How Much Does 2009 Buick Enclave Insurance Cost?

Want cheaper insurance coverage rates? Drivers have lots of choices when trying to find the lowest priced Buick Enclave insurance. They can either waste time calling around getting price quotes or save time using the internet to make rate comparisons.

There are both good and bad ways to find insurance coverage online and you need to know the proper way to quote coverages for a new or used Buick and locate the best price possible either online or from local insurance agents.

You should take the time to take a look at other company’s rates periodically because prices change regularly. Just because you had the best deal for Enclave insurance on your last policy you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, so I’m going to show you the easiest ways to save money.

The purpose of this post is to tell you how car insurance quotes work. If you are paying for car insurance now, you will be able to save some money using these techniques. Drivers just need to learn the most efficient way to shop for auto insurance over the internet.

Car Insurance Prices Online

There are a variety of methods to shop for 2009 Buick Enclave car insurance, but there is one way that is more efficient than others. You can waste hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to get pricing more quickly.

Many of the larger companies belong to a marketplace that enables customers to submit one quote, and at least one company can provide price quotes based on that information. This prevents consumers from doing form submissions to each company. To get comparison pricing now click here to open in new window.

The one downside to doing it this way is you don’t know exactly which insurance companies you want to price. So if you want to choose specific providers to compare prices, we have a listing of car insurance companies in your area. Click to view list.

It’s up to you which method you use, but compare the exact same quote information for each price quote. If each company quotes differing limits then you won’t be able to make a fair comparison for your Buick Enclave.

Drivers who switch save $415 a year? Really?

Consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm, Allstate and Geico. All the companies have a common claim that you can save if you move to them.

But how can every company make the same claim? This is how they do it.

Insurance companies have a preferred profile for the type of customer that makes them money. For instance, a profitable customer could be between the ages of 40 and 55, is a homeowner, and has great credit. A driver who fits that profile will get very good rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t meet the requirements will have to pay higher premiums which usually ends up with business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently state the savings.

Because of the profiling, it’s extremely important to get as many comparisons as possible. You cannot predict which insurance coverage company will have the lowest Buick Enclave insurance rates.

Pieces of the Buick Enclave insurance rate puzzle

Consumers need to have an understanding of some of the elements that come into play when calculating car insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with lower car insurance prices.

The list below includes a partial list of the pieces used by your company to calculate rates.

  • Pay less after the wedding – Having a spouse can get you a discount when buying car insurance. Marriage translates into being more mature than a single person and it’s proven that married couples file fewer claims.
  • Consolidate policies to earn discounts – The majority of insurance companies will give a discount to customers who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. Consumers may find a better deal by buying car insurance from a different company.
  • Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Both sexes have accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as DWI and reckless driving.
  • Equipment add-ons that lower car insurance rates – Owning a car with a theft deterrent system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • High numbers of claims are not good – If you tend to file frequent claims, you can definitely plan on higher rates. Companies award cheaper rates to people who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.
  • Don’t get talked into coverage you don’t need – There are a ton of extra coverages that you can get tricked into buying on your car insurance policy. Coverages like rental car reimbursement, accidental death and term life insurance are examples of these. They may seem good initially, but if they’re wasting money get rid of them and save.
  • Traffic citations inflate rates – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Only having one moving violation can bump up the cost twenty percent or more. If you have serious violations like DUI or reckless driving may find they need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Your car insurance rates can be influenced by your job – Did you know your car insurance rates can be affected by your occupation? Occupations such as doctors, architects and accountants are shown to have higher rates than average in part from stressful work requirements and long work hours. On the flip side, occupations such as farmers, athletes and homemakers pay the least for Enclave insurance.

These discounts can lower your rates

The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Some trigger automatically when you purchase, but some may not be applied and must be manually applied prior to getting the savings. If you’re not getting every credit available, you are throwing money away.

  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
  • Club Memberships – Belonging to a qualifying organization could qualify you for a break on your policy for Enclave insurance.
  • Own a Home – Being a homeowner may trigger a insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Federal Employees – Simply working for the federal government can save as much as 8% for Enclave insurance with a few insurance companies.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Senior Citizens – Older drivers may qualify for a small decrease in premiums for Enclave insurance.

Consumers should know that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. But any discount will reduce your premiums.

A partial list of companies that possibly offer these discounts are:

Check with each insurance company which discounts you may be entitled to. Discounts may not be available in your area.

Different people need different coverages

When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

These are some specific questions can aid in determining if you may require specific advice.

  • Do I need an umbrella policy?
  • Should I have a commercial auto policy?
  • What happens if I owe more than my 2009 Buick Enclave is worth?
  • Do I have coverage when using my vehicle for my home business?
  • Can I rent a car in Mexico?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

What insurance coverages do you need?

Having a good grasp of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses such as prosthetic devices, surgery, EMT expenses, pain medications and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as bail bonds, court costs and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

Collision coverage covers damage to your Enclave from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, vandalism, a broken windshield, damage from getting keyed and hitting a deer. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Knowledge is power

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at the best price while not skimping on critical coverages.

People switch companies for a variety of reasons including poor customer service, being labeled a high risk driver, delays in paying claims or questionable increases in premium. Whatever your reason, choosing a new company is easier than you think.

We’ve covered a lot of ways to shop for 2009 Buick Enclave insurance online. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the best prices are with some of the lesser-known companies.

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