Compare 2022 Buick Enclave Insurance Cost in 2024

Searching for the cheapest auto insurance rates for your Buick Enclave? Are you irritated from being strong-armed to pay auto insurance each month? You’re in the same situation as many other consumers.

Insurance companies such as State Farm and GEICO increase brand awareness with TV and radio ads and it can be hard to ignore the propoganda and effectively compare rates to find the best deal.

It’s a great practice to get comparison quotes at least once a year because insurance prices go up and down regularly. Even if you got the lowest rate for Enclave insurance a couple years back there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to how to quote online to find great coverage at a great price.

Save money with these tips

Multiple criteria are taken into consideration when pricing auto insurance. Most are fairly basic like your driving record, but other criteria are not quite as obvious such as whether you are married or your commute time. Smart consumers have a good feel for some of the things that are used to determine your insurance coverage rates. When consumers understand what impacts premium levels, this allows you to make good choices that can earn you much lower annual insurance costs.

The itemized list below are some of the most rate-impacting factors companies use to determine premiums.

• Get hitched and pay less – Being married may cut your premiums compared to being single. Having a significant other demonstrates that you tend to be more responsible and it’s proven that married drivers tend to file fewer claims.
• Premiums may be higher where you live – Living in small towns and rural areas can save you money when buying insurance coverage. Drivers in populated areas have much more traffic and more time behind the wheel. Fewer drivers and short commutes means less chance of accidents and lower theft and vandalism rates.
• Drive less and get lower rates – The more you drive your Buick in a year the higher the price you pay to insure it. Many insurance companies calculate rates based upon how much you drive. Cars left parked in the garage receive lower rates compared to those used for work or business. Having the wrong rating on your Enclave can cost quite a bit. Double check that your vehicle rating shows the correct driver usage, because it can save money.
• Too many insurance claims will drive prices up – Car insurance companies award the best rates to drivers that do not abuse their auto insurance. If you tend to file frequent claims, you can expect higher rates. Your insurance policy is designed for claims that you cannot pay yourself.
• How your age affects prices – Older, more experienced drivers are more responsible, file fewer claims and receive fewer citations. Teen drivers are statistically proven to be less responsible when driving therefore insurance coverage rates are much higher.
• Good credit means lower premiums – An insured’s credit score can be a huge factor in determining premium rates. If your credit history is lower than you’d like, you could potentially save money when insuring your 2022 Buick Enclave by improving your rating. Insureds with very high credit ratings tend to be less risk to insure as compared to drivers with lower credit scores.
• Higher insurance coverage rates for insurance coverage lapses – Letting your insurance expire is a quick way to bump up your insurance coverage costs. In addition to paying higher premiums, being ticketed for driving with no insurance might get you a steep fine or even jail time.

Take advantage of these rate-reducing discounts

Insurance can be prohibitively expensive, but you can get discounts that could help you make your next renewal payment. Certain reductions will be credited at the time of quoting, but occasionally some discounts must be specifically requested prior to getting the savings.

• Discounts for Government Workers – Simply working for the federal government may reduce rates when you quote auto insurance for Enclave insurance with some auto insurance companies.
• Mature Driver Discount – Seniors are able to get a slight reduction on a auto insurance quote for Enclave insurance.
• Defensive Driver Discounts – Participating in a safe driver course is a good idea and can lower rates if your company offers it.
• Claim Free – Insureds with no claims or accidents have much lower rates in comparison to bad drivers.
• Early Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.
• Distant Student – Any of your kids who attend college more than 100 miles from home and do not take a car to college could get you a discount.
• Active Military Service – Having a family member in the military can result in better rates.
• Use Seat Belts – Forcing all vehicle occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. Even though it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Companies and their possible discounts are detailed below.

• Progressive offers premium reductions for online signing, good student, online quote discount, continuous coverage, homeowner, and multi-policy.
• Farmers Insurance has savings for bundle discounts, distant student, business and professional, teen driver, good student, and pay in full.
• Farm Bureau policyholders can earn discounts including 55 and retired, good student, renewal discount, safe driver, multi-policy, youthful driver, and driver training.
• State Farm offers discounts including passive restraint, Steer Clear safe driver discount, safe vehicle, good student, defensive driving training, multiple autos, and Drive Safe & Save.
• GEICO may offer discounts for federal employee, anti-theft, emergency military deployment, anti-lock brakes, multi-vehicle, driver training, and seat belt use.
• SAFECO may have discounts that include teen safe driver, homeowner, drive less, multi-car, teen safety rewards, and anti-theft.
• Liberty Mutual has discounts for preferred payment discount, good student, newly retired, hybrid vehicle, new vehicle discount, new move discount, and multi-car.

Before buying, ask every company how many discounts you can get. All car insurance discounts may not be offered everywhere.

Do I need special coverages?

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out if you might need professional guidance.

• What is covered by UM/UIM coverage?
• Is my state a no-fault state?
• Are split liability limits better than a combined single limit?
• How can I find cheaper teen driver insurance?
• What if I don’t agree with a claim settlement offer?
• Does my car insurance cover rental cars?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete your zip code.

Car insurance coverage breakdown

Learning about specific coverages of car insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Comprehensive protection

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 can pay for things like hitting a deer, damage from flooding, theft, hitting a bird and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, sideswiping another vehicle, scraping a guard rail, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses like pain medications, doctor visits, surgery, dental work and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2022 Buick Enclave.

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 very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Find Good Coverage for Less

Cost effective 2022 Buick Enclave insurance can be purchased online and also from your neighborhood agents, so you need to shop auto insurance with both to have the best rate selection. There are still a few companies who don’t offer rate quotes online and most of the time these regional carriers prefer to sell through local independent agencies.

We covered many ideas to lower your 2022 Buick Enclave insurance prices. The key thing to remember is the more you quote auto insurance, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with the smaller companies. These companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.