Cheap Buick Terraza Car Insurance in 2024 (Find Savings With These 10 Companies!)
State Farm, Allstate, and Progressive offer the best cheap Buick Terraza car insurance, with rates starting at $46 per month. These companies provide affordable premiums, superior customer service, and comprehensive coverage options, making them the ideal choices for reliable Buick Terraza insurance.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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UPDATED: Oct 15, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The top picks for cheap Buick Terraza car insurance are State Farm, Allstate, and Progressive, known for offering competitive rates and comprehensive coverage.
Explores the main factors influencing Buick Terraza insurance costs and provides tips on finding affordable options.
Our Top 10 Company Picks: Cheap Buick Terraza Car Insurance
| Company | Rank | Monthly Rates | Safe Driver Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $46 | 11% | Many Discounts | State Farm |
 | #2 | $48 | 18% | Online Convenience | Allstate |
 | #3 | $49 | 10% | Add-on Coverages | Progressive |
 | #4 | $55 | 15% | Cheap Rates | Erie |
 | #5 | $58 | 14% | 24/7 Support | Auto-Owners |
 | #6 | $61 | 17% | Deductible Reduction | Geico |
 | #7 | $64 | 12% | Usage Discount | Nationwide |
 | #8 | $70 | 16% | Customizable Polices | Liberty Mutual |
 | #9 | $74 | 13% | Usage Discount | Farmers |
 | #10 | $76 | 10% | Local Agents | The General |
These companies emerge as the top choice for their blend of low premiums, exceptional customer service, and comprehensive policy offerings. Dive in to discover how these providers can help you secure the best insurance for your Buick Terraza.
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- State Farm is the top pick for comprehensive coverage starting at $46/month
- Discover cheap Buick Terraza car insurance options and tips to lower premiums
- Understand the factors that influence Buick Terraza insurance costs and save
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#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Coverage Options: State Farm offers a wide range of coverage options, including collision, liability, and uninsured motorist coverage.
- Strong Financial Stability: State Farm is known for its financial stability, ensuring reliable coverage and prompt claims payments.
- Discounts for Safe Drivers: State Farm offers discounts for safe driving, multi-policy bundling, and defensive driving courses. Read more in the State Farm insurance review & ratings.
Cons
- Higher Premiums: State Farm generally has higher premiums compared to other insurers, especially for drivers with less-than-perfect records.
- Limited Online Features: Some features and claims processing may require direct contact with an agent rather than being handled online.
#2 – Allstate: Best for Discounts
Pros
- Extensive Discounts: Allstate provides a wide range of discounts, including Safe Driving Bonus, Allstate Rewards, and the DriveWise program.
- Strong Customer Satisfaction: Known for excellent customer service and handling claims efficiently.
- Comprehensive Coverage Options: According to our Allstate insurance review & ratings, the company offers flexible coverage options that can be tailored to individual needs.
Cons
- Higher Costs for Certain Drivers: May have higher premiums for drivers with limited driving history or lower credit scores.
- Complex Discount Requirements: Some discounts require enrollment in specific programs or adherence to certain criteria.
#3 – Progressive: Best for Affordable Rates
Pros
- Affordable Rates: Progressive offers competitive pricing, starting at $46 per month for minimum coverage.
- Innovative Usage-Based Programs: The Snapshot program rewards safe driving with additional discounts.
- Flexible Policy Options: Our Progressive insurance review & ratings show that the company provides a variety of coverage options that can be customized to fit different needs.
Cons
- Customer Service Variability: Customer service experiences can vary significantly between different regions and agents.
- Rate Increases: Some customers report significant rate increases after an initial low rate period.
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#4 – Erie: Best for Customer Loyalty
Pros
- Strong Customer Loyalty: Erie is known for high customer satisfaction and loyalty. Read more about this in our Erie insurance review & ratings.
- Affordable Rates: Offers competitive rates with good discounts for safe driving and multiple policies.
- Comprehensive Coverage: Provides extensive coverage options, including accident forgiveness and new car replacement.
Cons
- Limited Availability: Coverage is not available in all states, limiting access for some drivers.
- In-Person Interaction Required: Many services and changes require in-person visits to an Erie agent.
#5 – Auto-Owners: Best for High Customer Satisfaction
Pros
- High Customer Satisfaction: In our Auto-Owners insurance review & ratings, we highlight the company’s reputation for excellent customer service and claims handling.
- Multiple Discount Options: Offers discounts for safe driving, multi-policy, and long-term customers.
- Comprehensive Coverage: Provides a wide range of coverage options tailored to customer needs.
Cons
- Limited Online Services: Many processes, including claims, require contact with an agent.
- Availability: Not available in all states, limiting the geographic reach.
#6 – Geico: Best for Low-Cost Insurance
Pros
- Affordable Premiums: Known for low-cost insurance options and extensive discount programs.
- Strong Online Presence: Offers extensive online tools for managing policies and filing claims.
- Good Driver Discounts: Geico is known for providing significant discounts for maintaining a good driving record. Discover if Geico employees get car insurance discounts.
Cons
- Customer Service Variability: Service quality can vary, with some customers reporting issues with claims handling.
- Higher Rates for High-Risk Drivers: Premiums can be higher for drivers with poor driving records or credit.
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#7 – Nationwide: Best for Coverage Options
Pros
- Comprehensive Coverage Options: Nationwide offers a wide range of coverage, including accident forgiveness and vanishing deductible.
- Strong Financial Stability: Nationwide’s financial strength and reliability are highlighted in our Nationwide insurance review & ratings.
- Discounts for Multiple Policies: Offers significant discounts for bundling multiple types of insurance policies.
Cons
- Higher Premiums for Some: Can be more expensive for drivers without a long driving history or with lower credit scores.
- Complex Discount Qualifications: Some discounts require specific actions or qualifications, such as enrollment in the SmartRide program.
#8 – Liberty Mutual: Best for Flexible Coverage
Pros
- Flexible Coverage Options: Offers a variety of customizable coverage options and additional endorsements.
- Good Discount Programs: Provides discounts for safe driving, bundling policies, and vehicle safety features.
- Financially Stable: Our Liberty Mutual review & ratings detail the company’s financial reliability and strong customer service.
Cons
- Higher Average Premiums: Generally has higher premiums compared to some competitors.
- Rate Increases: Some customers have experienced significant rate increases over time.
#9 – Farmers: Best for Service Quality
Pros
- Comprehensive Coverage: Farmers offers extensive coverage options, including accident forgiveness and new car replacement.
- Good Customer Service: Based on our Farmers insurance review & ratings, the company is praised for its good customer service and comprehensive policy options.
- Multiple Discounts: Provides discounts for safe driving, bundling policies, and vehicle safety features.
Cons
- Higher Premiums: Often has higher premiums compared to other insurers.
- Limited Online Tools: Some policy management features require contacting an agent directly.
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#10 – The General: Best for High-Risk Drivers
Pros
- Accessible for High-Risk Drivers: The General is known for offering insurance to high-risk drivers.
- Affordable Rates: Provides competitive rates, particularly for drivers with less-than-perfect records.
- Quick Quote Process: The General’s reputation for an easy and quick quote process online is highlighted in our The General car insurance review & ratings.
Cons
- Limited Coverage Options: Coverage options may be more limited compared to larger insurers.
- Mixed Customer Service Reviews: Customer service and claims handling can vary significantly.
Factors That Influence the Cost of Buick Terraza Car Insurance
Insurance companies consider various factors when determining the cost of coverage for a Buick Terraza. Key influences include the driver’s age, driving history, location, and annual mileage, which all contribute to the risk assessment and thus the premium rates.
The safety features of the Buick Terraza, the type and level of coverage, and the chosen car insurance provider also play significant roles. Additionally, a driver’s credit score and deductible amount impact costs, with higher deductibles potentially lowering premiums by increasing the driver’s financial responsibility in case of a claim.
Buick Terraza Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $48 | $121 |
| Auto-Owners | $58 | $134 |
| Erie | $55 | $129 |
| Farmers | $74 | $142 |
| Geico | $61 | $138 |
| Liberty Mutual | $70 | $140 |
| Nationwide | $64 | $140 |
| Progressive | $49 | $124 |
| State Farm | $46 | $116 |
| The General | $76 | $145 |
This table presents the monthly rates for Buick Terraza car insurance, comparing the costs across different providers for both minimum and full coverage. State Farm offers the lowest rates for minimum coverage at $46 per month and full coverage at $116 per month, while The General has the highest rates at $76 and $145, respectively.
Other notable companies include Allstate, Progressive, and Geico, providing a range of competitive options for both coverage levels.
Optimize Buick Terraza Insurance: Key Factors and Savings Tips
To effectively budget for Buick Terraza insurance, it’s essential to understand that rates vary based on factors such as age, location, and driving history. While Buick Terraza is deemed safe by insurers due to its features, rates can still fluctuate, emphasizing the need for personalized quotes from various companies.
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Younger drivers may face higher premiums due to increased risk, while older drivers with clean records might benefit from lower rates. Additionally, the location where the vehicle is driven, particularly in high-crime or high-traffic areas, can significantly impact insurance costs. Exploring different coverage options like liability, collision, and comprehensive insurance is crucial to find suitable protection for your Buick Terraza.
Liability insurance coverage addresses damages when you’re at fault, collision covers vehicle damage from accidents, and comprehensive insurance protects against non-collision incidents. To save money on Buick Terraza insurance, compare quotes, bundle policies, seek discounts, opt for a higher deductible, maintain a clean driving record, and regularly review your policy for optimal coverage and pricing.
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Impacting Buick Terraza Insurance Rates and Savings
The age and driving history of the driver significantly impact Buick Terraza insurance rates, with younger, inexperienced drivers facing higher rates due to increased risk, while drivers with a clean driving history and years of experience may receive lower rates. Understanding different types of bad drivers provides insights into how insurers assess risk and determine premiums.
Insurance companies consider factors such as the driver’s age, number of years with a valid license, and accident or violation history when determining premiums. The safety features of the Buick Terraza, such as anti-lock brakes, traction control, stability control, and multiple airbags, play a vital role in determining premiums, often leading to discounts or lower rates due to reduced risk of injuries or damages.
Additionally, the location where you live and primarily operate your Buick Terraza can significantly influence insurance costs, with higher crime rates or accident histories leading to higher premiums. Researching the local insurance market and obtaining quotes specific to your location can help you understand the impact of location on Buick Terraza insurance costs.
This table highlights the car insurance discounts available for Buick Terraza owners from top providers. Allstate leads with an 18% discount through programs like Safe Driving Bonus, Allstate Rewards, and DriveWise. Geico follows closely with a 17% discount, offering Good Driver and Vehicle Equipment discounts.
Other notable providers include Auto-Owners, Erie, and Liberty Mutual, each offering a range of discounts like multi-policy, safe driving, and specific program incentives. By exploring these discounts, Buick Terraza drivers can significantly reduce their insurance costs.
When selecting an insurance provider for your Buick Terraza, consider the company’s reputation, financial stability, customer reviews, range of coverage options, available discounts, customer service quality, and claims handling efficiency to ensure you get the best coverage at a competitive price. To make an informed decision, be sure to compare car insurance quotes.
Avoid common mistakes like not comparing quotes, overlooking discounts, underinsuring, and failing to update your policy, as these can impact your coverage and costs. To save money on your Buick Terraza car insurance, compare rates, bundle policies, opt for a higher deductible, and utilize discounts and mileage-based programs, ensuring you maintain a balance between affordability and adequate coverage.
Optimizing Buick Terraza Insurance: Deductibles, Discounts, and Credit Tips
Choosing a higher deductible for your Buick Terraza can lower your premiums, but it’s important to ensure you can afford the out-of-pocket costs if a claim arises. Insurance providers often offer various discounts, such as for safe driving, multiple vehicles, bundling, good students, low mileage, and seniors, so it’s essential to inquire about these when obtaining quotes to reduce your premiums.
Regular maintenance of your Buick Terraza, including oil changes, tire rotations, and inspections, can positively impact your insurance rates by decreasing the likelihood of accidents or mechanical issues, showcasing your responsibility as a car owner and potentially leading to car owners car insurance discounts and lower premiums.
Your credit score also influences the cost of insuring your Buick Terraza, as insurance companies use credit-based scores to assess risk, with higher scores generally resulting in lower premiums. It’s crucial to monitor and maintain a good credit score to potentially secure more favorable insurance rates for your Buick Terraza.
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Case Studies: Car Insurance for Buick Terraza
The following case studies demonstrate how Buick Terraza owners have effectively secured affordable car insurance by utilizing discounts and selecting providers known for strong customer service and comprehensive coverage. These examples show real-world applications of insurance strategies to reduce costs while ensuring adequate protection.
- Case Study #1 – Maximizing Discounts: Sarah, a 30-year-old from California, chose State Farm for her 2017 Buick Terraza. She took advantage of various discounts, including multi-policy, accident-free, and good driver programs. By combining these discounts, Sarah significantly lowered her insurance premiums, making State Farm an affordable and comprehensive choice for her vehicle.
- Case Study #2 – Prioritizing Customer Service: Robert, a 55-year-old from Michigan, chose Allstate for his 2015 Buick Terraza, benefiting from multi-vehicle, paid-in-full, and defensive driving discounts. Defensive driving courses can lower your car insurance rates, and Allstate’s tailored coverage offered reliable, cost-effective insurance.
- Case Study #3 – Focusing on Cost and Flexibility: Megan, a 40-year-old from Texas, selected Progressive for her 2012 Buick Terraza. She utilized discounts like good driver, multiple car, and safe vehicle incentives. Progressive’s competitive rates and customizable policy options helped Megan find the perfect balance between affordability and comprehensive coverage for her older model vehicle.
These case studies based on real-world scenarios illustrate how Buick Terraza owners can secure affordable car insurance by leveraging discounts and choosing providers known for their customer satisfaction and flexible coverage options.
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Understanding available choices and selecting the right provider can help owners reduce insurance costs while maintaining comprehensive protection.
Mastering Buick Terraza Insurance: Expert Tips and Smart Strategies
Navigating Buick Terraza car insurance can be challenging, but consulting with auto insurance experts can provide personalized recommendations and the best coverage options. Staying updated on industry trends and changes helps you make informed decisions.
By understanding rate factors, exploring coverage, and using insurance quotes online, you can secure the right insurance for your Buick Terraza. Regularly review your policy and consult professionals for the best experience.
Get fast and cheap auto insurance coverage today with our quote comparison tool below.
Frequently Asked Questions
What is the lowest form of car insurance?
Liability insurance is generally the cheapest car insurance coverage because it only covers the cost of bodily injuries and property damages for another party if you’re at fault for an accident. It doesn’t cover damages to your vehicle or costs associated with your injuries.
For more information, delve into our extensive resource “Liability Insurance: A Complete Guide” for further clarity.
What is zero type insurance?
A zero-depreciation policy is an add-on to car insurance under which we won’t charge you for depreciation during the claim settlement. In simple words, you are not required to pay for the depreciation cost while making a claim. A comprehensive policy provides coverage for own damage and damages caused to third parties.
Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
Which type of car is cheapest to insure?
Type of vehicle: Small SUVs and minivans generally receive lower auto insurance rates, while sedans and large SUVs cost more to insure. Cheap car insurance is difficult to find for those with pickup trucks, electric vehicles, luxury models, and sports cars.
To learn more, check out our detailed guide “Types of Car Insurance Coverage” for further insights.
What type of car insurance is cheapest?
Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circumstances.
To gain more details, refer to our extensive “Full Coverage Car Insurance: A Complete Guide” for further understanding.
What type of insurance is most important for cars?
Auto liability coverage is mandatory in most states. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law. Liability coverage has two components: bodily injury liability may help pay for costs related to another person’s injuries if you cause an accident.
Is car insurance mandatory in the USA?
Car insurance laws are set and enforced at the state level, and 49 of the 50 states in America require all drivers to carry an active car insurance policy. New Hampshire is the only state in which you are not legally required to have car insurance, as long as you can show proof of financial responsibility.
For a deeper understanding, consult our detailed report titled “The Most and Least Car-Dependent States” for further information.
What are the 4 recommended type of insurance?
Most experts agree that life, health, long-term disability, and auto insurance are the four types of insurance you must have. Employer coverage is often the best option, but if that is unavailable, obtain quotes from several providers, as many provide discounts if you purchase more than one type of coverage.
Is it legal to drive a car without insurance in USA?
In every state except for Virginia and New Hampshire, drivers are required to carry some form of auto insurance. If you get caught driving without insurance in a state that requires it, you can be subject to large fines, the cancellation of your license or car registration, and even jail time.
Use our free comparison tool below to see what auto insurance quotes look like in your area.
At what age is car insurance cheapest?
Car insurance is the cheapest for drivers between the ages of 35 and 55. Car insurance is very expensive for teens because they have a high risk of accidents, and then it decreases sharply as drivers age into their 20s and develop more reliable driving habits.
For a thorough understanding, refer to our detailed analysis titled “What age do you get cheap car insurance?” for more insights.
How much does car insurance cost in the USA?
The average cost of car insurance in the U.S. can range anywhere from $274 to $2,226 per year, depending on coverage, driver profile, location, and provider chosen. Those considered high-risk due to a speeding ticket, DUI/DWI, accident, or bad credit pay between $299 and $446 on average per month for full coverage.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
