Affordable Insurance for a Buick Enclave in Phoenix

Scraping up a payment for expensive Buick Enclave insurance in Phoenix can deplete your savings and put a big crunch on your finances. Getting a rate comparison can be a smart way to make sure you’re not throwing money away.

Unbelievably, over 70% of consumers have purchased from the same company for at least four years, and virtually 40% of consumers have never shopped around. Most drivers in America can cut their rates by roughly 46.5% a year just by shopping around, but they assume it’s a waste of time to compare rates and save money.

Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a company to discover the definitive best rates possible on Buick Enclave insurance in Phoenix.

You should take the time to shop coverage around before your next renewal because prices are usually higher with each renewal. Just because you had the lowest quotes on Buick Enclave insurance in Phoenix on your last policy a different company probably has better rates today. There is lot of inaccurate information about Enclave insurance online, but in this article, you’re going to get some guaranteed methods to quit paying high auto insurance rates in Phoenix.

If you currently have auto insurance, you will most likely be able to cut your premiums using these techniques. Buying the cheapest auto insurance in Phoenix is quite easy if you know the best way to do it. But Arizona drivers should learn how insurance companies determine prices and use this information to your advantage.

Ways to get Buick Enclave insurance rate quotes in Phoenix, Arizona

Just remember that quoting more helps increase your odds of locating a better price.

The following companies are ready to provide free rate quotes in Phoenix, AZ. If multiple companies are shown, we suggest you compare several of them to get the best price comparison.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific zip code location which can decrease or increase coverage rates noticeably.

Higher deductibles lower rates

One common question asked by Phoenix drivers is where to set your physical damage deductibles. The comparison tables below approximate the price difference of buying low and high physical damage coverage deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in specific zip code location which can alter insurance rates considerably.

Based on the figures above, using a $100 deductible costs an average of $35 more each month or $420 a year than quoting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 26 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Annual premiums for males versus females

The example below shows the comparison of Buick Enclave car insurance rates for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Cheap Phoenix insurance rates with discounts

Not many people think insurance is cheap, but you may find discounts that many consumers don’t even know exist. Some of these discounts will be visible when you get a quote, but occasionally some discounts must be inquired about prior to getting the savings.

• Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.
• Low Mileage – Low annual miles could be rewarded with better premium rates on cars that stay parked.
• Discounts for Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote Phoenix auto insurance but check with your company.
• Passive Restraints and Air Bags – Factory air bags can get savings as much as 30%.
• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with one company qualifies for this discount.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Companies and some of their more popular discounts can be found below.

• State Farm policyholders can earn discounts including Steer Clear safe driver discount, student away at school, defensive driving training, anti-theft, multiple autos, and Drive Safe & Save.
• Nationwide may include discounts for multi-policy, business or organization, Farm Bureau membership, anti-theft, easy pay, defensive driving, and accident-free.
• GEICO offers discounts including federal employee, anti-lock brakes, driver training, seat belt use, military active duty, air bags, and five-year accident-free.
• AAA has discounts for multi-car, multi-policy, education and occupation, pay-in-full, good student, anti-theft, and AAA membership discount.
• 21st Century may have discounts that include teen driver, 55 and older, theft prevention, student driver, anti-lock brakes, and automatic seat belts.
• The Hartford offers premium reductions for anti-theft, defensive driver, good student, bundle, air bag, driver training, and vehicle fuel type.

It’s a good idea to ask every insurance company which credits you are entitled to. Depending on the company, some discounts may not apply to policies in your state.

Five factors that influence insurance costs

A large part of saving on car insurance is knowing the different types of things that go into determining car insurance rates. If you have a feel for what influences your rates, this empowers consumers to make smart changes that may result in much lower annual insurance costs. Lots of factors are part of the equation when quoting car insurance. Some are obvious such as your driving history, but other criteria are more obscure like where you live and annual miles driven.

• Increase coverage deductibles to save – Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your Buick. Some examples of covered claims are running into the backend of another car, vandalism, and windstorm damage. Your deductibles state the amount of money you are willing to pay out-of-pocket in the event of a claim. The more of the claim you pay before a claim is paid (deductible), the less money you will pay for car insurance.
• Your credit rating is important – A driver’s credit score can be a huge factor in calculating your car insurance rates. People that have very high credit ratings tend to file fewer claims than drivers who have lower credit scores. If your credit score can be improved, you could save money insuring your Buick Enclave if you improve your credit rating.
• Teenagers are high risk – Teenage drivers in Arizona are known to get distracted easily when at the wheel of a vehicle therefore car insurance rates are much higher. Adding a teen driver to your car insurance policy can be very expensive. Older drivers are viewed as being more responsible, tend to file fewer claims, and get fewer tickets.
• Better car insurance rates on safer cars – Safer cars cost less to insure. Safer cars help reduce the chance of injuries in an accident and lower injury rates means less claims paid and lower rates for you. If your Buick Enclave earned at least four stars on Safercar.gov you may qualify for a discount.
• More stress means more cost – Occupations like lawyers, social workers and emergency personnel generally have higher average rates due to intense work-related stress and long work hours. On the flip side, careers like actors, athletes and homemakers have the lowest average rates.
• Buick Enclave insurance loss probability – Insurance companies analyze historical claim data to determine a price that will be profitable for them. Vehicles that have a trend towards higher claims will have higher rates for specific coverages. The table below illustrates the historical loss data for Buick Enclave vehicles.

  For each coverage type, the statistical loss for all vehicles, as a total average, is equal to 100. Percentage numbers below 100 mean the vehicle has better than average losses, while values that are 100 or greater indicate higher probability of having a loss or an increased chance of larger losses than average.

  Insurance Loss Ratings for Buick Enclave Vehicles

  Specific Buick 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

  BETTER

  AVERAGE

  WORSE

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

Insurance agents can find coverage gaps

A small number of people prefer to buy from a local agent and doing so can bring peace of mind A good thing about getting free rate quotes online is you can get lower rates and still have an agent to talk to. And buying from local insurance agencies is especially important in Phoenix.

After filling out this short form, your insurance coverage information is instantly submitted to insurance agents in Phoenix who will give you bids for your business. There is no reason to search for any insurance agencies as quotes are delivered immediately to your email address. You can find better rates AND a local agent. If you wish to quote rates for a specific company, just go to their quote page and give them your coverage information.

If you would like to find a local Phoenix insurance agent, it’s helpful to know the different types of agents to choose from. Car insurance agents can be described as either exclusive or independent.

Independent Agents

Independent insurance agents are appointed with more than one company and that enables them to quote your coverage through lots of different companies and find you cheaper rates. If they find a cheaper price, they simply switch companies in-house without you having to go to a different agency.

When comparing car insurance rates, you should always check rates from several independent insurance agents so that you can do a thorough price comparison.

Below are independent insurance agents in Phoenix that can give you price quote information.

More Phoenix agents

Exclusive Agencies

Agents that elect to be exclusive generally can only insure with one company such as American Family, State Farm, and AAA. They generally cannot provide prices from multiple companies so you need to shop around if the rates are high. They are well trained in insurance sales which aids in selling service over price.

Listed below is a list of exclusive agents in Phoenix that can give you comparison quotes.

More Phoenix agents

Finding the right insurance agent requires you to look at more than just a low price. Any agent in Phoenix should be forthright in answering these questions:

• Is insurance their full-time profession?
• Do they specialize in personal lines auto insurance in Phoenix?
• Do they receive special compensation for putting your coverage with one company over another?
• How would your car be valued if totalled?
• What is the financial rating for the quoted company?

Which is the best car insurance?

Keep in mind that when it comes to choosing the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. You are unique.

These are some specific questions can help discover whether you will benefit from professional help.

• Is my teen driver covered when they drive my company car?
• What is an adequate liability insurance limit?
• Why is insurance for a teen driver so high in Phoenix?
• Does my policy cover me when driving someone else’s vehicle?
• Where can I find DUI or SR-22 insurance?
• Can I use my car for my catering business?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

You can find cheaper coverage

People who switch companies do it for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, poor customer service and even being labeled a high risk driver. Whatever your reason, switching companies can be easier than you think.

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at the best price.

Some auto insurance companies may not offer online quoting and many times these regional insurance providers only sell coverage through independent agents. Lower-priced Buick Enclave insurance in Phoenix can be found on the web and with local Phoenix insurance agents, and you should compare rates from both to have the best rate selection.

Additional auto insurance information is available on the following sites:

• Auto Insurance Basics (Insurance Information Institute)
• Who Has Affordable Phoenix Auto Insurance for a Ford Fusion? (FAQ)
• State Car Insurance Guides (GEICO)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Prom Night Tips for Teen Drivers (State Farm)
• Teen Driver Licensing Information (iihs.org)