View 2018 Buick Enclave Car Insurance Quotes

Did a good deal turn into an overpriced car insurance policy? Don’t sweat it because many consumers are feeling buyer’s remorse and feel like there’s no way out. There is such a variety of auto insurance companies to choose from, and though it is a good thing to be able to choose, it makes it harder to find the best rates.

It’s a good idea to check car insurance prices at least once a year since insurance prices are usually higher with each renewal. Just because you had the best rates on Enclave insurance a year ago you will most likely find a better rate quote today. Block out anything you think you know about car insurance because we’re going to demonstrate one of the easiest ways to find better coverage at a better price.

The purpose of this article is to let you in on how to get online quotes and some tricks to saving. If you currently have car insurance, you will most likely be able to save some money using this information. Vehicle owners just need to understand the tricks to shop for insurance coverage over the internet.

Cheap car insurance price quotes

There are a lot of ways to compare car insurance quotes, and some are easier and takes less work. You could waste time discussing policy coverages with agents in your area, or you could save time and use the web to achieve your goal.

Most of the larger companies are enrolled in a marketplace where prospective buyers complete one form, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating quote forms for each company you want a rate for. To find out how much you can save on car insurance click here (opens in new window).

The only downside to getting quotes like this is you can’t choose which carriers to get quotes from. If you wish to select individual companies for rate comparison, we put together a list of car insurance companies in your area. Click here to view list.

Compare rates however you want, just compare apples-to-apples deductibles and coverage limits with each company. If your comparisons have different coverage information it will be very difficult to make a fair rate comparison.

Eight factors that determine insurance premiums

A large part of saving on car insurance is knowing the different types of things that help determine the rates you pay for car insurance. If you have a feel for what determines base rates, this enables informed choices that could help you find lower premium levels.

  • Poor credit history equals high costs – Your credit rating is likely to be a major factor in calculating your premium rate. Therefore, if your credit rating could use some work, you could be paying less to insure your 2018 Buick Enclave by repairing your credit. Drivers who have high credit ratings tend to file fewer claims as compared to drivers with poor credit scores.
  • Your job may affect prices – Occupational choices like lawyers, executives and accountants usually pay higher rates than average due to stressful work requirements and lengthy work days. On the flip side, careers such as professors, athletes and homemakers have lower than average premiums on Enclave insurance.
  • Safer vehicles means cheaper premiums – Safer cars tend to have lower insurance rates. Safe vehicles have better occupant injury protection and reduced instances of injuries translates directly to fewer claims and more competitive rates for policyholders.
  • Rate your vehicle for proper use – The more you drive your Buick each year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Improper usage on your Enclave may be wasting your money. Ask your agent if your car insurance coverage reflects the proper vehicle usage, because it can save money.
  • Never let your coverage expire – Going without insurance is a quick way to drive up your policy premiums. And not only will your rates increase, the inability to provide proof of insurance may result in a steep fine or even jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Deter theft and lower car insurance rates – Owning a car with a theft deterrent system can save you some money. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Rural vs Urban Areas – Residing in a small town has it’s advantages when it comes to car insurance. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Residents of big cities have to deal with more auto accidents and more severe claims. Higher commute times means more chances of being involved in an auto accident.
  • Bundle home and auto and save – Many companies provide a discount for people that buy multiple policies such as combining an auto and homeowners policy. Discounts can add up to ten or even fifteen percent. If you currently are using one company, you may still want to compare other insurance prices to ensure the best deal. You may still be able to save even more than the discount even if you insure with multiple companies

Lower rates by qualifying for discounts

Auto insurance companies do not advertise all possible discounts very well, so the list below gives a summary of both the well known and the more hidden credits available to you.

  • Multi-policy Discount – If you can bundle your homeowners and auto insurance with one insurance company you could save up to 20% and get you cheaper auto insurance.
  • Telematics Devices – People who choose to allow their company to track their driving habits by installing a telematics device like Allstate’s Drivewise may see discounts if they have good driving habits.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Clubs and Organizations – Belonging to certain professional organizations could earn you a nice discount when getting a auto insurance quote.
  • Military Rewards – Being deployed with a military unit could mean lower premium rates.
  • Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase some life insurance in addition to your auto policy.
  • Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates on Enclave insurance compared to rates paid by drivers with frequent claims.

One last thing about discounts, most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will cut your insurance premiums.

The best insurance companies and a summarized list of policyholder discounts are shown below.

  • Progressive has discounts for multi-vehicle, multi-policy, continuous coverage, online signing, and good student.
  • SAFECO includes discounts for safe driver, teen safe driver, anti-lock brakes, homeowner, teen safety rewards, and bundle discounts.
  • American Family discounts include accident-free, multi-vehicle, Steer into Savings, TimeAway discount, good driver, and early bird.
  • MetLife has savings for multi-policy, defensive driver, good student, claim-free, and accident-free.
  • GEICO may offer discounts for anti-theft, air bags, daytime running lights, multi-vehicle, and defensive driver.
  • The Hartford policyholders can earn discounts including vehicle fuel type, air bag, defensive driver, anti-theft, good student, and driver training.

Before you buy a policy, ask every prospective company the best way to save money. Some discounts listed above may not apply in your area. If you would like to choose from a list of providers who offer online insurance quotes, click here to view.

Insurance is unique, just like you

When buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique so this has to be addressed. For example, these questions could help you determine whether you would benefit from professional advice.

  • Is my nanny covered when driving my vehicle?
  • If my 2018 Buick Enclave is totaled, can I afford another vehicle?
  • Should I get collision insurance on every vehicle?
  • Am I covered if I drive in a foreign country?
  • How can I find cheaper teen driver insurance?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

The coverage is in the details

Having a good grasp of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, hitting a bird, damage from a tornado or hurricane and vandalism. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage can cover damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as attorney fees, bail bonds and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses such as chiropractic care, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Buick Enclave.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Pennies from heaven

More affordable insurance is available from both online companies and with local insurance agents, so you need to shop auto insurance with both to have the best selection. Some insurance providers do not provide price quotes online and usually these small, regional companies only sell coverage through independent agencies.

You just learned some good ideas how to reduce 2018 Buick Enclave insurance rates online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the smallest insurance companies. They may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

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