Compare 2016 Buick Enclave Insurance Quotes in 2024

Searching for cheaper insurance coverage rates for your Buick Enclave? Nobody likes paying for insurance coverage, especially when they are aware that they could get a better deal. Multiple car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a provider and get the best coverage at the best rate

Car insurance discounts help reduce rates

The cost of insuring your cars can be expensive, but there may be some discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but some may not be applied and must be manually applied before you will receive the discount.

• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
• Safety Restraint Discount – Forcing all vehicle occupants to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
• Organization Discounts – Being a member of certain professional organizations could qualify you for a break when getting a auto insurance quote.
• Paper-free Discount – Some insurance companies will provide an incentive for buying your policy digitally online.
• Driver Education Discount – Require your teen driver to enroll and complete driver’s education in school.
• Theft Prevention System – Vehicles optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Remember that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, companies don’t profit that way.

Some of the larger companies that possibly offer most of these discounts may include but are not limited to:

• GEICO
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

When getting a coverage quote, ask all the companies which credits you are entitled to. Depending on the company, some discounts may not be available in every state. To locate insurance companies that offer the discounts shown above, enter your zip code here.

Get lower-cost insurance rates by understanding these factors

Many things are used in the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, but some are not as apparent such as your marital status or your commute time. A large part of saving on insurance coverage is knowing a few of the rating criteria that are used to determine the rates you pay for insurance coverage. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can help you get lower premium levels.

The following are some of the most common factors companies use to determine your rates.

• Younger drivers pay more – Young drivers are statistically shown to be inattentive when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher. Mature drivers are shown to be more cautious, are lower risk to insure and are safer drivers.
• Never go without insurance coverage – Having an insurance coverage lapse will be a guaranteed way to increase your insurance coverage rates. In addition to paying higher rates, failure to provide proof of insurance can result in a steep fine or even jail time. You may then be required to file a SR-22 with your state motor vehicle department.
• Credit score impacts premium premiums – An insured’s credit rating is a large factor in calculating your premium rate. People with excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. If your credit history is lower than you’d like, you could potentially save money when insuring your 2016 Buick Enclave by spending a little time repairing your credit.
• Filing insurance claims can cost you – If you file claims often, you shouldn’t be surprised to get higher rates. Companies generally give the best rates to drivers that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Which is the best auto insurance?

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

• Do I have coverage when making deliveries for my home business?
• Do I have coverage when using my vehicle for my home business?
• When should I drop full coverage on my 2016 Buick Enclave?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Should I get collision insurance on every vehicle?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Who is covered by my policy?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, complete your zip code. It is quick, free and may give you better protection.

Are car insurance companies telling the truth?

Consumers can’t avoid all the ads for the lowest price car insurance by State Farm and Allstate. They all tend to make the same promise of big savings if you get a free auto insurance quote and switch your coverage.

How do they all say the same thing?

All companies give the cheapest rates for the type of driver that earns them the highest profit. For example, this type of risk profile may need to be between the ages of 40 and 55, has a clean driving record, and the vehicle is rated for pleasure use. Anybody that hits that “sweet spot” is entitled to the best price and will also save when they switch companies.

Drivers who don’t qualify for these stringent criteria will probably be forced to pay more expensive rates and this results in business going elsewhere. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how companies can truthfully claim big savings.

Each company has different criteria, so it is so important to get a wide range of price quotes. It’s impossible to know which insurance companies will provide you with the cheapest auto insurance rates.

Insurance specifics

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, theft, damage from a tornado or hurricane and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses such as hospital visits, doctor visits and dental work. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as loss of income, pain and suffering and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter, scraping a guard rail, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 2016 Buick Enclave.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Saving money is sweet as honey

Affordable 2016 Buick Enclave insurance is attainable on the web as well as from insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers don’t offer online rate quotes and many times these regional carriers sell through local independent agencies.

We just showed you quite a bit of information on how to get a better price on 2016 Buick Enclave insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of getting cheap auto insurance. You may even find the best price on insurance is with a lesser-known regional company. Some small companies may only write in your state and offer lower car insurance rates compared to the large companies like State Farm or Progressive.