2011 Buick Enclave Insurance Cost

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you you’re not the only one.

Companies like Geico and Progressive increase brand awareness with fancy advertisements and it can be hard to see through the deception and do the work needed to find the best deal.

It’s smart to get comparison quotes on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the best rates for Enclave coverage a year ago the chances are good that you can find a lower rate today. So just forget all the misinformation about car insurance because you’re going to learn the easiest way to save on car insurance.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. Buying car insurance is quite easy. Nevertheless, car owners need to have an understanding of how companies sell insurance online and use this information to your advantage.

How to reduce 2011 Buick Enclave insurance rates

Companies that sell car insurance don’t always advertise every discount very clearly, so we researched both the well known as well as the least known ways to save on insurance.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Enclave coverage than less cautious drivers.
  • Accident Free – Drivers with accident-free driving histories pay less as compared to bad drivers.
  • Discount for New Cars – Insuring a new car can save up to 30% compared to insuring an older model.
  • Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Sign Online – A handful of insurance companies may give you up to $50 just for signing your application over the internet.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of providers who offer insurance discounts, click here.

Why your Buick Enclave insurance rates may be high

Smart consumers have a good feel for the factors that go into determining the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that could result in big savings.

Listed below are a partial list of the pieces auto insurance companies consider when setting premiums.

  • Liability coverage is cheap – Liability insurance provides coverage if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Safer occupants lowers premiums – Vehicles with good safety scores tend to have better insurance rates. Safer cars reduce injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Buick Enclave is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • Pay less if you’re married – Having a wife or husband can get you a discount on your policy. Having a spouse is viewed as being more mature than a single person and statistics show married couples file fewer claims.
  • Males pay more for insurance – Statistics demonstrate that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men have accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Young males tend to get in the most accidents and thus pay the highest rates.
  • Frequent auto insurance claims increase rates – If you file claims often, you can definitely plan on either higher rates or even cancellation. Car insurance companies give cheaper rates to policyholders who are claim-free. Car insurance is meant to be used in the event of major claims that would cause financial hardship.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • Can I get a multi-policy discount?
  • Do I need rental car coverage?
  • When can I cancel my policy?
  • Am I covered if my car is in a flood?
  • How can I force my company to pay a claim?
  • Where can I get insurance after a DUI in my state?
  • Is pleasure use cheaper than using my 2011 Buick Enclave to commute?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance 101

Learning about specific coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, a tree branch falling on your vehicle and theft. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2011 Buick Enclave.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision coverage

Collision insurance pays for damage to your Enclave from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, crashing into a ditch, rolling your car, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses such as nursing services, pain medications, funeral costs and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people. It does not cover 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. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as loss of income, bail bonds, repair bills for other people’s vehicles, medical services and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Don’t break the bank

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There are many occasions where someone dropped collision coverage only to find out that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at a price you can afford.

We just showed you a lot of ways to save on 2011 Buick Enclave insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from the least-expected company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

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