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Buick Encore Car Insurance Rates

By David Krug 4 minute read

In most years, Buick Encore car insurance will be about $2,856, but that can change. The final cost to you may depend on things like your driving record, the number of miles you drive each year, and other things.

This is based on the driving habits of a 40-year-old person with good credit and a full-coverage car who drives about 13,000 miles a year. They also think that with a new car, customers only get single-car insurance, so they won’t be able to save money on multiple-car insurance.

There is a lot of variation in insurance rates because of things like age, state, insurance provider, and mileage. There may also be things like traffic violations, tickets, and bad credit that make these rates go up or down.

What Kind of Insurance Do You Need for Your Buick Encore? 

Buick Encore Car Insurance Rates - Buick Encore Car Insurance Logo

The way you get insurance for your Buick Encore can be done in a lot of different ways, too. In some places, you have to have car insurance before you can drive, but not in all. If you live in another place, you can buy extra insurance.

It’s important to get help from an independent insurance agent in your area before you make a decision. This way, you can find out what your options are and what they cost.
It must cover all of these things.

Bodily Injury Liability 

There is a law called “bodily injury liability” that says that if you get into a car accident that hurts someone else, you have to pay for their medical bills. It will also pay for the money the person would have earned if they had been unable to work because of an injury.

Property Damage Liability 

You will be financially covered if you or someone driving your automobile destroys another person’s property. Damage to your vehicle will not be covered by property damage liability. 

Many states require this coverage: 

Medical Payments or Personal Injury Protection

Most car accidents cause you or your passengers to be hurt. Medical payments or personal injury protection (PIP) coverage pays for important medical care for you and anyone else who is in your car. Most people who live in “no-fault” states can get PIP insurance, and it’s usually needed. Anywhere else, medical payment coverage is available.

Uninsured and Underinsured Motorist Coverage

The damage to your car can be paid for by uninsured and underinsured motorist coverage if you are in a hit-and-run situation or if another driver doesn’t have enough insurance to cover your costs.

Optional Coverage: 

Collision

If you get into an accident and damage someone else’s property, collision coverage will pay for it. Collision coverage may help you save money out of your own pocket if you have a claim.

Comprehensive

Even if you park your Buick Encore in your garage, it could still be hit by a car. Your car may be damaged because of a natural disaster, a storm, or something else, but you can still get it fixed. When you have full insurance, you will be protected in the event of an accident or other mishap.

Glass Coverage 

Your Buick Encore’s new glass may cost between $300 and $500. If you don’t want to pay for that on your own, you can have your windshield replaced with zero-deductible glass coverage. This insurance add-on is usually very small and worth a few extra dollars in premium.

Gap Insurance

As long as you are financing or leasing your Buick Encore, you’ll need to buy Gap Insurance for your car. It will pay the difference between how much your car is worth and how much you owe. If you don’t have gap insurance, you’ll have to pay the difference yourself if your car breaks down.

What Affects the Cost of Insurance for Your Buick Encore

The cost of insurance for your Buick Encore will be based on a lot of different things. It’s not just the car. If you are a young driver, for example, you will pay more for your insurance because you have less experience and are more likely to get into an accident. Because the Buick Encore is for teenagers and costs $5,196 per year to insure, you will have to pay that much each year.

Most people in the United States pay about $815 a year for full insurance coverage. You will be a high-risk driver if you have a lot of moving violations or if you were at fault in a car accident. If you’re a high-risk driver, you’ll pay about $3,052 a year for insurance on your Buick Encore.

David Krug

Author