The most effective way to find affordable Buick Rendezvous insurance is to start doing a yearly price comparison from insurance carriers who sell auto insurance in Newark.
- Spend some time learning about the different coverages in a policy and the factors you can control to prevent high rates. Many factors that increase rates such as accidents, traffic tickets, and your credit history can be eliminated by making minor changes in your lifestyle.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can quote rates for a wide range of insurance providers. Get quotes now
- Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you find a better price and buy the policy, verify that coverage does not lapse between policies.
- Give proper notification to your current agent or company of your intention to cancel your current car insurance policy. Submit any necessary down payment along with the completed application for the new coverage. Once coverage is bound, place your new certificate verifying proof of insurance with your vehicle's registration.
The most important part of shopping around is to make sure you enter identical limits and deductibles on each quote request and and to compare as many carriers as you can. Doing this ensures a fair price comparison and a complete price analysis.
Amazingly, a recent NerdWallet.com study showed that the vast majority of auto insurance customers in New Jersey kept their coverage with the same auto insurance company for four years or more, and 38% of customers have never even compared rates from other companies. With the average premium in the United States being $1,847, drivers could save roughly $850 a year by just comparing quotes, but most tend to underestimate the rate savings if they just switched companies.
The easiest way to compare car insurance rates for Buick Rendezvous insurance in Newark is to take advantage of the fact most larger insurance companies participate in a system to compare their rates. The one thing you need to do is spend a couple of minutes providing details such as how much you drive, how much school you completed, how you use your vehicles, and which vehicles you own. Your rating data is then submitted to insurance carriers in your area and you will get price comparisons very quickly.
To get price quotes for your Buick Rendezvous now, click here and complete the quick form.
The companies shown below offer free quotes in Newark, NJ. In order to find the best auto insurance in NJ, we recommend you get rates from several of them to find the lowest auto insurance rates.
Why you need quality insurance for your Rendezvous
Even though it's not necessarily cheap to insure a Buick in Newark, insurance is required by state law in New Jersey and it also provides benefits you may not be aware of.
First, the majority of states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability insurance coverage in order to drive the car legally. In New Jersey 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.
Second, if your car has a lienholder, it's most likely the lender will require you to have full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Buick for a much higher rate and require you to pay for the much more expensive policy.
Third, car insurance protects both your Buick Rendezvous and your assets. Insurance will pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of buying car insurance outweigh the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying more than $750 every year so shop around every year to help ensure money is not being wasted.
Insurance coverage considerations
Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Buick Rendezvous.
Because many people carry very low liability coverage limits (15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.
Insurance for medical payments
Coverage for medical payments and/or PIP pay for short-term medical expenses for things like hospital visits, ambulance fees and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay
This pays for damage to your Rendezvous from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a building, damaging your car on a curb, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible on your Rendezvous to save money on collision insurance.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like hitting a deer, falling objects, a broken windshield and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
This coverage provides protection from injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 15/30/5 that translate to a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability can pay for things such as repair costs for stationary objects, emergency aid, attorney fees and funeral expenses. How much coverage you buy is a personal decision, but it's cheap coverage so purchase as large an amount as possible. New Jersey requires minimum liability limits of 15/30/5 but you should think about purchasing better liability coverage.
The illustration below demonstrates why buying minimum limits may not be enough.