Cheap 2010 Buick Enclave Insurance Cost

Having to pay for overpriced insurance coverage can dwindle your personal savings and put a big crunch on your finances. Doing a price comparison is a great way to make sure you’re not throwing money away. Popular companies such as Progressive, State Farm and Geico persitently shower you with TV and radio ads and it is difficult to see through the deception and take the time to shop coverage around.

Fast and Easy Car Insurance Quotes

Effectively comparing car insurance prices can take hours if you don’t know the best way to get rate quotes. You could spend the better part of a day driving to insurance agencies in your area, or you could save time and use online quoting to get the quickest rates.

Many popular insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To compare pricing click here to start a free quote.

The only drawback to doing it this way is buyers cannot specifically choose the insurers you will receive quotes from. If you wish to select specific insurance companies to compare, we have a listing of the cheapest car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using the exact same coverage limits and deductibles for each price quote. If you compare higher or lower deductibles it will be very difficult to determine which rate is truly the best.

These factors can influence what you pay for Buick Enclave insurance

Smart consumers have a good feel for the factors that go into determining auto insurance rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with lower auto insurance prices.

  • Equipment add-ons that lower auto insurance rates – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Don’t get talked into coverage you don’t need – There are a ton of additional coverages that can waste your money on your auto insurance policy. Insurance for personal injury protection, accident forgiveness and term life insurance are examples of these. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Never go without insurance – Not having insurance can get your license suspended and auto insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance can result in a revoked license or a big fine.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Pleasure use saves money – The more miles you rack up on your Buick in a year’s time the more you will pay for auto insurance. Most insurance companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. If your policy improperly rates your Enclave can result in significantly higher rates. Double check that your auto insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • Younger drivers pay higher rates – Young drivers are known to get distracted easily when behind the wheel so auto insurance rates are higher. Older insureds are more responsible, tend to file fewer claims and get fewer tickets.
  • Where you live can impact rates – Residing in a rural area can be a good thing when insuring your vehicles. Urban drivers tend to have much more traffic and longer commute times. Fewer people means fewer accidents.

Policy discounts you shouldn’t miss

Car insurance can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be specially asked for prior to getting the savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of 20% or more.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiration. The savings is around 10%.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.

It’s important to note that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, insurance companies aren’t that generous. But any discount will cut the cost of coverage.

To see a list of insurers with the best insurance discounts, follow this link.

Insurance agents can help

When choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

  • Do I really need UM/UIM coverage?
  • Can I rent a car in Mexico?
  • What if I don’t agree with a claim settlement offer?
  • When can my company non-renew my policy?
  • Can I afford low physical damage deductibles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is upholstery damage covered by car insurance?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Coverage for collisions

This coverage covers damage to your Enclave resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

This coverage will cover damages or injuries you inflict on other people or property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values 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 $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical services, repair bills for other people’s vehicles, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like dental work, pain medications, prosthetic devices, chiropractic care and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

A fool and his money are soon parted

When shopping online for insurance coverage, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability coverage limits and learned later that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price.

Low-cost 2010 Buick Enclave insurance is available on the web and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance coverage companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Much more information about insurance coverage is available at the links below