Buick Enclave Owners Discover the Lowest Auto Insurance Rates

Tired of trying to scrape together enough money to pay your car insurance bill each month? Your situation is no different than many other consumers. Drivers have multiple insurers to choose from, and even though it’s nice to have a choice, it can be more difficult to find the lowest rates.

Buick Enclave rates are complex

It’s important that you understand the rating factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.

  • Do you know you’re credit rating? – A driver’s credit rating is a huge factor in calculating your auto insurance rates. Consumers who have high credit scores tend to be less risk to insure than drivers with poor credit. If your credit history can use some improvement, you could be paying less to insure your Buick Enclave by spending a little time repairing your credit.
  • Traffic citations inflate rates – Your driving citation history impacts your car insurance rates tremendously. Just one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers who have serious citations such as DUI or reckless driving may need to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Your occupation can affect rates – Occupations such as lawyers, business owners and dentists are shown to have the highest average rates because of high stress levels and long work hours. Other occupations like scientists, historians and the unemployed pay the least on Enclave insurance.
  • Type of vehicle determines base rates – The performance of the vehicle you are insuring makes a big difference in the rate you pay. The lowest base rates are generally reserved for lower performance four cylinder passenger models, but there are many factors that impact the final cost. Since the Buick Enclave is a standard SUV, rates will be slighty more than the average rate where you live.
  • Rural vs Urban Areas – Being located in small towns and rural areas can be a good thing when insuring your vehicles. Drivers who live in large cities have much more traffic and longer commute times. Less people living in that area means reduced accidents.
  • Never go without insurance – Allowing your coverage to lapse is a quick way to pay more for auto insurance. Not only will rates go up, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may have to file a SR-22 with your state motor vehicle department.

Compare Auto Insurance Today

Most major insurance companies give coverage price quotes directly from their websites. This process doesn’t take much effort as you just type in the coverages you want as requested by the quote form. After you complete the form, their rating system collects reports for credit and driving violations and quotes a price. Quoting online makes comparing rates easy, but the process of having to visit different websites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you are searching for the lowest possible prices on auto insurance.

Compare rates the easy way

A more efficient way to find cheaper rates requires only one form to get prices from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes quoting online a lot less work. After sending your information, it is rated and you can select any or none of the price quotes you receive.

If you find a better price it’s easy to complete the application and purchase coverage. It can be completed in less than 10 minutes and you will know how your current rates stack up.

To quickly find out if lower rates are available, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you type in the limits and deductibles exactly as they are listed on your policy. This makes sure you’re receiving rate quotes for similar coverage. insurance quotes

Can you really save $461 a year?

Drivers can’t ignore all the ads for the lowest price auto insurance by companies like Progressive, Allstate and GEICO. All the ads have a common claim that you can save if you move to them.

How does each company say the same thing?

Different companies can use profiling for the right customer they prefer to insure. An example of a profitable customer might be over the age of 50, has no tickets, and drives newer vehicles. A customer that hits that “sweet spot” will get very good rates and most likely will save a lot of money.

Drivers who don’t qualify for this ideal profile will have to pay more money which leads to the customer not buying. The ads say “people who switch” not “people who quote” save that kind of money. That’s the way companies can truthfully state the savings.

Because of the profiling, it’s extremely important to compare many company’s rates. It’s impossible to know the company that will fit your personal profile best.

Discounts are basically free money

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be requested specifically before you get the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • E-sign – Some insurance companies give back up to $50 for buying your policy on their website.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • No Charge for an Accident – Some insurance companies permit an accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Low Mileage Discounts – Keeping the miles down on your Buick could qualify for better rates on cars that stay parked.
  • Good Student Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Enclave insurance than less cautious drivers.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Driver Safety – Completing a defensive driving course can save you 5% or more depending on where you live.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will bring down your premiums.

To choose providers who offer auto insurance discounts, click here.

Cheaper insurance is a realistic goal

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Low-cost Buick Enclave insurance can be found both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and these small, regional companies work with independent agents.