2018 Buick Enclave Car Insurance Quotes

Searching for better car insurance rates? Consumers have options when looking for affordable Buick Enclave insurance. You can either spend your time struggling with agents to get rate comparisons or leverage the internet to make rate comparisons. There is a right way and a wrong way to find car insurance online so you’re going to learn the best way to get price quotes for a new or used Buick and get the lowest possible price.

You should make it a habit to compare premium rates occasionally because prices are usually higher with each renewal. Even if you think you had the lowest quotes for Enclave insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn the best methods to properly buy coverages and cut your premium.

Cheap car insurance quotes

There are a variety of methods to compare car insurance quotes, but one way is less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with agents in your area, or you could use online quoting to get prices fast.

Many insurance companies belong to a marketplace that allows shoppers to complete one form, and every company can give them a price. This eliminates the need for quote forms to every company.

To get comparison pricing now click to open in new window.

The one downside to using this type of system is that consumers can’t choose which providers to receive prices from. If you prefer to choose specific providers for rate comparison, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

The approach you take is up to you, just compare identical quote data on every price quote you get. If you have differing limits it’s impossible to truly determine the lowest rate.

Is there deception in advertising?

Consumers can’t ignore all the ads that claim the lowest auto insurance rates by Allstate and Progressive. All the ads make the same claim about savings after switching your car insurance coverage to their company.

How does each company save you money? It’s all in how they say it.

All companies have specific guidelines for the driver that earns them the highest profit. For instance, this type of insured might have to be between the ages of 30 and 45, has other policies, and drives newer vehicles. A customer that fits those parameters will get low premium rates and most likely will save money with a new company.

Insureds who don’t meet these stringent criteria will have to pay a higher rate and this can result in the customer buying from someone else. If you listen closely, the ads state “people who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why companies can lure you into getting a quote. Because of the profiling, you absolutely need to compare rate quotes every year. Because without a comparison, you cannot know which insurance companies will have the best prices at this point in time.

More affordable rates by taking advantage of discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will be applied at the time of purchase, but lesser-known reductions have to be asked about before being credited. If you do not double check each discount you deserve, you may be paying too high a price.

• Seat Belt Discounts – Drivers who require all occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
• Student Discounts – Maintaining excellent grades can save 20 to 25%. The discount lasts up to age 25.
• Auto/Life Discount – Select insurance companies reward you with a lower premium rate if you buy some life insurance in addition to your auto policy.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Cautious Drivers – Insureds without accidents can save as much as half off their rates for Enclave insurance compared to rates paid by drivers with frequent claims.
• Student Driver Training – Require your teen driver to complete a driver education course in high school.

Don’t be shocked that most discounts do not apply the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any qualifying discounts will cut the cost of coverage.

Popular auto insurance companies and some of the discounts are included below.

• Geico has savings for membership and employees, seat belt use, daytime running lights, air bags, good student, defensive driver, and emergency military deployment.
• SAFECO offers discounts for drive less, anti-theft, accident prevention training, homeowner, anti-lock brakes, safe driver, and bundle discounts.
• State Farm policyholders can earn discounts including accident-free, student away at school, passive restraint, driver’s education, defensive driving training, and multiple policy.
• MetLife may have discounts that include good student, good driver, accident-free, claim-free, multi-policy, and defensive driver.
• 21st Century may include discounts for student driver, early bird, automatic seat belts, driver training, good student, 55 and older, and air bags.
• Progressive has discounts for online quote discount, continuous coverage, multi-vehicle, good student, homeowner, multi-policy, and online signing.

Before you buy a policy, ask all the companies which discounts they offer. All car insurance discounts may not apply to policies everywhere.

How much insurance coverage do I need?

When it comes to buying coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions may help highlight if your insurance needs may require specific advice.

• How do I file an SR-22 for a DUI in my state?
• Can my teen driver be rated on a liability-only vehicle?
• Should I buy additional glass protection?
• How much can I save by bundling my policies?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do all my vehicles need collision coverage?
• Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverages and their meanings

Knowing the specifics of insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability coverage

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy 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 a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, medical expenses, legal defense fees and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 2018 Buick Enclave.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like surgery, dental work, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, crashing into a ditch, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, rock chips in glass, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

What is YOUR best insurance company?

A few companies may not provide online price quotes and most of the time these smaller companies provide coverage only through independent agencies. Cost effective 2018 Buick Enclave insurance can be bought online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from.

Drivers leave their current company for many reasons like not issuing a premium refund, denial of a claim, questionable increases in premium and even delays in responding to claim requests. No matter why you want to switch, switching companies is easier than you think.

We’ve covered quite a bit of information on how to get a better price on 2018 Buick Enclave insurance. The key thing to remember is the more you quote car insurance, the higher the chance of saving money. Consumers could even find that the most savings is with the least-expected company.

More information can be found below:

• Get the Right Protection (InsureUonline.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Eight Auto Insurance Myths (Insurance Information Insitute)