Cheap 2012 Buick Enclave Insurance Quotes

Feel like you’re a prisoner to an overpriced car insurance policy? Believe me when I say many consumers feel financially strained by their car insurance policy. Numerous insurance companies battle for your insurance dollar, and because of this it can be hard to compare auto insurance companies and get the definite cheapest price

It’s a great practice to compare prices before your policy renews because insurance rates trend upward over time. If you had the best rates for Enclave insurance last year you will most likely find a better rate today. Ignore everything you know about car insurance because we’re going to demonstrate the easiest way to find the best coverage while lowering your premiums.

If you have a policy now or are just looking to switch companies, you can learn to find better prices and possibly find even better coverage. Buying car insurance is not rocket science. Drivers just need to understand the proper methods to buy insurance coverage over the internet.

Comprehensive Insurance Coverage Comparison

Lowering your 2012 Buick Enclave insurance coverage rates is not a difficult process. All you need to do is spend a few minutes on the computer comparing price quotes from different insurance companies. This can be accomplished using a couple different methods.

  1. The first (and easiest) way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This method saves time by eliminating separate quote forms for each company you want a rate for. Completing one form gets rate comparisons from insurance coverage companies with the best prices.
  2. A less efficient way to compare prices is going to the website for each individual company and fill out their own quote form. For example, let’s assume you want to compare Geico, Esurance and Liberty Mutual. To get each rate you have to go to every website and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.
  3. The least efficient way of comparing rate quotes is driving to and from local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you require the professional advice that only a license agent can provide. Drivers can compare the best prices online but buy from a local insurance agent and we’ll talk about that later.

However you get your quotes, make absolute certain that you use apples-to-apples coverage limits with every price quote. If the quotes have differing limits it will be impossible to make a fair comparison for your Buick Enclave.

Cut prices on Buick Enclave insurance

Car insurance is not cheap, but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but a few need to be inquired about before they will apply. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Enclave insurance with select insurance companies.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Homeowners Discount – Owning a house may trigger a insurance policy discount because owning a home requires personal responsibility.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Low Mileage Discounts – Driving fewer miles could qualify for lower rates on the low mileage vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. Just because you may think you can get free auto insurance, companies don’t profit that way. But any discount will bring down your overall premium however.

A partial list of companies that may offer these money-saving discounts are:

Before buying, ask every prospective company which discounts they offer. Discounts may not apply in every state.

Tailor your coverage to you

When buying the best car insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • Do I need PIP coverage since I have good health insurance?
  • Is my ex-spouse still covered by my policy?
  • Why is insurance for a teen driver so high?
  • Can I get a multi-policy discount?
  • Do I have coverage if my license is suspended?
  • Am I insured when driving a different vehicle?
  • Should I have a commercial auto policy?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Factors determining your Buick Enclave insurance premium

Consumers need to have an understanding of some of the elements that help determine car insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to lower car insurance prices.

  • Marriage pays dividends – Having a wife or husband actually saves money on car insurance. It is viewed as being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Better credit means lower rates – Having a bad credit rating is a huge factor in calculating your car insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit. So if your credit can use some improvement, you could save money insuring your 2012 Buick Enclave by improving your credit score.
  • Older drivers save more – Youthful drivers are known to get distracted easily when driving so they pay higher car insurance rates. Having to add a youthful driver to your car insurance policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets.
  • What are your deductibles? – Your deductibles define the amount you are required to spend before your car insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be for Enclave insurance.
  • Don’t get talked into coverage you don’t need – There are a lot of add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like rental car reimbursement, accidental death and membership fees are examples of these. These may sound like a good investment when talking to your agent, but your needs may have changed so get rid of them and save.
  • Traffic violations increase rates – Your driving record impacts your car insurance rates tremendously. Even a single moving violation may increase your cost by as much as thirty percent. Drivers with clean records get better rates compared to drivers with tickets. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.

Switch companies and save? Really?

Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as Progressive, Geico, Allstate and State Farm. All the companies make the same claim of big savings if you change your policy.

How can each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured could be over the age of 40, insures multiple vehicles, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and therefore will cut their rates substantially.

Drivers who do not match the requirements will be quoted higher premiums which usually ends up with business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” save that kind of money. That’s the way companies can make those claims.

This emphasizes why drivers should get as many comparisons as possible. It is impossible to predict the company that will provide you with the cheapest Buick Enclave insurance rates.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, a tree branch falling on your vehicle, fire damage, hitting a deer and hail damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

This will pay to fix damage to your Enclave caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for 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, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for things like surgery, doctor visits, X-ray expenses, chiropractic care and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

This coverage will cover damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like structural damage, bail bonds, funeral expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Be a penny pincher

As you restructure your insurance plan, you should never reduce needed coverages to save money. There are a lot of situations where an insured dropped collision coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.

We’ve covered many ways to save on 2012 Buick Enclave insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and Geico.

For more information, link through to the resources below: