Cheap 2017 Buick Enclave Insurance Cost

Want better insurance rates? Drivers have options when trying to find affordable Buick Enclave insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to make rate comparisons. There are more efficient ways to shop for insurance and you need to know the best way to get price quotes for a new or used Buick and get the cheapest rates from both online companies and local agents.

It is always a good idea to compare prices periodically because insurance rates trend upward over time. If you had the lowest rates for Enclave coverage a couple years back you may be paying too much now. Starting now, ignore everything you know about insurance because we’re going to show you the proper way to reduce your cost while increasing coverage.

Are you getting all your discounts?

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so we took the time to find both well-publicized as well as the least known ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy digitally online.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Bundle and Save – If you insure your home and vehicles with the same company you will save up to 20% off your total premium.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Enclave coverage.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Defensive Driver – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.

Keep in mind that some of the credits will not apply the the whole policy. Most only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies that may have these benefits may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts may not be available in every state.

How to Compare Car Insurance Costs

Most major insurance companies give coverage price quotes on the web. Obtaining pricing doesn’t take much effort as you simply type in the coverage amounts you desire into a form. After you submit the form the company’s rating system will obtain information on your driving record and credit history and generates a price determined by many factors.

This makes comparing rates easy, but the time it takes to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible if you are searching for better car insurance pricing.

An easier way to find lower prices uses one form to return rates from multiple companies. It saves time, eliminates repetitive work, and makes quoting online a little more enjoyable. After sending the form, it is quoted and you can choose your choice of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter the coverages just like they are on your policy. This ensures you will have comparison quotes based on similar coverages.

When might I need an agent?

When it comes to buying adequate coverage, there really is not a one size fits all plan. Every situation is different.

For instance, these questions can aid in determining if you could use an agent’s help.

  • How high should deductibles be on a 2017 Buick Enclave?
  • Why does it cost so much to insure a teen driver?
  • Is my teen driver covered when they drive my company car?
  • Can I drive in Mexico and have coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your insurance policy

Understanding the coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision – This coverage pays for damage to your Enclave resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability insurance – Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like repair costs for stationary objects, bail bonds, medical expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, hitting a bird, damage from flooding, fire damage and falling objects. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like chiropractic care, pain medications and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Buick Enclave.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Pennies from heaven

Insureds who switch companies do it for a number of reasons such as poor customer service, extreme rates for teen drivers, high rates after DUI convictions or high prices. Regardless of your reason, finding a new company is easier than you think.

In this article, we presented a lot of techniques to lower your 2017 Buick Enclave insurance rates. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from a small mutual company.

Affordable insurance is available both online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Additional auto insurance information is located at the links below