Cheapest 2014 Buick Enclave Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Trying to find lower car insurance rates for your Buick Enclave? Feel like you’re a prisoner to high-priced car insurance? Believe me, you’re not the only one.
Because you have many car insurance companies to choose from, it can be impossible to locate the cheapest insurer.
It’s a good habit to do rate comparisons before your policy renews since rates are constantly changing. If you had the best deal for Enclave coverage last year there may be better deals available now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the best methods to lower your rates without sacrificing coverage.
This information will help educate you on how car insurance quotes work and some money-saving tips. If you have car insurance now, you should be able to lower your premiums substantially using these tips. Although vehicle owners can benefit by having an understanding of how insurance companies price insurance differently and use this information to your advantage.
Low Cost Insurance Coverage
Most companies such as Progressive, Allstate and GEICO provide coverage price quotes directly from their websites. The process doesn’t take a lot of time as you simply type in your coverage information as requested by the quote form. When the form is submitted, their system sends out for reports for credit and driving violations and gives you a price quote. Quoting online simplifies rate comparisons, but the time it takes to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible if you are searching for lower prices.
A quicker way to compare rates utilizes a single form that gets prices from several different companies. The form is fast, eliminates form submissions, and makes online quotes much simpler. After your information is entered, it is rated and you can select any of the quotes that you receive.
If you find a better price you can simply submit the application and purchase coverage. This process takes 15 minutes at the most and you will find out if you’re overpaying now.
To find out how much you’re overpaying now, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you complete the form with the coverages identical to your current policy. This makes sure you will get a price comparison for similar coverage.
You probably qualify for some discounts
Insuring your vehicles can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but a few must be specially asked for before they will apply.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
- Low Mileage – Fewer annual miles on your Buick can qualify you for lower rates on the low mileage vehicles.
- One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- Memberships – Affiliation with a professional or civic organization is a good way to get lower rates on insurance for Enclave coverage.
- Homeowners Savings – Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
It’s important to understand that most discounts do not apply the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will cut your premiums.
Car insurance companies that may have these money-saving discounts are:
Before buying, ask each insurance company how you can save money. Discounts may not be available in your area.
There’s no such thing as the perfect policy
When it comes to buying the best car insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that could help you determine if you may require specific advice.
- When should I remove comp and collision on my 2014 Buick Enclave?
- Do I need higher collision deductibles?
- Should I sign the liability waiver when renting a car?
- Do I have coverage when pulling a U-Haul trailer?
- Do I need replacement cost coverage on my 2014 Buick Enclave?
- What companies insure drivers after a DUI or DWI?
- Should I drop comprehensive coverage on older vehicles?
If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
What insurance coverages do you need?
Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.
Collision – This pays for damage to your Enclave caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like colliding with a tree, backing into a parked car, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.
Uninsured and underinsured coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2014 Buick Enclave.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Liability auto insurance – Liability coverage will cover damage or injury you incur to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for claims like attorney fees, court costs and medical services. How much liability should you purchase? That is your choice, but buy higher limits if possible.
Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as damage from a tornado or hurricane, theft, hitting a bird, hail damage and falling objects. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Coverage for medical payments – Coverage for medical payments and/or PIP pay for bills for pain medications, funeral costs, prosthetic devices and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
You can do this!
Cheaper 2014 Buick Enclave insurance can be purchased from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. There are many occasions where an insured dropped collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage for the lowest price.
For more information, feel free to browse the following helpful articles:
- Vehicle Safety Ratings (iihs.org)
- Tools for Teen Driving Safety (State Farm)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- What is Gap Insurance? (Insurance Information Insitute)
- Help Your Teen Be a Better Driver (State Farm)
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