2013 Buick Enclave Insurance Rates – 10 Savings Tips

Are you irritated from sacrificing other expenses to make your insurance coverage payment? You are no different than millions of other people.

Big companies like Progressive, GEICO and Farmers Insurance constantly bombard you with fancy advertisements and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

It’s a good idea to do price comparisons quite often because prices are variable and change quite frequently. Despite the fact that you may have had the best price for Enclave insurance a year ago you can probably find a better rate now. There are lots of tips to save on insurance coverage out there, but you can learn some solid techniques on how to buy insurance coverage cheaper.

If you are paying for car insurance now, you stand a good chance to be able to save some money using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. But car owners need to learn the way insurance companies price insurance differently.

Shop insurance online

There are a lot of ways to compare insurance prices but some are easier and takes less work. You can spend countless hours driving to local insurance agents in your area, or you could save time and use the internet to quickly compare rates.

Many insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each company returns a competitive quote based on that information. This eliminates the need for quote requests to every company. To get comparison pricing now click to open in new window.

The single downside to pricing coverage this way is that consumers can’t choose which providers you will receive quotes from. So if you prefer to choose specific providers to request quotes from, we have a page of the cheapest insurance companies in your area. Click to view list.

Whichever way you use, make sure you are using apples-to-apples coverage data for each comparison quote. If the quotes have unequal deductibles or liability limits it will be next to impossible to find the best deal for your Buick Enclave. Having just a slight variation in coverage limits may cause a big price difference. And when quoting insurance, remember that getting more free quotes will enable you to find lower pricing. Not every company allows you to get rate quotes online, so it’s necessary to compare prices from the smaller companies as well.

You may qualify for discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but some must be specifically requested before you will receive the discount. If you do not double check each discount you deserve, you are just wasting money.

  • Life Insurance Discount – Not all companies offer life insurance, but some may give you a discount if you purchase life insurance.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • E-sign Discounts – Many insurance companies may give you up to $50 for buying your policy digitally online.
  • Homeowners Savings – Being a homeowner can earn you a little savings because maintaining a house requires a higher level of personal finance.
  • Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction for Enclave insurance but check with your company.
  • Distant College Student Discount – Children living away from home attending college without a vehicle on campus can receive lower rates.
  • No Claims – Drivers with accident-free driving histories pay less when compared to bad drivers.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
  • Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of 25 to 30%.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for lower prices on the low mileage vehicles.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, it just doesn’t work that way.

Some of the larger companies who may offer many of the previously listed discounts are:

If you need cheaper insurance quotes, ask every company which discounts you may be entitled to. Savings might not be offered on policies in your state. To see a list of companies that can offer you the previously mentioned discounts, click here.

There’s no such thing as the perfect auto insurance policy

When it comes to buying adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out whether your personal situation might need an agent’s assistance.

  • How can I find cheaper teen driver insurance?
  • Should I carry comprehensive and collision coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my teenager covered with friends in the car?
  • Can I afford low physical damage deductibles?
  • Should I bundle my homeowners policy with my auto?
  • When would I need additional glass coverage?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Do drivers who switch really save $491 a year?

Insurance providers like State Farm, Allstate and GEICO consistently run television, radio, and online ads. They all seem to seem to make the promise about how much you will save if you switch to their company. How is it possible that every company can give you a lower rate? Here is the trick they use.

Insurance companies have underwriting criteria for the type of driver that will most likely be profitable. An example of this type of insured could possibly be between the ages of 30 and 50, has no prior claims, and drives a vehicle with a low ISO rating. A customer getting a price quote who matches those parameters will get the preferred premium rates and will most likely cut their rates substantially.

Consumers who fall outside those standards will be quoted higher prices and the prospect going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” save that much when switching. That’s the way insurance companies can lure you into getting a quote. This illustrates why you need to compare many company’s rates. Because you never know with any certainty which company will have the best prices at this point in time.

Coverages available on your policy

Knowing the specifics of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. These are the normal coverages found on most auto insurance policies.

Collision protection

Collision insurance pays for damage to your Enclave caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sustaining damage from a pot hole, backing into a parked car, damaging your car on a curb, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability car insurance

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like medical expenses, bail bonds and medical services. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Buick Enclave.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, damage from getting keyed, theft and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses such as ambulance fees, rehabilitation expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

When buying insurance coverage, you should never reduce needed coverages to save money. In too many instances, someone dropped liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

You just learned many ideas to lower your 2013 Buick Enclave insurance prices. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even discover the best prices are with a smaller regional carrier. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

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