How Much Does 2013 Buick Enclave Car Insurance Cost?

Locating the cheapest insurance for a new or used Buick Enclave can be a lot of work, but you can learn these tips to save time.

There are more efficient ways to find auto insurance online so you’re going to learn the quickest way to price shop coverage for a Buick and locate the cheapest rates from both online companies and local agents.

If you have a policy now or need a new policy, you can learn to reduce the price you pay and possibly find even better coverage. Buying affordable insurance coverage coverage is quite easy. Drivers just need to learn the proper way to shop for insurance coverage over the internet.

Policy discounts you shouldn’t miss

The cost of insuring your cars can be expensive, but you can get discounts to help bring down the price. A few discounts will automatically apply when you complete an application, but less common discounts must be asked for prior to getting the savings. If they aren’t giving you every credit available, you are throwing money away.

  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Enclave insurance with certain companies.
  • Auto/Life Discount – Some companies give lower rates if you buy life insurance.
  • Student in College – Any of your kids who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums on Enclave insurance.

Keep in mind that most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, you won’t be that lucky. But all discounts will bring down your premiums.

Car insurance companies that possibly offer some of the above discounts are:

Check with each insurance company which discounts they offer. Savings may not apply in every state.

Pieces of the Buick Enclave insurance rate puzzle

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for insurance. Knowing what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

  • Better crash test results mean better rates – Cars with high safety ratings get lower rates. The safest vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates. If your Buick Enclave is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Never go without insurance – Having an insurance coverage lapse is a quick way to increase your insurance rates. And not only will your rates increase, but being ticketed for driving with no insurance will get you a license revocation or jail time.
  • Do you know you’re credit rating? – Your credit score is a huge factor in determining your rates. Consumers who have excellent credit tend to be less risk to insure than those with lower credit ratings. If your credit rating is low, you could be paying less to insure your 2013 Buick Enclave by repairing your credit.
  • What are your deductibles? – The deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims could be colliding with a building, vandalism, and burglary. The more you have to pay, the less your company will charge you for insurance on Enclave insurance.
  • Bundling policies can get discounts – Many insurance companies will give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • Do you need those extra coverages? – There are a ton of add-on coverages you can purchase on your insurance policy. Insurance for rental car reimbursement, better glass coverage and motor club memberships are some examples. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
  • Lower rates come with age – Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Youthful drivers are statistically proven to be careless and easily distracted in a vehicle therefore insurance rates are much higher.
  • Your insurance rates can be influenced by your job – Occupations like real estate brokers, executives and stock brokers are shown to have the highest rates because of job stress and lengthy work days. On the other hand, occupations such as actors, students and the unemployed pay the least on Enclave insurance.

Insurance agents can help

When it comes to buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different.

For example, these questions could help you determine if your situation will benefit from professional help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Where can I find DUI or SR-22 insurance?
  • What is medical payments coverage?
  • If I drive on a suspended license am I covered?
  • Is my ex-spouse still covered by my policy?
  • Am I covered if I crash into my own garage door?
  • Should I waive the damage coverage when renting a car?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Specifics of your auto insurance policy

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Buick Enclave.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for short-term medical expenses such as rehabilitation expenses, funeral costs and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, hitting a bird, a tree branch falling on your vehicle, theft and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage – This coverage protects you from damage or injury you incur to a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like bail bonds, structural damage and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision coverages – Collision insurance covers damage to your Enclave resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Be a Smart Shopper

Drivers leave their current company for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, poor customer service or even questionable increases in premium. It doesn’t matter why you want to switch finding a new car insurance company can be less work than you think.

Cheap 2013 Buick Enclave insurance is possible online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

In this article, we presented a lot of information how to get a better price on insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest rates come from some of the smallest insurance companies.

Additional car insurance information is located on the following sites: