2014 Buick Enclave Car Insurance Rates

Want better insurance rates for your Buick Enclave? Having to pay for pricey Buick Enclave insurance can overdraw your bank account and make it tough to pay other bills. Shopping your coverage around can save money and help to reduce premiums and put more money in your pocket.

Numerous auto insurance companies battle for your hard-earned dollar, so it’s not easy to compare every provider and get the best coverage at the best price available.

Consumers need to compare premium rates yearly due to the fact that insurance prices are usually higher with each renewal. Even if you think you had the best quotes for Enclave coverage a few years ago you can probably find a better rate now. There is a lot of bad information regarding insurance online, but in just a couple of minutes you can learn the best ways to save money.

If you currently have car insurance, you will be able to lower your premiums substantially using this information. Choosing the best insurance company for you is not rocket science. But consumers need to have an understanding of the methods companies use to market on the web and use this information to your advantage.

Take advantage of every auto insurance discount

Auto insurance is not an enjoyable expense, but you may find discounts that can help lower your rates. Certain discounts will be applied when you get a quote, but some need to be manually applied before being credited.

  • Pay Early and Save – If paying your policy premium upfront as opposed to paying monthly you may reduce your total bill.
  • Accident Waiver – but a few companies such as State Farm and Progressive will forgive one accident without the usual rate increase if you have no claims for a set time period.
  • Discounts for Safe Drivers – Accident-free drivers may save up to 50% more for Enclave coverage than drivers with accident claims.
  • ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Claim Free – Drivers with accident-free driving histories pay much less compared to insureds who have frequent claims or accidents.
  • Data Collection Discounts – Drivers who elect to allow companies to track vehicle usage remotely such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they have good driving habits.
  • Sign Online – Certain insurance companies provide a small discount simply for signing on the web.
  • Passive Restraints and Air Bags – Factory air bags can get savings of more than 20%.
  • Homeowners Savings – Owning a house can get you a discount since owning and maintaining a home requires a higher level of personal finance.

As a sidenote, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely lower your policy cost.

Companies and a selection of discounts are shown below.

  • 21st Century includes discounts for homeowners, driver training, teen driver, 55 and older, theft prevention, and student driver.
  • Progressive discounts include homeowner, multi-policy, online signing, online quote discount, good student, multi-vehicle, and continuous coverage.
  • State Farm may have discounts that include multiple autos, good student, student away at school, Drive Safe & Save, and good driver.
  • Nationwide policyholders can earn discounts including business or organization, good student, anti-theft, family plan, accident-free, Farm Bureau membership, and easy pay.
  • Esurance has savings for multi-car, DriveSense, anti-lock brakes, renters, paid-in-full, and Switch & Save.
  • The Hartford has discounts for driver training, anti-theft, air bag, defensive driver, vehicle fuel type, and bundle.

Before you buy a policy, ask each company or agent how many discounts you can get. Some discounts may not apply in your area. If you would like to see a list of providers who offer cheap auto insurance quotes, click here to view.

How to know if you need help

When choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can aid in determining whether you will benefit from professional help.

  • Am I covered when delivering products for my home-based business?
  • If I drive on a suspended license am I covered?
  • How can I find cheaper teen driver insurance?
  • What if I don’t agree with a claim settlement offer?
  • Is my teenager covered with friends in the car?
  • What are the best liability limits?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages available from insurance companies.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your 2014 Buick Enclave.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages

This protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like funeral expenses, repair costs for stationary objects, bail bonds, medical services and structural damage. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, a broken windshield and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays for damage to your Enclave caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like prosthetic devices, X-ray expenses and nursing services. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

More effort can pay off

We just covered a lot of tips how to get a better price on 2014 Buick Enclave insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your prices. Drivers may discover the lowest premium rates come from a small mutual company. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your focus should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

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