How Much Does 2019 Buick Enclave Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 7, 2024

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Searching for lower insurance coverage rates for your Buick Enclave? Have you fallen victim to an expensive insurance coverage policy? Don’t sweat it because you are not the only one feeling buyer’s remorse.

Companies like GEICO, Progressive and Allstate constantly blast consumers with TV and radio ads and consumers find it hard to ignore the promise of big savings and find the best price available.

Consumers need to do price comparisons periodically because insurance prices are rarely the same from one policy term to another. Even if you got the lowest quotes for Enclave coverage on your last policy there may be better deals available now. Ignore everything you know about insurance coverage because you’re about to find out the best way to find great coverage at a great price.

Earn discounts on insurance coverage

Car insurance companies don’t necessarily list every discount available in a way that’s easy to find, so here is a list both the well known as well as the least known ways to save on insurance coverage.

  • Mature Driver Discount – If you qualify as a senior citizen, you may qualify for a discount up to 10% for Enclave coverage.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Anti-lock Brakes – Cars that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Buick may allow you to get substantially lower rates.
  • No Claim Discounts – Good drivers with no accidents are rewarded with significantly better rates on insurance quote in comparison to bad drivers.
  • Discounts for Multiple Vehicles – Having multiple cars or trucks on one policy qualifies for this discount.

Discounts lower rates, but some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies that may offer many of the previously listed discounts possibly include:

  • State Farm
  • Progressive
  • Progressive
  • MetLife
  • Farm Bureau

If you want affordable insurance quotes, ask each insurance company what discounts are available to you. Savings might not be offered in your area.

How insurers calculate Buick Enclave insurance prices

Part of the insurance coverage buying process is learning some of the elements that go into determining your policy premiums. When you understand what influences your rates, this helps enable you to make changes that can earn you lower insurance coverage prices.

The following are some of the major factors used by insurance companies to determine your premiums.

  • Marriage discount – Walking down the aisle can get you a discount on your insurance coverage bill. Having a significant other translates into being more stable financially and insurance companies reward insureds because being married results in fewer claims.
  • Rates are affected by your address – Having an address in a rural area is a good thing when trying to find low car insurance rates. Fewer drivers on the road means reduced accidents as well as less vandalism and auto theft. Residents of big cities tend to have more road rage incidents and longer commutes to work. Higher commute times means more chance of being in an accident.
  • What are your deductibles? – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Buick from damage. Some instances where coverage would apply are collision with another vehicle, damage caused by hail, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles are the amount of money the insured will be required to pay if the claim is covered. The more money you have to pay, the lower your rates will be for Enclave coverage.
  • An active insurance claims history can cost you more – If you frequently file small claims, you can look forward to much higher rates or policy non-renewal. Auto insurance companies award lower rates to insureds that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
  • Higher prices for specific occupations – Did you know that where you work can have an impact on rates? Occupations such as fire fighters, police officers and dentists generally pay higher rates than average attributed to high stress and lots of time spent at work. On the other hand, occupations like professors, engineers and the unemployed generally pay rates lower than average for Enclave coverage.
  • Poor credit can mean higher prices – A driver’s credit score is a large factor in calculating your premium rate. People that have very good credit scores tend to be better risks to insure than drivers with poor credit scores. If your credit history can use some improvement, you could save money insuring your 2019 Buick Enclave by improving your credit score.
  • Commute or pleasure use – The higher the miles on your Buick annually the more you’ll pay to insure it. Many insurance companies price each vehicle’s coverage partially by how you use the vehicle. Autos not used for work or commuting can get a lower rate than those used for commuting. Improper usage on your Enclave is throwing money out the window. Ask your agent if your insurance coverage policy properly reflects the proper vehicle usage.
  • Younger drivers pay higher costs – Youthful drivers are proven to be inattentive behind the wheel so they pay higher insurance coverage rates. Adding a teen driver onto your insurance coverage can be quite pricey. More experienced drivers have been proven to be more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions can help discover whether your personal situation will benefit from professional help.

  • Does my 2019 Buick Enclave need full coverage?
  • Does having multiple vehicles earn me a discount?
  • Am I covered if I wreck a rental car?
  • Am I covered when delivering products for my home-based business?
  • How high should my uninsured/underinsured coverage be in my state?
  • Are my friends covered when driving my 2019 Buick Enclave?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, complete your zip code.

Drivers who switch save $470 a year? Really?

Auto insurance companies such as Allstate and Progressive continually stream television and radio advertisements. They all advertise the message about saving some big amount if you switch your auto insurance coverage to their company. Is it even possible that every company can make almost identical claims? This is the way they can do it.

All the different companies have underwriting criteria for the type of customer that earns them the highest profit. An example of a profitable insured might be a married female, has a clear driving record, and drives less than 7,500 miles a year. A prospective insured who fits that profile will get low rates and will probably save if they switch.

Potential insureds who fall short of the “perfect” profile may be required to pay more expensive rates and this can result in the customer not purchasing. The trick is to say “drivers who switch” but not “all drivers who get quotes” save that much when switching. That’s why companies can make it sound like they have such great car insurance rates. This really emphasizes why drivers should get as many free insurance quotes as possible. It’s just too difficult to predict which auto insurance company will have the best rates for your profile.

Insurance coverage considerations

Knowing the specifics of your insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, colliding with a tree, rolling your car, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses such as dental work, X-ray expenses, ambulance fees and hospital visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. This insurance 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 for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage protects against claims like legal defense fees, pain and suffering, bail bonds, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, hail damage, damage from flooding, hitting a bird and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Buick Enclave.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

And the best car insurance company is…

As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best cost while still protecting your assets.

In this article, we presented a lot of techniques to shop for 2019 Buick Enclave insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the best price on auto insurance is with a small local company. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

Budget-friendly auto insurance is available on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and these regional insurance providers prefer to sell through local independent agencies.

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