2011 Buick Enclave Car Insurance Rates – 6 Tips to Save

Searching for low-cost insurance for your Buick Enclave can normally be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to find insurance online so we’re going to tell you the absolute fastest way to compare rates for a new or used Buick and find the cheapest rates from both online companies and local agents.

It’s a good idea to do rate comparisons before your policy renews since insurance rates are variable and change quite frequently. Even if you think you had the lowest price on Enclave insurance a few years ago you may be paying too much now. Starting now, block out anything you think you know about insurance because I’m going to teach you the tricks you need to know to reduce your cost while increasing coverage.

Buying car insurance is quite easy. If you have a policy now or are just looking to switch companies, you can use these techniques to get lower rates and still get good coverage. Drivers just need to learn the proper way to compare price quotes over the internet.

Take advantage of discounts

Companies offering auto insurance don’t always advertise every discount very well, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If you don’t get every credit you qualify for, you are throwing money away.

  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Enclave insurance with certain companies.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
  • Bundle and Save – When you have multiple policies with one company you may save at least 10% off all policies.
  • College Student – Youth drivers who are attending college and do not have a car may qualify for this discount.

It’s important to understand that most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like you could get a free insurance policy, it doesn’t quite work that way.

Insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts may not be available everywhere.

How to know if you need help

When buying adequate coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

  • When does my teenage driver need to be added to my policy?
  • What is covered by UM/UIM coverage?
  • Why am I required to buy high-risk coverage?
  • How much liability insurance is required?
  • Am I covered by my spouse’s policy after a separation?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is the ISO rating for a 2011 Buick Enclave?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Insurance coverage considerations

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as dental work, hospital visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

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

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for collisions

Collision coverage pays for damage to your Enclave caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, rolling your car, 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. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, falling objects and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage

This will cover damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as loss of income, medical services, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

More comparisons equals lower rates

We covered some good ideas how to save on 2011 Buick Enclave insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the best prices are with a small mutual company.

Low-cost insurance is definitely available both online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.

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