Compare 2010 Buick Enclave Insurance Quotes

Trying to find lower car insurance rates for your Buick Enclave? Feel like you’re a prisoner to overpriced car insurance? Believe me when I say there are many consumers feeling the pinch from expensive car insurance. Big companies like GEICO, Progressive and Allstate all claim big savings, bombarding you with ads and it is difficult to ignore the flashy ads and find the best price available.

If you have insurance now or are shopping for new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of the proper methods to get comparison quotes online.

Quote insurance online

Reducing your 2010 Buick Enclave insurance rates is not rocket science. All you need to do is invest a few minutes comparing free car insurance quotes to find out which insurance company has low cost car insurance quotes. Insurance prices can be quoted using a couple different methods.

  1. If you’re in a hurry, the quickest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method eliminates the need for separate quotation requests for each company you want a rate for. One simple form gets rate comparisons from insurance companies with the best prices.
  2. A different way to find lower rates is to take the time to go to each company’s website and fill out their own quote form. For example, let’s assume you want to get rates from Auto-Owners, GEICO and Farmers. To find out each rate you need to spend time going to each site individually to enter your coverage information, which can get rather old. For a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage data for every quote you compare. If you compare mixed coverages you will not be able to truly determine the lowest rate.

Earn discounts to get lower-cost car insurance rates

Some providers do not advertise all disounts in an easy-to-find place, so we took the time to find some of the best known as well as the least known discounts that you may qualify for.

  • Save with a New Car – Insuring a new car can save up to 30% since new model year vehicles are generally safer.
  • Multi-car Discount – Buying a policy with more than one vehicle on one policy could earn a price break for each car.
  • Discount for Life Insurance – Companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
  • Renewal Discounts – Some insurance companies give discounts for signing up early. It’s a savings of about 10%.
  • Seat Belt Discounts – Requiring all passengers to fasten their seat belts could save 15% off the PIP or medical payment premium.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.
  • Early Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
  • Discount for Passive Restraints – Vehicles equipped with air bags may get savings of 20% or more.
  • Paperless Signup – A few companies provide a small discount simply for signing online.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Enclave insurance than their less cautious counterparts.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works. Any amount of discount will reduce your premiums.

A partial list of companies that may have these discounts may include but are not limited to:

When getting free car insurance quotes, it’s a good idea to each company how many discounts you can get. Some discounts may not apply everywhere.

Why informed consumers pay less for Buick Enclave insurance

It’s important that you understand some of the things that aid in calculating auto insurance rates. When consumers understand what impacts premium levels, this enables informed choices that may result in cheaper rates. Many different elements are part of the equation when pricing auto insurance. Most are fairly basic such as traffic violations, although others are not quite as obvious like your continuous coverage or your vehicle rating.

  • Your job and auto insurance rates – Occupational choices like military generals, social workers and emergency personnel usually pay higher average rates attributed to stressful work requirements and extremely grueling work hours. Other occupations such as actors, historians and homemakers generally pay rates lower than average on Enclave insurance.
  • Premiums are lower the older you get – Drivers with little experience are known to be easily distracted when driving with friends therefore auto insurance rates are much higher. Adding a teenage driver to your policy can be very expensive. More experienced drivers tend to be more responsible, cause fewer claims and accidents and are safer drivers.
  • High coverage deductibles cost less – Insurance for physical damage to your car, aka comp and collision, protects your Buick from damage. A few examples of covered claims are a broken windshield, damage from fire, and rolling your vehicle. The deductibles represent how much money you are required to pay in the event of a claim. The larger the amount you pay before a claim is paid (deductible), the better rate you will receive on Enclave insurance.
  • Rates impacted by vehicle usage – The more you drive your Buick in a year’s time the higher your rate. A lot of insurance companies calculate prices based on their usage. Cars and trucks used primarily for pleasure use can be on a lower rate level than vehicles that are driven to work every day. Having the wrong rating on your Enclave can result in significantly higher rates. It’s a smart idea to ensure your auto insurance declarations sheet is showing annual mileage.
  • Deter theft and save – Selecting a car model that has a built-in theft deterrent system can save you a little every year. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft and help bring rates down.
  • Which gender costs less? – Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn’t prove that females are better at driving than males. Males and females get in fender benders at a similar rate, but males have accidents that have higher claims. Men also statistically get cited for more serious violations such as DWI and reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and are penalized with high auto insurance rates.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out if your insurance needs could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • Does coverage extend to my business vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Where can I find DUI or SR-22 insurance?
  • Do I need special endorsements for business use of my vehicle?
  • When should my teen driver be added to my policy?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a Buick Enclave

Knowing the specifics of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Auto liability

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as bail bonds, emergency aid, medical services, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Collision insurance

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, scraping a guard rail, backing into a parked car, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, theft, vandalism and falling objects. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like prosthetic devices, pain medications, hospital visits and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

A fool and his money are soon parted

A few companies do not provide price quotes online and many times these regional carriers only sell through independent agents. Cheap 2010 Buick Enclave insurance can be sourced from both online companies in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced full coverage only to regret at claim time that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.

Additional information is available on the following sites: