2009 Buick Enclave Insurance Rates

Trying to find low-cost insurance for a new or used Buick Enclave can be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to find auto insurance online and you need to know the absolute fastest way to compare rates for a Buick and locate the lowest possible price either online or from local insurance agents.

Get more affordable insurance with these tips

Many different elements are part of the calculation when you get a price on insurance. Some factors are common sense such as your driving history, but others are less apparent like your continuous coverage or your commute time.

  • Prevent theft and save – Owning a car that has a built-in theft deterrent system can save you some money. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.
  • Lower rates for cars with good safety ratings – Cars with five star safety ratings are cheaper to insure. Highly rated vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means less money paid by your insurance company and thus lower rates. If your Buick scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Credit rating impact insurance premiums – Having a good credit score can be an important factor in your rate calculation. If your credit rating could use some work, you could pay less to insure your 2009 Buick Enclave by spending a little time repairing your credit. Insureds with high credit scores tend to be more responsible than those with bad credit.
  • Gender and auto insurance – Statistics have proven women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. Females and males are responsible for accidents at about the same rate, but guys tend to have higher claims. Men also receive more major tickets such as DWI and reckless driving.

Earn discounts to get lower-cost insurance rates

Insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that you may not know about. A few discounts will automatically apply at the time of quoting, but some discounts are required to be asked about in order for you to get them. If you do not double check each discount you qualify for, you could be paying more than you need to.

  • Multi-line Discount – Not all companies offer life insurance, but some may give you lower rates if you buy life insurance.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper since new vehicles have better safety ratings.
  • Government Employee Discount – Active or retired federal employment may reduce rates when you quote car insurance for Enclave coverage with certain companies.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control are much safer to drive and will save you 10% or more.
  • Good Grades Discount – Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.

Consumers should know that most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when it seems like you could get a free insurance policy, company stockholders wouldn’t be very happy.

Insurance companies who may offer some of the discounts shown above include:

Check with each company to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders in your area. To locate insurance companies that offer many of these discounts, follow this link.

Save $484 a year! What?

Drivers can’t get away from ads that promise big savings from companies such as Geico, State Farm and Progressive. All the ads say the same thing about saving some big amount if you change your coverage to them.

Is it even possible that every company can charge lower premium rates? You have to listen carefully.

Insurance providers are able to cherry pick for a prospective insured that will generate a profit. A good example of a driver they prefer may need to be between the ages of 30 and 45, has no prior claims, and has great credit. Someone who meets those qualifications is entitled to the best price as well as save when they switch companies.

Consumers who may not quite match these criteria will be charged a higher premium and this can result in business not being written. The ads state “people that switch” not “everyone that quotes” save that much. This is how insurance companies can make the claims of big savings. Different companies use different criteria so you really should compare many company’s car insurance rates. Because you never know with any certainty which company will be your best fit.

Tailor your auto insurance coverage to you

When buying coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

For instance, these questions may help you determine whether you might need professional guidance.

  • Why do I only qualify for high-risk insurance?
  • What are the best liability limits?
  • If I drive on a suspended license am I covered?
  • Does coverage extend to my business vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is extra glass coverage worth it?
  • What is the ISO rating for a 2009 Buick Enclave?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a Buick Enclave

Having a good grasp of a auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, hitting a deer, rock chips in glass and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

This provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as court costs, bail bonds, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like prosthetic devices, dental work, pain medications and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Shop. Compare. Save.

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. There have been many cases where someone dropped physical damage coverage to discover at claim time that they should have had better coverage. The goal is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

Insureds who switch companies do it for a variety of reasons including questionable increases in premium, high rates after DUI convictions, lack of trust in their agent and even high prices. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.

We’ve covered a lot of techniques to save on 2009 Buick Enclave insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest prices are with a smaller regional carrier.

More detailed car insurance information is located by following these links: