How Much Does 2017 Buick Enclave Insurance Cost?

Searching for the cheapest auto insurance rates for your Buick Enclave? Locating the cheapest insurance for a Buick Enclave can normally be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to find auto insurance online so you’re going to learn the proper way to price shop coverage on a Buick and obtain the lowest possible price either online or from local insurance agents.

Locating the best coverage can be fairly easy. If you have insurance now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. Vehicle owners only need an understanding of the most efficient way to compare price quotes on the web.

Low cost insurance coverage prices

Shopping for lower insurance coverage rates can take hours if you don’t utilize the fastest way to get free quotes. You could waste time talking to agents in your area, or you could save time and use the web to get rates in a matter of minutes.

Many of the larger companies participate in an industry program that enables customers to only type in their quote data once, and every company can provide price quotes. This saves time by eliminating form submissions to each individual insurance coverage company.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to using this type of system is buyers cannot specifically choose which providers to receive prices from. If you prefer to choose individual companies to request quotes from, we have a page of low cost insurance coverage companies in your area. Click to view list.

Compare rates however you want, just make absolute certain that you use identical coverages with each company. If you compare unequal deductibles or liability limits then you won’t be able to get a fair rate comparison.

Verify you’re getting every discount

Some insurers don’t list all possible discounts in an easy-to-find place, so the list below details some of the best known and also the lesser-known car insurance savings.

  • Accident Forgiveness Coverage – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Professional Organizations – Being in qualifying employment or professional organizations could earn you a nice discount when getting a insurance coverage quote.
  • Bundled Policy Discount – When you have multiple policies with one insurance company you could earn a discount of at least 10% off all policies.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Discount for Swiching Early – A few larger companies allow discounts for signing up prior to your current policy expiring. It can save you around 10%.
  • Lower Rates for Military – Being on active duty in the military may lower your car insurance rates slightly.
  • Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
  • Federal Government Employee – Having worked for a branch of the government could cut as much as 10% off on Enclave coverage with select insurance companies.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and earn discounts up to 10% off your insurance coverage quote.

You can save money using discounts, but some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, you won’t be that lucky.

A list of companies and the discounts they provide can be read below.

  • American Family offers premium reductions for Steer into Savings, good driver, multi-vehicle, accident-free, TimeAway discount, and air bags.
  • Nationwide has savings for defensive driving, Farm Bureau membership, accident-free, business or organization, multi-policy, family plan, and anti-theft.
  • MetLife discounts include multi-policy, good student, accident-free, good driver, defensive driver, claim-free
  • 21st Century may include discounts for defensive driver, 55 and older, early bird, air bags, good student, and student driver.
  • Farmers Insurance policyholders can earn discounts including bundle discounts, good student, business and professional, pay in full, multi-car, and distant student.
  • Allstate may have discounts that include EZ pay plan discount, FullPay discount, premier plus, anti-theft, multi-policy, and passive restraint.

Before purchasing a policy, check with each company or agent what discounts are available to you. Savings might not be offered in your area. To find insurance companies with discount rates, click this link.

When should I discuss my situation with an agent?

When buying coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if you might need professional guidance.

  • Does coverage extend to Mexico or Canada?
  • Can I rate high risk drivers on liability-only vehicles?
  • Which companies will insure high-risk drivers?
  • What is the ISO rating for a 2017 Buick Enclave?
  • Do I have coverage if my license is suspended?
  • Should I put collision coverage on all my vehicles?
  • Are my friends covered when driving my 2017 Buick Enclave?
  • Will my rates increase for filing one claim?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance policy specifics

Having a good grasp of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical costs insurance – Med pay and PIP coverage kick in for expenses such as prosthetic devices, funeral costs, rehabilitation expenses, doctor visits and pain medications. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverages – This coverage pays for damage to your Enclave resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, a broken windshield, theft and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance – This coverage can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as bail bonds, repair costs for stationary objects, funeral expenses and structural damage. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2017 Buick Enclave.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Summing up your insurance search

We covered a lot of information how to shop for 2017 Buick Enclave insurance online. The key concept to understand is the more companies you get car insurance rates for, the better likelihood of getting low cost insurance coverage. Consumers may even find the best price on insurance is with a small local company.

As you quote insurance coverage, you should never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced liability coverage limits only to find out that it was a big mistake. Your objective should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

Insureds leave their current company for a variety of reasons including being labeled a high risk driver, policy non-renewal, an unsatisfactory settlement offer and even high prices. It doesn’t matter what your reason, finding the right insurance provider can be pretty painless.

Additional information can be read on the following sites: