2014 Buick Enclave Insurance Quotes

Consumers have a choice when looking for the lowest priced Buick Enclave insurance. You can either spend your time driving around trying to get quotes or use the internet to get rate quotes.

There is a right way and a wrong way to find insurance coverage online so you’re going to learn the absolute fastest way to price shop coverage for a Buick and find the lowest possible price.

Finding Car Insurance

Getting better 2014 Buick Enclave car insurance pricing is surprisingly easy. Just take a few minutes to get quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

  1. One of the simplest ways to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form saves time by eliminating boring form submissions for every car insurance company. One quote request gets rate comparisons from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  2. Another way to get comparison quotes is to manually visit the website for every company you want to comare to request a price quote. For instance, let’s assume you want rates from Farmers, State Farm and American Family. To get each rate you have to visit each site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.

However you get your quotes, make darn sure you compare identical coverage limits for every company. If you are comparing different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.

Discounts are basically free money

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. Certain discounts will be applied when you quote, but lesser-known reductions have to be specifically requested prior to getting the savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for a substantially lower rate.
  • Government Employees – Simply working for the federal government can save as much as 8% on Enclave insurance depending on your company.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
  • Save over 55 – If you qualify as a senior citizen, you may receive reduced rates on Enclave insurance.
  • Sign Online – Some insurance companies will give a small break just for signing your application digitally online.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates if your claims history is clear for a certain period of time.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.

It’s important to note that most credits do not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will reduce your premiums.

For a list of insurance companies who offer insurance coverage discounts, click here.

Which insurance is the “right” coverage?

When buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether or not you may require specific advice.

  • At what point should I drop full coverage?
  • What is covered by UM/UIM coverage?
  • What is roadside assistance coverage?
  • Is my Buick Enclave covered if I use it for business?
  • Should I buy only the required minimum liability coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered when delivering products for my home-based business?
  • Can I drive in Mexico and have coverage?
  • Are my friends covered when driving my 2014 Buick Enclave?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance policy specifics

Having a good grasp of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills such as pain medications, rehabilitation expenses and dental work. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Enclave.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, falling objects, damage from getting keyed, rock chips in glass and hitting a bird. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like pain and suffering, funeral expenses, medical services and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, crashing into a ditch, colliding with a tree, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Make a quick buck

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, policy cancellation, being labeled a high risk driver or high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

We just showed you some good ideas how to compare 2014 Buick Enclave insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from a smaller regional carrier.

Low-cost insurance is available on the web as well as from independent agents, so you should compare both to have the best rate selection. Some insurance companies don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

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