalf. Collision coverage can save you money out of your own finances when a loss happens.
Your Buick Encore is at risk, even parked in the comfort of your garage. A natural disaster, storm, and other incidents could cause damage to your vehicle. If damage occurs, comprehensive coverage will provide coverage.
Replacing your Buick Encore's windshield could cost between $300 and $500. Instead of paying that cost on your own, you could have your windshield replaced with zero-deductible glass coverage. This policy endorsement is usually minimal and well worth the few extra dollars in premium.
If you are financing or leasing your Buick Encore, you will want gap insurance. If you are involved in a total loss accident, gap coverage will pay the difference between the car's value and the outstanding amount due. Without gap insurance, you'll be responsible for paying the difference out of pocket.
What Affects the Cost of Insurance for Your Buick Encore
Multiple factors will determine the insurance premiums for your Buick Encore. It's not only about the vehicle itself. For example, younger drivers will pay higher insurance rates because they are less experienced and tend to cause more accidents. If you are a teen Buick Encore driver, you'll spend $5,196 per year on insurance. The lowest average rate with full coverage across the US is $815 annually. Multiple driving violations or an at-fault accident will put you in the high-risk driver category. A high-risk driver pays an average of $3,052 per year for Buick Encore insurance.
Average Cost of Buick Insurance by Model
Premiums are based on the year, make, and model of your Buick. The below rate averages assume that the driver has a clean motor vehicle report, is 40 years old, and male. The policies are based on a $500 comprehensive and collision deductible, uninsured/underinsured motorist coverage, and minimum liability limits. Rates are averaged over 50 states.
|Average annual insurance premium for a new Buick by model|
The Safety of Your Buick Encore
Safety is not only important to better protect you and your family, but it can also get you lower insurance rates. The more safety features that your Buick Encore has, the better your premiums will be.
The Buick Encore has optional safety features like forward collision warning and lane departure warning so you can be more secure while on the road. The Encore also received high marks from the Insurance Institute of Highway Safety and 5-star ratings overall.
How Location Affects Your Buick Encore Insurance
Depending on where you live, certain states could earn you a lower car insurance premium, while your rates could be higher in other locations. Carriers base premiums on local crime rates, the number of claims filed, and traffic patterns.
|Average yearly auto insurance rates are the least expensive in these states:|
|Average yearly auto insurance rates are most expensive in these states:|
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Average Cost to Insure a Buick Encore
On average, your Buick Encore car insurance premiums will run $1,414 annually. The pricing will vary according to your age, location, driving record, and the coverages you choose.
Here's how Buick Encore rates change for younger vs. older drivers:
|Buick Encore rates by age for full coverage with a $500 deductible|
Top Independent Insurance Carriers That Insure the Buick Encore
Coverage matters, and so does which insurance company you choose. Your carrier should be one you trust and is responsive to claims. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a good recommendation:
- Auto-Owners Insurance
Get a Buick Encore Quote
Reach out to a TrustedChoice.com agent today to get a quote for insurance on your Buick Encore. An independent insurance agent can shop dozens of insurance companies, providing you with the most affordable and complete auto insurance coverage.
TrustedChoice.com Article | Reviewed by Candace Jenkins
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