Cheaper 2016 Buick Enclave Car Insurance Quotes

Finding cheaper insurance for a Buick Enclave can normally be difficult, but you can learn the following methods to save time.

There are both good and bad ways to compare car insurance rates and we’ll show you the quickest way to quote coverages on a Buick and obtain the lowest possible price either online or from local insurance agents.

If you are insured now or are shopping for new coverage, you can use these techniques to find better prices while maintaining coverages. Finding the lowest cost car insurance is simple if you know the tricks. Drivers just need to know the tricks to compare price quotes online.

Compare quotes for insurance coverage

Getting a more affordable price on 2016 Buick Enclave insurance doesn’t have to be difficult. Drivers just need to spend a little time to compare rate quotes from online providers. Insurance prices can be quoted in a couple of different ways.

  1. One of the fastest ways to find the lowest comparison rates is a comparison rater form click here to open form in new window. This easy form keeps you from doing separate quotes for every prospective company. One quote request gets coverage cost estimates from insurance coverage companies with the best prices. Just one form and you’re done.
  2. A more time consuming way to analyze rates is spending the time to visit the website for each individual company and complete a new quote form. For examples sake, let’s say you want to get rates from USAA, State Farm and American Family. To get rate quotes you would need to spend time on each company’s site and punch in your information repeatedly, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The most difficult method to compare rates is to spend time driving to insurance agents’ offices. Doing it all online has made agencies unnecessary unless you’re the type of person who wants the extra assistance that you can only get from talking to an agent. It is possible to obtain prices from the web but have a local agent actually write the policy.

Whichever way you choose to compare rates, try to use exactly the same coverage data for every company. If you enter higher or lower deductibles it will be next to impossible to determine the best price for your Buick Enclave.

Well known brands might not be cheapest

Drivers can’t avoid all the ads for the lowest price auto insurance by companies like Allstate, Geico and Progressive. They all seem to convey the message that you can save if you move your coverage to them.

Is it even possible that every company can offer drivers better rates? It’s all in the words they use.

All the different companies have a preferred profile for the type of customer they prefer to insure. For example, this type of driver should be between the ages of 30 and 50, has few claims, and has a short commute. Someone who matches those parameters receive the lowest rate quotes and have a good chance to save a lot of money.

Consumers who don’t measure up to this ideal profile will probably be forced to pay higher premiums and this can result in the prospect going elsewhere. The trick companies use is to say “people who switch” not “everybody who quotes” save the amount stated. That’s why insurance companies can confidently make claims that they all have the best car insurance rates.

This really emphasizes why you really need to get auto insurance quotes from several different companies. Because you never know which company will have the best rates for your profile.

How to lower your insurance rates

Many things are part of the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, but some are not as apparent such as your credit history or your vehicle rating.

The items below are a few of the “ingredients” used by insurance companies to determine prices.

  • Costs also based on gender – The statistics show that females take fewer risks when driving. This data doesn’t prove that women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but men tend to have more serious accidents. Men also statistically receive more major tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 generally have the highest accident percentage so it costs more to insure them.
  • High deductibles equal low rates – Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your Buick. Some coverage claims are a dented fender, hitting a deer, and rolling your vehicle. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if the claim is covered. The more expense you pay before a claim is paid (deductible), the less money you will pay for insurance coverage on Enclave coverage.
  • Extra coverages can cost a lot – There are a ton of optional add-on coverages that sound like a good idea at the time if you aren’t diligent. Things like personal injury protection, better glass coverage, and term life insurance may be costing you every month. These may sound like a good investment when deciding what coverages you need, but your money might be better spent on other coverage so remove them and pocket the money.
  • Your address can impact prices – Having an address in small towns and rural areas may provide you with better prices when it comes to insurance coverage. People who live in big cities tend to have congested traffic and higher rates of accident claims. Lower population corresponds to lower accident rates as well as less vandalism and auto theft.
  • Premiums are affected by your credit rating – Credit rating factor in calculating your premium rate. So if your credit can use some improvement, you could be paying less to insure your 2016 Buick Enclave by improving your rating. People with excellent credit tend to be less risk to insure than drivers who have poor credit scores.
  • Deter theft and pay less – Buying a car with a theft deterrent system can earn a premium discount. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent vehicle theft.
  • Having a spouse pays dividends – Walking down the aisle may save some money when shopping for insurance coverage. Having a spouse is viewed as being more stable financially and it’s statistically proven that married couples file fewer claims.
  • Car insurance liability protection limits – Your insurance coverage policy’s liability coverage is the coverage that protects you if you are found liable for physical damage or personal injury to other. It provides for a legal defense to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.

Car insurance discounts are available to slash your rates

Some companies don’t list every policy discount in an easy-to-find place, so the following is a list of some of the more common and also the more inconspicuous credits available to bring down your rates.

  • Payment Discounts – If you pay your bill all at once rather than spreading payments over time you may reduce your total bill.
  • Policy Bundle Discount – If you insure your home and vehicles with the same company you could save over 10 percent off each policy depending on the company.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Driving less can qualify you for cheaper prices.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

The best car insurance companies and some of the discounts can be read below.

  • State Farm offers discounts for driver’s education, good driver, multiple autos, student away at school, safe vehicle, anti-theft, and Drive Safe & Save.
  • Geico may have discounts that include emergency military deployment, multi-vehicle, military active duty, driver training, air bags, and anti-theft.
  • SAFECO discounts include safe driver, teen safety rewards, anti-lock brakes, accident prevention training, bundle discounts, and anti-theft.
  • Farmers Insurance has savings for homeowner, business and professional, bundle discounts, good student, distant student, and teen driver.
  • AAA offers discounts including multi-car, pay-in-full, good driver, good student, education and occupation, anti-theft, and AAA membership discount.
  • USAA may include discounts for family discount, new vehicle, multi-policy, loyalty savings, and military installation.

Before purchasing a policy, check with every company the best way to save money. All car insurance discounts might not be offered in your state. If you would like to see a list of car insurance companies that offer many of these discounts, follow this link.

Everyone needs different insurance coverage coverages

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions could help you determine if your situation could use an agent’s help.

  • What are the financial responsibility laws in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • What exactly is covered by my policy?
  • Am I covered when driving a rental car?
  • When should I drop full coverage on my 2016 Buick Enclave?
  • I don’t drive much so do I pay less?
  • How can I find cheaper teen driver insurance?
  • I have health insurance so do I need medical payments coverage?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

Educate yourself about insurance coverages

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

This covers damage to your Enclave resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, crashing into a building, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for funeral costs, rehabilitation expenses, pain medications and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Buick Enclave.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane, a broken windshield, damage from getting keyed and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

Liability coverage can cover damage that occurs to people or other property. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like funeral expenses, loss of income and court costs. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Shop smart and save

We just showed you many tips how you can lower your 2016 Buick Enclave insurance rates. The most important thing to understand is the more times you quote, the better your chances of lowering your car insurance rates. Consumers may even find the biggest savings come from a lesser-known regional company.

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There are too many instances where an insured dropped liability limits or collision coverage only to find out they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best cost while not skimping on critical coverages.

Consumers leave their current company for a variety of reasons including questionable increases in premium, delays in paying claims, not issuing a premium refund or even policy non-renewal. Regardless of your reason, switching companies is less work than it seems.

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