Best Quotes for Buick Enclave Insurance in Toledo

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Buick Enclave insurance
Buick Enclave insurance image courtesy of QuoteInspector.com

Finding cheaper Buick Enclave insurance in Toledo is always kind of frustrating for drivers not familiar with quoting and comparing prices online. People have so many options available that it can be a ton of work to lower your prices on Buick Enclave insurance.

Steps to buying lower priced Buick Enclave insurance in Toledo

It takes a little time, but the best way to find affordable quotes for Buick Enclave insurance in Toledo is to compare prices once a year from companies in Ohio.

Step 1: Learn about car insurance and the things you can control to keep rates down. Many things that cause rate increases such as tickets, at-fault accidents, and a less-than-favorable credit rating can be improved by making small lifestyle or driving habit changes. Later in this article we will cover the details to find cheap prices and get discounts that may be available to you.

Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple companies. View insurance agents

Step 3: Compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find a better price, make sure there is no lapse in coverage.

Step 4: Provide proper notification to your current company of your intent to cancel your current auto insurance policy. Submit a signed application and payment for the new coverage. When you receive it, keep your new certificate verifying proof of insurance in an accessible location in your vehicle.

The most important part of this process is to use the same coverage limits and deductibles on every quote and and to analyze as many companies as possible. This enables an accurate price comparison and a thorough selection of prices.

Discount Buick Enclave insuranceEveryone knows that insurance companies don't want you to compare rates. Drivers who shop around annually will most likely switch companies because there is a high probability of finding coverage at a more affordable price. A study discovered that drivers who routinely compared rates saved over $3,400 over four years as compared to drivers who never shopped around for cheaper prices.

If finding the most affordable auto insurance in Toledo is your ultimate target, knowing how to choose a company and compare insurance premiums can help make the process easier and more efficient.

It's important to do price comparisons before your next renewal since prices fluctuate regularly. Just because you had the best quotes on Buick Enclave insurance in Toledo last year there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you're going to learn one of the best ways to lower your annual insurance bill.

Just remember that comparing a wide range of rates helps improve the odds of finding better pricing. Some insurance companies are not set up to provide online rate quotes, so you should also compare price quotes on coverage from those companies, too.

The providers in the list below can provide price comparisons in Toledo, OH. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.

Statistics and details

The information shown next showcases estimates of rate quotes for Buick Enclave models. Having a good understanding how insurance prices are established can help customers make informed decisions.

Buick Enclave Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $200 $382 $234 $14 $70 $900 $75
Enclave CX AWD $200 $382 $234 $14 $70 $900 $75
Enclave XL 2WD $200 $382 $234 $14 $70 $900 $75
Enclave XL AWD $224 $382 $234 $14 $70 $924 $77
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Information does not factor in zip code location which can influence auto insurance rates considerably.

Physical damage deductible comparison

When comparing car insurance rates, the most common question is how low should you set your deductibles. The comparisons below may help you to understand the cost difference when you buy lower versus higher deductibles. The first data table uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Buick Enclave insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $198 $348 $226 $14 $68 $879 $73
Enclave CX AWD $198 $348 $226 $14 $68 $879 $73
Enclave XL 2WD $198 $348 $226 $14 $68 $879 $73
Enclave XL AWD $220 $348 $226 $14 $68 $901 $75
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Buick Enclave insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $122 $220 $226 $14 $68 $650 $54
Enclave CX AWD $122 $220 $226 $14 $68 $650 $54
Enclave XL 2WD $122 $220 $226 $14 $68 $650 $54
Enclave XL AWD $136 $220 $226 $14 $68 $664 $55
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific location which can modify rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $20 more each month or $240 a year than requesting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 38 months between claim filings, you would probably save some money if you opt for a higher deductible.

The example below illustrates how your deductible choice and can affect Buick Enclave insurance premiums for different categories of driver ages. The data assumes a married female driver, comp and collision included, and no other discounts are factored in.

Car insurance rates by age and gender

The chart below visualizes the comparison of Buick Enclave annual premium costs for male and female drivers. The premiums are based on no claims or violations, full physical damage coverage, $250 deductibles, single status, and no discounts are applied.

Rate comparison of full coverage and liability-only

The diagram below shows the difference between Buick Enclave insurance rates with full coverage compared to only the Ohio minimum liability coverage. The rates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no set guideline to stop paying for physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let's say your Buick Enclave replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after the deductible is paid. If it's costing in excess of $400 annually for full coverage, then you might consider buying liability only.

There are a few situations where removing full coverage is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

How do Insurance Companies Determine Buick Enclave Insurance Premiums?

Lots of things are considered when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but some are not quite as obvious such as your marital status or your commute time.

  • Drivers with responsible credit save - An insured's credit history can be an important factor in determining your rates. If your credit score can use some improvement, you may save money insuring your Buick Enclave if you clean up your credit. Insureds that have good credit tend to file fewer claims and have better driving records as compared to drivers with bad credit.
  • Claim-free discounts can add up - If you are a frequent claim filer, you should expect higher premiums or even policy non-renewal. Auto insurance companies in Ohio generally give the lowest premiums to drivers who only file infrequent claims. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
  • Use one insurance company and save - Most major companies provide better rates to buyers that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, consumers should still check prices from other companies to help guarantee you have the best rates.There is a good possibility that you can find a better deal by buying insurance from more than one company.
  • Liability protection - Your policy's liability coverage will afford coverage when you are ruled to be at fault for personal injury or accident damage. Liability insurance provides legal defense to defend your case. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Buick Enclave historical loss data - Insurance companies take into consideration historical loss data for every vehicle as a way to help calculate a profitable premium rate. Vehicles that statistically have higher claim frequency or loss amount will cost more to insure. The next table shows the actual insurance loss data for Buick Enclave vehicles.

    For each policy coverage, the loss probability for all vehicles as a whole is set at 100. Percentages below 100 imply a favorable loss record, while values that are above 100 point to more losses or statistically larger claims.

    Buick Enclave Insurance Claim Statistics
    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
    BETTER
    AVERAGE
    WORSE

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

Why you need quality insurance for your Enclave

Despite the potentially high cost of Buick Enclave insurance, insuring your vehicle is required in Ohio but also provides important benefits.

  • Just about all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability coverage in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a lien on your vehicle, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to protect their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Buick at an extremely high rate and force you to reimburse them a much higher amount than you were paying before.
  • Insurance safeguards not only your Buick Enclave but also your financial assets. Insurance will pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If mother nature or an accident damages your car, your policy will pay to repair the damage.

The benefits of insuring your car are without a doubt worth the cost, especially for larger claims. Unknowingly, the average driver is currently overpaying as much as $810 a year so compare rate quotes each time the policy renews to save money.