Best Insurance for a Buick Enclave in Buffalo

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Discount Buick Enclave insuranceWant low-cost Buick Enclave insurance in Buffalo? Are you overwhelmed by the crazy number of car insurance companies in Buffalo? You have such a vast assortment of companies available that it can really be a difficult situation to lower your rates for Buick Enclave insurance in Buffalo. If you've ever been there, you know that Buffalo has lots to offer, but expensive car insurance rates can make it hard to afford proper coverage amounts.

Steps to finding cheaper rates for Buick Enclave insurance in Buffalo

The best way we recommend to quote cheaper Buick Enclave insurance in Buffalo is to compare quotes once a year from providers in New York. You can compare prices by following these steps.

Step 1: Try to understand how companies set rates and the things you can change to prevent expensive coverage. Many rating criteria that increase rates such as traffic citations and an imperfect credit history can be controlled by making small lifestyle or driving habit changes.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices for a wide range of insurance providers.

Step 3: Compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find better rates and switch companies, verify that coverage does not lapse between policies.

Step 4: Provide written notification to your current company of your intent to cancel your current auto insurance policy and submit the required down payment along with the signed application to your new company or agent. Immediately keep your new proof of insurance certificate along with your vehicle registration.

One piece of advice is to use identical coverages on each quote request and and to get rates from as many companies as you can. Doing this enables a level playing field and a complete price analysis.

It's an obvious conclusion that insurance companies want to keep you from shopping around. Insureds who shop around for cheaper prices will presumably move their business because there is a significant possibility of finding a cheaper policy. A study discovered that people who compared prices regularly saved over $3,500 over four years compared to policyholders who never shopped around.

If finding the cheapest price for Buick Enclave insurance is your objective, then having an understanding of how to get rate quotes and compare auto insurance can help simplify the process.

If you have a current car insurance policy, you will most likely be able to get lower rates using the ideas you're about to read. This article's intent is to teach you a little about the best ways to compare prices and also save some money in the process But New York consumers must know how big insurance companies price insurance differently because rates are impacted by many factors.

There are several ways to obtain and compare prices from companies that offer auto insurance in New York. The quickest method to find the lowest rates involves getting comparison quotes online. Keep in mind that comparing a wide range of rates helps improve the odds of finding a lower rate.

The auto insurance companies shown below have been selected to offer free quotes in New York. If you want to find cheap car insurance in New York, we suggest you click on several of them to get the most competitive price.

Buick Enclave insurance analysis

The data table shown below outlines estimates of insurance rates for Buick Enclave models. Being more informed about how insurance premiums are figured can benefit drivers when making informed purchases.

Buick Enclave Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $188 $328 $264 $16 $80 $876 $73
Enclave CX AWD $188 $328 $264 $16 $80 $876 $73
Enclave XL 2WD $188 $328 $264 $16 $80 $876 $73
Enclave XL AWD $210 $328 $264 $16 $80 $898 $75
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Information does not factor in Buffalo location which can impact rates greatly.

Insurance deductibles

One common question asked by Buffalo drivers is how low should you set your deductibles. The comparisons below help summarize the cost difference between high and low comp and collision deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Buick Enclave insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $230 $406 $264 $16 $80 $1,021 $85
Enclave CX AWD $230 $406 $264 $16 $80 $1,021 $85
Enclave XL 2WD $230 $406 $264 $16 $80 $1,021 $85
Enclave XL AWD $258 $406 $264 $16 $80 $1,049 $87
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Buick Enclave insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $188 $328 $264 $16 $80 $876 $73
Enclave CX AWD $188 $328 $264 $16 $80 $876 $73
Enclave XL 2WD $188 $328 $264 $16 $80 $876 $73
Enclave XL AWD $210 $328 $264 $16 $80 $898 $75
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in specific location information which can alter price quotes considerably.

Based on the above data, using a $250 deductible will cost in the ballpark of $12 more each month or $144 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 21 months between claims, you would more than likely save some money if you decide on a higher deductible. The numbers below show a better example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $86
Average monthly premium for $500 deductibles (subtract): - $74
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important issue to know is that increasing deductibles to save money means you will have to pay more out-of-pocket when you file a claim. You need to make sure you have enough extra savings in order to pay more for the deductible.

Careless drivers pay higher rates

The illustration below highlights how traffic violations and at-fault fender-benders can drive up Buick Enclave insurance rates for different age groups of insureds. The data assumes a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Buick Enclave insurance rates: Men versus women

The illustration below illustrates the difference between Buick Enclave insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, comp and collision included, $500 deductibles, drivers are not married, and no discounts are applied.

Components of Your Buick Enclave Insurance Costs

The best way to find cheaper car insurance is to take a look at the different types of things that go into determining the price you pay for car insurance. If you understand what influences your rates, this enables you to make decisions that may reward you with lower rates.

  • Use credit responsibly and save - Having a good credit rating can be an important factor in calculating your car insurance rates. People with high credit ratings tend to file fewer claims than drivers with poor credit. If your credit history is lower than you'd like, you could save money insuring your Buick Enclave by repairing your credit.
  • How much liability insurance - Liability coverage provides coverage in the event that you are ruled to be at fault for damages caused by your negligence. Your liability coverage provides legal defense starting from day one. It is affordable coverage when compared with rates for comp and collision, so do not skimp.
  • Where you live plays a part - Being located in a small town can save you money if you are looking for the lowest rates. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims. People who live in big cities have congested traffic and longer commutes to work. More time commuting can result in more accidents.
  • Cut rates and deter theft - Selecting a car model with a theft deterrent system can help bring down rates. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your vehicle from being stolen.
  • Driver age impacts prices - More mature drivers are more responsible, are lower risk to insure, and get fewer tickets. Drivers with little experience are statistically shown to be inattentive and easily distracted with other occupants in the car so they pay higher car insurance rates.

    The data below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Claims statistics for a Buick Enclave - Car insurance companies use past loss statistics for each vehicle as a way to help calculate a profitable premium rate. Models that statistically have a higher amount or frequency of claims will have a higher cost to insure.

    The table below outlines the compiled insurance loss statistics for Buick Enclave vehicles. For each insurance policy coverage type, the claim amount for all vehicles as a whole is a value of 100. Values below 100 imply a favorable loss record, while values over 100 point to more losses or statistically larger losses.

    Buick Enclave Insurance Claim Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Buick Enclave 4dr 2WD 85 101 83 67 63 81
    Buick Enclave 4dr 4WD 93 110 92 64 62 84

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Why you need insurance for your Enclave

Despite the high cost, insurance may be required for several reasons.

  • The majority of states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability in order to get the vehicle licensed. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a loan on your Buick, most banks will have a requirement that you buy insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Buick at a significantly higher premium and require you to reimburse them the higher price.
  • Insurance protects not only your Buick Enclave but also your financial assets. It will also provide coverage for all forms of medical expenses incurred in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will cover the damage repairs after a deductible is paid.

The benefits of buying insurance outweigh the cost, particularly if you ever have a claim. On average, a vehicle owner in Buffalo is currently overpaying as much as $750 every year so you should quote and compare rates each time the policy renews to help ensure money is not being wasted.