Cheaper 2013 Buick Enclave Insurance Rates

Buyers have many options when searching for low-cost Buick Enclave insurance. You can either spend your time driving around trying to get quotes or utilize the internet to find the lowest rates.

There is a better way to shop for auto insurance so we’re going to tell you the absolute fastest way to quote coverages for your Buick and obtain the lowest possible price from local insurance agents and online providers.

Consumers need to do price comparisons before your policy renews since prices go up and down regularly. Even if you think you had the best price for Enclave insurance a couple years back you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the best methods to save money, get proper deductibles and limits, all at the lowest rate.

First Step: Get free insurance coverage quotes

There are several ways to shop for insurance coverage, but one way is less labor-intensive and much quicker. You can waste hours driving to agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Many of the larger companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and every company provides a quote. This system prevents you from having to do form submissions to each individual insurance coverage company.

To find out how much you’re overpaying now click here to start a free quote.

The one downside to comparing rates this way is that consumers can’t choose which insurance companies to receive prices from. So if you prefer to pick specific providers to compare, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

Take whichever approach you prefer, but try to use identical information for each price quote. If the quotes have different liability limits you will not be able to determine which rate is truly the best.

Auto insurance companies offer money-saving discounts

Auto insurance can be pricey, but you might find some hidden discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but a few must be asked about before you will receive the discount.

  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little on the medical payments or PIP coverage costs.
  • Multi-car Discount – Buying coverage for multiple vehicles on one policy can get a discount for every vehicle.
  • Defensive Driver – Taking part in a course teaching defensive driver skills may get you a small discount and make you a better driver.
  • Accident Waiver – This one isn’t a discount, but companies like Geico, State Farm, and Progressive will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims for a certain period of time.
  • Professional Memberships – Affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
  • College Student – Older children living away from home attending college and leave their car at home can receive lower rates.
  • Senior Citizen Rates – If you’re over the age of 55, you may be able to get a small decrease in premiums for Enclave insurance.
  • No Claims – Good drivers with no accidents have much lower rates as compared to bad drivers.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you better auto insurancerates if you take out some life insurance in addition to your auto policy.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and the ABS can save up to 10%.

It’s important to understand that many deductions do not apply the the whole policy. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, nobody gets a free ride. Any qualifying discounts will bring down the cost of coverage.

To choose insurance companies with the best discounts, follow this link.

Five tips to get more affordable insurance prices

Lots of factors are part of the equation when pricing auto insurance. A few of the factors are predictable like your driving record, but some are not quite as obvious like your vehicle usage or your vehicle rating.It’s important that you understand the factors that help determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in big savings.

The following are a few of the “ingredients” used by insurance companies to determine your prices.

  • The more you drive the more you pay – The more you drive in a year’s time the higher your rate. Many insurance companies calculate rates based upon how you use the vehicle. Vehicles that do not get driven very much can be on a lower rate level than those that get driven frequently. Ask your agent if your insurance coverage policy shows the correct usage for each vehicle, because improper ratings can cost you money. A policy that improperly rates your Enclave can result in significantly higher rates.
  • Safeguard your assets with liability protection – The liability coverage on your policy is the coverage that protects you if a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense coverage which can be incredibly expensive. It is affordable coverage when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Policy add-ons can waste money – Insurance policies have a lot of add-on coverages that sound like a good idea at the time when buying insurance coverage. Things like coverage for rental cars, towing, and term life insurance may be costing you every month. They may sound like good ideas when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Insure your auto and home with one company – Most major insurers afford lower prices to clients who carry more than one policy such as combining an auto and homeowners policy. Even with this discount, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.There is a chance you can save even more than the discount even if you insure with multiple companies
  • Never have insurance coverage lapses – Driving with no insurance is a big no-no and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.

Do I just need basic coverages?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions might help in determining if you might need an agent’s assistance.

  • Why does it cost so much to insure a teen driver?
  • Where can I find DUI or SR-22 insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is a new car covered when I drive it off the dealer lot?
  • Does liability extend to a camper or trailer?
  • Should I put collision coverage on all my vehicles?
  • Am I insured when driving a different vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Insurance specifics

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, theft and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Buick Enclave.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for chiropractic care, prosthetic devices, dental work, nursing services and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability

Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like medical expenses, legal defense fees, loss of income, pain and suffering and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your Enclave caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, rolling your car, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Online plus local equals savings

When searching for cheap insurance coverage quotes, never reduce needed coverages to save money. Too many times, drivers have reduced uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your focus should be to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

We just showed you a lot of techniques to shop for 2013 Buick Enclave insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

A few companies don’t offer internet price quotes and many times these small insurance companies sell through independent insurance agencies. Low-cost 2013 Buick Enclave insurance can be bought from both online companies and from local insurance agents, so you should compare both in order to have the best price selection to choose from.

Additional information can be read at the links below