Lower Your 2015 Buick Enclave Insurance Rates

Want the cheapest car insurance rates for your Buick Enclave? Cutting costs on Driverscar insurance might be slightly frustrating for beginners to online price comparisons. Drivers have so many options available that it can easily turn into a ton of work to find more affordable rates.

Pricing more affordable protection is quite easy. Just about every vehicle owner who is shopping for auto insurance will most likely be able to save money. But consumers should learn the methods companies use to price insurance differently.

Low cost auto insurance

When shopping for low cost insurance coverage quotes, there are a couple of ways to obtain and compare prices from different companies. The easiest way to find cheaper 2015 Buick Enclave rates involves getting comparison quotes online. This can be accomplished in a couple of different ways.

If you’re in a hurry, the quickest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This quick form eliminates the need for separate quotation requests for each price estimate. A single, simple form will return quotes from multiple companies. This is perfect if you don’t have a lot of time.

A more time consuming way to get comparison quotes requires a visit to each individual company website and fill out their own quote form. For instance, we’ll assume you are doing a rate comparison from Geico, Esurance and Farmers. You would need to take the time to go to each site and punch in your information repeatedly, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but ensure you are comparing equivalent coverages and limits for every quote you compare. If the quotes have higher or lower deductibles it will be next to impossible to make an equal comparison. Slightly different insurance coverages or limits may cause a big price difference. And when price shopping your coverage, comparing a wide range of rates provides better odds of finding the best price. Some insurance companies are not set up to provide online quotes, so you also need to get price estimates from those companies as well.

Get cheaper insurance coverage quotes with discounts

Some insurance providers do not list the complete list of policy discounts in a way that’s easy to find, so the list below contains some of the more common and the more hidden discounts that may be available.

  • E-sign Discounts</strong – A few larger online companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Discounts for Responsible Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Enclave insurance than drivers with accidents.
  • Onboard Data Collection – Insureds who allow their company to spy on where and when they drive by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as the data is positive.
  • Senior Citizens – If you qualify as a senior citizen, you are able to get lower premium rates on Enclave insurance.
  • Distant Student – Kids who live away from home at college and do not take a car to college may be insured at a cheaper rate.
  • Full Payment Discount – If you can afford to pay the entire bill instead of making monthly payments you can avoid the installment charge.
  • Own a Home – Just being a homeowner can save a few bucks since home ownership requires personal responsibility.
  • New Car Discount – Insuring a vehicle that is new can save up to 30% since newer models are generally safer.

Consumers should know that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. If you do the math and it seems like you can get free auto insurance, you’re out of luck.

A list of companies and some of their more popular discounts are detailed below.

  • State Farm has savings for anti-theft, Drive Safe & Save, good student, accident-free, and defensive driving training.
  • Geico offers premium reductions for membership and employees, defensive driver, seat belt use, emergency military deployment, and military active duty.
  • Allstate may have discounts that include early signing, auto/life discount, EZ pay plan discount, utility vehicle, resident student, and premier discount.
  • SAFECO may include discounts for multi-car, drive less, anti-lock brakes, anti-theft, teen safety rewards, and teen safe driver.
  • Farm Bureau offers discounts for multi-vehicle, driver training, good student, 55 and retired, and multi-policy.
  • Progressive policyholders can earn discounts including online quote discount, multi-vehicle, good student, continuous coverage, online signing, homeowner, and multi-policy.
  • AAA may offer discounts for multi-car, multi-policy, AAA membership discount, good driver, pay-in-full, and anti-theft.

When getting a coverage quote, ask all the companies which discounts they offer. A few discounts may not be available in every state.

Smart buyers can lower their insurance prices

Lots of factors are part of the calculation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although others are not quite as obvious such as your credit history or how financially stable you are.One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that help determine car insurance rates. If you know what determines premiums, this enables informed choices that may reward you with lower rates.

  • With age comes responsibility – Older insureds have been proven to be more responsible, statistically cause fewer accidents , and are generally more financially stable.Youthful drivers have a tendency to be less responsible when at the wheel of a vehicle and because of this, their car insurance rates are much higher.
  • Gender is a factor – Statistics have proven females are less aggressive when driving. This data doesn’t prove that females are better drivers. They both get in fender benders in similar percentages, but men get into accidents with more damage. Not only are claims higher, but men receive more costly citations like driving under the influence (DUI). Male drivers age 16 to 19 generally have the highest accident percentage and therefore have the most expensive car insurance rates.
  • An active car insurance claims history can cost you – Companies give discounts to insureds who are not frequent claim filers. If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is designed for claims that pose a financial burden.
  • A good credit rating can save money – Having a bad credit rating is a big factor in calculating your premium rate. So if your credit rating could use some work, you may save money insuring your 2015 Buick Enclave by improving your rating. Insureds with very high credit ratings tend to be more responsible and file fewer claims than those with bad credit.
  • Choose high crash test ratings and save – Cars with five star safety ratings cost less to insure. Highly rated vehicles reduce injuries and lower injury rates means less claims paid which can mean better rates for you. If your Buick is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • Do I need motorclub coverage?
  • Do all my vehicles need collision coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What happens if I owe more than my 2015 Buick Enclave is worth?
  • Am I covered when pulling a rental trailer?
  • Are my friends covered when driving my 2015 Buick Enclave?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form.

Detailed coverages of your car insurance policy

Learning about specific coverages of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for pain medications, nursing services and ambulance fees. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability insurance – Liability coverage will cover damage that occurs to other’s property or people. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, emergency aid, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverages – Collision insurance pays for damage to your Enclave resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, crashing into a ditch, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, hitting a deer, damage from a tornado or hurricane, theft and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Be a money saver!

People who switch companies do it for a variety of reasons including extreme rates for teen drivers, delays in paying claims, policy cancellation or being labeled a high risk driver. Regardless of your reason for switching companies, switching companies can be pretty painless.

Cheaper 2015 Buick Enclave insurance is definitely available both online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not offer the ability to get a quote online and these small, regional companies prefer to sell through independent agents.

When searching for inexpensive insurance coverage quotes, you should never buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability coverage limits and learned later that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

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Comments About 2015 Buick Enclave Insurance

  1. Nickole Franklin

    Does State Farm offer good discounts?

  2. Elden Richardson

    Great info, thanks for posting. Located in Newark, New Jersey. Quoted with American Family, Safeco, and Western Auto Insurance for my Buick and I’m now saving $18 a month. LOL

  3. Essie Sutton

    GEICO is pretty cheap in Massachusetts! :)

  4. Manuela Wilder

    Found cheapest coverage with Mercury for my Enclave and saved around $500 a year. Not sure if rates are cheaper online or not.

  5. Levi Calderon

    Where is cheaper car insurance? I’m in Baton Rouge, LA. I got free quotes from Progressive, GMAC, and Farmers for my 2015 Buick Enclave and am saving around $430 a year. Was with AIG Insurance.

  6. Teodoro Barry

    From northwest of Owensboro, Kentucky. I don’t recall every quote but I ended up saving about $70 each month. My new agent seems to be really good.

  7. Ciera Mcmillan

    I compared a lot of rate quotes for a 2015 Buick Enclave in Aurora, CO. Ended up at about $330 every six months with AAA. Moved home policy as well.

  8. Lenita Blackburn

    Enjoyed the article. Got a quote with Hartford for my Enclave and saved around $230 a year. I get a discount for insuring multiple vehicles.