Are Your Buick Enclave Car Insurance Rates Way Too Much?

Expensive car insurance can drain your bank account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to lower your monthly bill. With consumers having so many companies to choose from, it can be impossible to find the lowest cost insurance company.

Buick Enclave rate determination is complex

An important part of buying insurance is that you know the factors that go into determining the price you pay for car insurance. Understanding what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

• Your occupation can affect rates – Jobs such as judges, business owners and financial analysts are shown to have higher average rates because of stressful work requirements and lengthy work days. Conversely, occupations like pilots, engineers and the unemployed pay the least for Enclave coverage.
• Car features impact rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
• Lower deductibles cost more – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Buick. Some instances where coverage would apply are running into the backend of another car, collision with an animal, or theft. Your deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more money you are required to pay out-of-pocket, the less your car insurance will be for Enclave coverage.
• More miles equals more premium – The more you drive in a year’s time the higher your rate. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your car insurance policy properly reflects the correct driver usage. If your policy improperly rates your Enclave can result in significantly higher rates.
• Drive a safer car and pay less – Vehicles with high crash test scores are cheaper to insure. These vehicles protect occupants better and fewer injuries means less money paid by your insurance company and lower rates for you. If your Buick is rated at least four stars on Safercar.gov you may qualify for a discount.
• The type of vehicle makes a difference – The make and model of the car you drive makes a significant difference in your rates. The cheapest insurance rates are usually for small economy passenger models, but the cost you end up paying is determined by many additional factors. Due to the fact that the Buick Enclave is a standard SUV, insuring your vehicle will cost slighty more compared to average rates.
• Men pay higher rates – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Women and men have accidents in similar percentages, but men cause more damage. Men also get more serious tickets like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.

Compare Car Insurance Costs

Effectively comparing car insurance prices can be challenging if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Many companies enroll in a system that enables customers to only type in their quote data once, and every company then returns a price quote determined by their information. This eliminates the need for form submissions for each company.

To use this form to compare rates click here to open in new window.

The one disadvantage to getting quotes like this is you cannot specify which companies to get pricing from. If you would rather choose from a list of companies to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

However you get your quotes, double check that you are using the exact same coverage limits and deductibles for each comparison quote. If your comparisons have different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.

Lots of discounts mean lots of savings

The cost of insuring your cars can be expensive, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be specially asked for prior to getting the savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

• Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Enclave coverage than less cautious drivers.
• Save with a New Car – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
• 55 and Retired – If you qualify as a senior citizen, you may receive better car insurance rates for Enclave coverage.
• Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
• One Accident Forgiven – Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky. But any discount will bring down your premiums.

For a list of insurers with discount car insurance rates, click here to view.

A little work can save a LOT of money

The cheapest Buick Enclave insurance can be sourced from both online companies as well as from independent agents, so compare prices from both to have the best rate selection. Some car insurance companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

When shopping online for car insurance, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice full coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford.