2008 Buick Enclave Insurance Cost – 7 Discounts for Best Prices

Looking for the cheapest insurance coverage rates for your Buick Enclave? Finding the cheapest insurance for a Buick Enclave can be difficult, but you can learn the following methods and make it easy. There are more efficient ways to compare insurance coverage rates and we’ll show you the proper way to price shop coverage on a Buick and get the lowest price from both online companies and local agents.

Finding the best rates is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you will benefit by learning to cut your premiums and still get good coverage. Consumers just need to learn how to compare prices online.

Cut prices on Buick Enclave insurance

Companies don’t list every available discount very clearly, so we break down both the well known as well as the least known savings tricks you should be using. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Accident Free – Claim-free drivers can save substantially compared to drivers who are more careless.
  • Low Mileage – Fewer annual miles on your Buick can qualify you for lower rates on the low mileage vehicles.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Enclave insurance than their less cautious counterparts.

Drivers should understand that most credits do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies who might offer these discounts are:

Double check with all companies you are considering what discounts are available to you. All car insurance discounts may not be available in your state.

Compare Insurance Coverage Today

Effectively comparing insurance coverage prices can be a daunting task if you don’t know the fastest way to get free quotes. You could waste time talking to insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.

The majority of car insurance companies participate in a marketplace where insurance shoppers complete one form, and each participating company returns a rated price determined by their information. This saves time by eliminating quote requests for each company.

To find out how much you can save on insurance coverage click here to start a free quote.

One minor caviat to getting quotes like this is you don’t know exactly the companies to get pricing from. If you wish to select specific providers for rate comparison, we put together a list of the cheapest insurance coverage companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you’re using the exact same coverages and limits for each comparison quote. If the quotes have different liability limits it’s impossible to truly determine the lowest rate.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different.

These are some specific questions might point out whether your personal situation might need professional guidance.

  • Are rental cars covered under my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • If I drive on a suspended license am I covered?
  • Will filing a claim cost me more?
  • Can I rent a car in Mexico?
  • When should my teen driver be added to my policy?
  • Does having multiple vehicles earn me a discount?
  • How high should deductibles be on a 2008 Buick Enclave?
  • How much can I save by bundling my policies?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Slick advertising tricks that work

Drivers can’t get away from ads for cheaper car insurance by companies like Allstate and Progressive. All the companies say the same thing that you’ll save big if you switch to them.

How do they all say the same thing?

Insurance companies can use profiling for the type of customer that makes them money. For instance, a profitable customer might be profiled as between 25 and 40, a clean driving record, and has a short commute. Any driver who fits that profile receives the best rates and most likely will save a lot of money.

Potential customers who do not match these standards must pay higher premiums which leads to business not being written. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently make those claims. This illustrates why you need to quote coverage with many companies. It is impossible to predict the company that will provide you with the cheapest Buick Enclave insurance rates.

Car insurance coverage specifics

Having a good grasp of your policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability auto insurance – This coverage will cover injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as loss of income, pain and suffering, bail bonds and structural damage. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision coverages – Collision coverage pays for damage to your Enclave from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, sustaining damage from a pot hole, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Buick Enclave.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive protection – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, hitting a deer, damage from flooding and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for EMT expenses, funeral costs and surgery. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Buy Smart and Save

Lower-priced 2008 Buick Enclave insurance can be purchased both online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

When shopping online for insurance, do not sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

We just showed you a lot of techniques to compare insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. Consumers may even find the lowest premiums are with a small local company.

Additional information can be read on the following sites: