2014 Buick Enclave Insurance Rates – 8 Ways to Save

Want lower auto insurance rates for your Buick Enclave? Feeling guilty for buying an overpriced auto insurance policy? Believe me, there are many consumers feeling the pinch from expensive auto insurance. Consumers have so many insurers to pick from, and although it’s nice to have a choice, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.

Consumers need to get comparison quotes at least once a year because insurance rates change regularly. Just because you had the best deal on Enclave insurance two years ago there is a good chance you can find better prices now. Ignore everything you know about auto insurance because you’re about to learn the fastest and easiest way to find better coverage at a better price.

Where can I get affordable auto insurance?

Finding a better price on auto insurance is actually easier than you may think. Drivers just need to spend a little time comparing price quotes to find the company with the cheapest auto insurance quotes. This can be accomplished in just a few minutes using one of these methods.

  1. The most efficient method to find low rates is an all-inclusive rate comparison click to view form in new window. This easy form keeps you from doing separate quotes for every company. One quote request will return quotes from all major companies.
  2. Another way to analyze rates is to manually visit each company website and get a separate price quote. For example, we’ll assume you want to see prices from Farmers, Esurance and Travelers. To get rate quotes you would need to take the time to go to each site to enter your coverage information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Whichever method you choose, compare equivalent coverages and limits for each quote you get. If you compare mixed coverages you can’t possibly decipher which rate is best.

Eight discounts to earn cheap auto insurance rates

Some providers don’t always publicize every policy discount in a way that’s easy to find, so the following list contains some of the best known as well as some of the hidden credits available to bring down your rates. If you check and find you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Own a Home and Save – Owning a house may earn you a small savings because of the fact that having a home means you have a higher level of financial diligence.
  • Passive Restraints – Options like air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
  • Payment Method – By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.
  • Military Deployment Discount – Being deployed in the military can result in better premium rates.
  • Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks shop auto insurance on the internet.
  • Accident Forgiveness – Not necessarily a discount, but companies like Allstate and State Farm permit an accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and therefore earn up to a 10% discount.
  • Employee of Federal Government – Active or former government employment can earn a discount up to 10% on Enclave insurance depending on your company.

We need to note that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will help reduce the premium cost.

A few of the larger companies and their offered discounts are detailed below.

  • State Farm discounts include multiple policy, Drive Safe & Save, student away at school, passive restraint, and Steer Clear safe driver discount.
  • Progressive may offer discounts for multi-policy, good student, homeowner, multi-vehicle, continuous coverage, online signing, and online quote discount.
  • Progressive may include discounts for multi-policy, good student, continuous coverage, online quote discount, homeowner, online signing, and multi-vehicle.
  • MetLife offers discounts for claim-free, good driver, multi-policy, accident-free, defensive driver, and good student.
  • Farm Bureau offers premium reductions for multi-policy, 55 and retired, driver training, multi-vehicle, good student, youthful driver, and safe driver.
  • Geico has savings for anti-theft, defensive driver, federal employee, driver training, good student, daytime running lights, and military active duty.
  • SAFECO has discounts for anti-theft, homeowner, safe driver, anti-lock brakes, multi-car, accident prevention training, and drive less.

Double check with every insurance company to give you their best rates. Some of the earlier mentioned discounts may not be offered in your area.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining if you might need professional guidance.

  • Is a blown tire covered by insurance?
  • Is my state a no-fault state?
  • How much can I save by bundling my policies?
  • Can I afford to pay high deductible claims out of pocket?
  • How can I get my company to pay me more for my totalled car?
  • What discounts do I qualify for?
  • When should my teen driver be added to my policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Understanding the coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Auto liability insurance – This protects you from injuries or damage you cause to other’s property or people in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as medical services, structural damage, legal defense fees, funeral expenses and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

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

Comprehensive can pay for claims such as rock chips in glass, a tree branch falling on your vehicle, theft, a broken windshield and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – This pays for damage to your Enclave caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a ditch, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Buick Enclave.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like nursing services, hospital visits and surgery. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comments About 2014 Buick Enclave Insurance

  1. Carylon Riddle

    Cheaper car insurance is a myth. Found cheapest coverage with Safeco for my Buick and am saving around $340 a year. Insured with Safeco before. I get lower rates because of my clean driving record. Get lots of quotes to find the best rate.

  2. Leo Blevins

    From east side of Norfolk, Virginia and for me GEICO had the lowest quote. Insured with Safeco before. Even increased my liability limits.

  3. Maudie Webster

    Cheaper car insurance is a myth. I live north of Newark, Delaware. Quoted with Allstate, Amica, and Farmers for my Buick and saved $349 a year. I have a teen driver too.

  4. Glayds Clayton

    Does Ohio require a SR-22 after a DUI?