2015 Buick Enclave Car Insurance Quotes – 7 Discounts for Best Rates

Want cheaper insurance coverage rates for your Buick Enclave? No one anticipates paying for insurance coverage, especially when the cost is too high. You have multiple car insurance companies to pick from, and even though it’s nice to be able to choose, it can be more challenging to compare rates and find the lowest cost insurance coverage.

You should make it a habit to compare premium rates periodically because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best price on Enclave coverage at your last renewal there may be better deals available now. Ignore everything you know about insurance coverage because you’re going to get a crash course in the best methods to find lower rates on insurance coverage.

Seven discounts for lower-cost insurance coverage rates

Some insurers do not list all disounts very clearly, so we took the time to find both the well known and the harder-to-find credits available to you.

  • Discounts for Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more on Enclave coverage than their less cautious counterparts.
  • Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.
  • Organization Discounts – Belonging to qualifying clubs or civic groups could qualify you for a break on your policy.
  • Include Life Insurance and Save – Insurance carriers who offer life insurance give a small discount if you purchase life insurance.
  • Theft Deterent Discount – Cars and trucks that have factory anti-theft systems prevent vehicle theft and that can save you a little bit as well.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you will save at least 10% off all policies.
  • Smart Student Discounts – This discount can save 20 to 25%. You can use this discount normally up to age 25.

Remember that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will reduce your policy cost.

Large insurance coverage companies and a selection of discounts are detailed below.

  • State Farm has discounts for driver’s education, multiple autos, Drive Safe & Save, safe vehicle, and student away at school.
  • GEICO policyholders can earn discounts including federal employee, driver training, anti-lock brakes, multi-policy, five-year accident-free, daytime running lights, and membership and employees.
  • Progressive includes discounts for homeowner, multi-vehicle, multi-policy, continuous coverage, good student, online quote discount, and online signing.
  • 21st Century offers premium reductions for homeowners, 55 and older, theft prevention, anti-lock brakes, good student, teen driver, and driver training.
  • American Family may offer discounts for bundled insurance, good driver, Steer into Savings, defensive driver, early bird, and multi-vehicle.
  • The Hartford has savings for air bag, anti-theft, vehicle fuel type, good student, bundle, defensive driver, and driver training.
  • AAA may include discounts for multi-car, anti-theft, pay-in-full, education and occupation, and AAA membership discount.

When getting a coverage quote, ask each company or agent to apply every possible discount. Discounts may not be available everywhere. If you would like to see a list of insurance coverage companies that offer discounts, follow this link.

You may need specialized insurance coverage

When choosing coverage, there really is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • What is roadside assistance coverage?
  • Do I really need UM/UIM coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • How much liability insurance is required?
  • Am I missing any policy discounts?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered when driving someone else’s vehicle?
  • Do I need more liability coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Car insurance coverage options for a 2015 Buick Enclave

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.

Liability coverage – This coverage provides protection from damages or injuries you inflict on other’s property or people. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things like legal defense fees, attorney fees, bail bonds and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for bills for rehabilitation expenses, EMT expenses, pain medications, surgery and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Buick Enclave.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive car insurance – This 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 coverage pays for things such as theft, damage from a tornado or hurricane and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage pays for damage to your Enclave resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, hitting a parking meter, driving through your garage door, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Quote more, save more

When shopping online for insurance, do not buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

Throughout this article, we presented some good ideas how to save on 2015 Buick Enclave insurance. The most important thing to understand is the more you quote insurance, the better likelihood of getting cheaper insurance. Consumers may even find the best price on insurance is with an unexpected company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

Cheap 2015 Buick Enclave insurance is available from both online companies as well as from independent agents, so get free insurance quotes from both of them to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and many times these smaller providers work with independent agents.

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