How Much Does 2016 Buick Enclave Car Insurance Cost?

Did you come to the realization that you have an overpriced car insurance policy? Trust us, you’re not alone. Companies like Geico, 21st Century and Progressive all promote huge savings with advertising and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You should take the time to compare premium rates occasionally due to the fact that insurance prices go up and down regularly. Just because you had the lowest price on Enclave coverage a few years ago a different company probably has better rates today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.

If you have insurance now or need a new policy, you can use this information to find better prices and still get good coverage. Finding affordable coverage is quite easy. Consumers only need to know the most effective way to find the lowest price over the internet.

Compare free auto insurance rate quotes

Finding low cost auto insurance quotes can be surprisingly simple. Consumers just need to take a few minutes comparing free car insurance quotes from online providers. This can be accomplished in just a few minutes using one of these methods.

If you are pressed for time, the simplest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating boring form submissions for each price estimate. A single form will return quotes direct from many companies.
A more time consuming way to compare rate quotes is spending the time to visit the website for each individual company to request a price quote. For instance, we’ll pretend you are doing a rate comparison from Nationwide, State Farm and Liberty Mutual. You would need to go to every website and enter your information, which is not fast way to get rate quotes.
For a list of links to companies insuring cars in your area, click here.

You can use whichever method you prefer to find lower rates, just ensure you’re using apples-to-apples coverage limits and deductibles for every company. If the quotes have different coverage information then you won’t be able to decipher which rate is best.

Use discounts on insurance

Insurance is easily one of your largest bills, but there are discounts available to reduce the price significantly. Many discounts should be triggered when you quote, but less common discounts must be specially asked for before being credited.

Military Discounts – Being on active deployment in the military could be rewarded with lower prices.
Driver Training Discounts – Passing a safe driver course can save you 5% or more if your company offers it.
Discounts for Responsible Drivers – Insureds without accidents can save up to 40% or more on their car insurance quote on Enclave coverage than less cautious drivers.
Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
Bundle and Save – If you have multiple policies with one company you could get a discount of over 10 percent off each policy depending on the company.
Own a Home and Save – Being a homeowner may trigger a policy discount on insurance because owning a home means you have a higher level of financial diligence.
New Car Discount – Buying a new car model can cost up to 25% less compared to insuring an older model.
Low Mileage Discounts – Fewer annual miles on your Buick may enable drivers to earn lower prices due to less chance of an accident.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky.

Popular insurance companies and some of the premium reductions they offer are shown below.

Geico has discounts for daytime running lights, multi-vehicle, anti-lock brakes, defensive driver, and driver training.
Travelers offers premium reductions for hybrid/electric vehicle, driver training, early quote, new car, and IntelliDrive.
Farm Bureau discounts include youthful driver, multi-policy, renewal discount, safe driver, driver training, and 55 and retired.
Liberty Mutual offers discounts including new move discount, teen driver discount, preferred payment discount, new graduate, and multi-policy.
American Family may offer discounts for good driver, air bags, defensive driver, early bird, accident-free, and mySafetyValet.
Progressive may include discounts for online signing, good student, homeowner, continuous coverage, and online quote discount.

When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. Some discounts listed above may not be available in your area.

Tailor your car insurance coverage to you

When choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions could help you determine if your situation might need an agent’s assistance.

Is business equipment covered while in my vehicle?
Am I covered when driving in Canada or Mexico?
Is my Buick Enclave covered if I use it for business?
Am I covered when delivering products for my home-based business?
Will I be non-renewed for getting a DUI or other conviction?
Does medical payments coverage apply to all occupants?
Is rental equipment covered for theft or damage?
Do I need replacement cost coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance policy specifics

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverages offered by car insurance companies.

Auto collision coverage

Collision insurance covers damage to your Enclave resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, hitting a mailbox, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to bring the cost down.

Liability

This will cover damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for 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 limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like emergency aid, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Buick Enclave.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from a tornado or hurricane, damage from flooding, damage from getting keyed and vandalism. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for doctor visits, prosthetic devices, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay