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Buick Enclave Insurance Rates

Buying car insurance from online companies is easy and at the same time you will probably save money. The key is to compare rates from all companies in order to accurately compare the cheapest rate quotes.

People who are new to comparison shopping may think buying low-cost Enclave insurance can be quite difficult. To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. The recommended way to find the cheapest Enclave insurance cost is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact the rate you pay?

Insurance rates on a Buick Enclave will vary greatly based upon several criteria. Taken into consideration are:

  • Your driving record
  • Your credit history
  • Male rates may be higher
  • The deductible you choose
  • Your vehicle's safety rating
  • Your profession
  • The level of coverage
  • Whether you rent or own your home

One last important factor that helps determine the rate you pay on your Buick is the year of manufacture. Older models have a reduced actual cash value so the cost to replace them will push premiums down. Conversely, newer vehicles may have options such as lane departure warning system, dual-stage airbags, and pedestrian detection so those may help offset higher rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage - Liability insurance can cover damages or injuries you inflict on people or other property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverage - Collision insurance covers damage to your Buick resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your Enclave can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage - This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not an option in every state and may carry a deductible.

How Much are Buick Enclave Insurance Rates?