How to Save on Buick Enclave Insurance in Stockton

Insurance rates Buick Enclave in StocktonHow many times have you told yourself it’s time to shop around for cheaper Buick Enclave insurance in Stockton? Locating better insurance prices for a new or used Buick Enclave in California can normally be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to buy auto insurance so you’re going to learn the best way to get price quotes for a new or used Buick and locate the lowest price from both online companies and Stockton agents.

Remarkably, a study showed that a large majority of drivers in California kept their coverage with the same auto insurance company for at least the last four years, and just short of a majority have never shopped around. The average driver in America could save approximately $859 each year, but they don’t understand how simple it is to compare rate quotes.

It’s a good habit to price shop coverage once or twice a year since insurance prices trend upward over time. Even if you think you had the lowest price on Buick Enclave insurance in Stockton a couple years back you will most likely find a better rate quote today. There is a lot of bad information regarding Enclave insurance on the web, but in a few minutes you can learn some great ideas on how to put money back in your pocket.

Best Buick Enclave insurance rates in California

The companies shown below are ready to provide price comparisons in Stockton, CA. If multiple companies are shown, we suggest you visit several of them to get the best price comparison.

Auto insurance statistics for a Buick Enclave

The rate information displayed below highlights different coverage costs for Buick Enclave models. Knowing how auto insurance policy rates are established helps drivers make smart choices when choosing a car insurance company.

Buick Enclave Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $264 $524 $596 $36 $178 $1,598 $133
Enclave CX AWD $264 $524 $596 $36 $178 $1,598 $133
Enclave XL 2WD $264 $524 $596 $36 $178 $1,598 $133
Enclave XL AWD $294 $524 $596 $36 $178 $1,628 $136
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in specific location which can raise or lower insurance rates noticeably.

Physical damage deductibles

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The rates below may help to illustrate how much more rates are when you choose different policy deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Buick Enclave insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $430 $810 $442 $26 $132 $1,865 $155
Enclave CX AWD $430 $810 $442 $26 $132 $1,865 $155
Enclave XL 2WD $430 $810 $442 $26 $132 $1,865 $155
Enclave XL AWD $478 $810 $442 $26 $132 $1,913 $159
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Buick Enclave insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $314 $546 $442 $26 $132 $1,460 $122
Enclave CX AWD $314 $546 $442 $26 $132 $1,460 $122
Enclave XL 2WD $314 $546 $442 $26 $132 $1,460 $122
Enclave XL AWD $348 $546 $442 $26 $132 $1,494 $125
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Prices do not factor in specific zip code location which can modify insurance rates noticeably.

We can estimate from the data above that using a $100 deductible costs roughly $33 more each month or $396 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 12 months between claims, you would come out ahead going with the higher deductible. Here’s how you can make your own decision.

Average monthly premium for $100 deductibles: $156
Average monthly premium for $500 deductibles (subtract): – $123
Monthly savings from raising deductible: $33
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

One important issue to know is that higher deductibles means you will have to pay more at claim time. That will require access to more funds in the event you have to pay the deductible for vehicle repair.

Comparison of auto insurance rates by gender

The diagram below compares Buick Enclave insurance prices for male and female drivers. The costs are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in.

Comparison of full coverage and liability-only policies

The diagram below illustrates the comparison of Buick Enclave insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums assume no claims or violations, $100 deductibles, single marital status, and no discounts are applied to the premium.

When to drop comprehensive and collision

There is no set guideline to stop paying for physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Buick Enclave replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $8,000 after the deductible is paid. If it’s costing in excess of $800 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where only buying liability is not financially feasible. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage.

Buick Enclave insurance discounts in Stockton

Companies that sell car insurance do not list every discount they offer very clearly, so we took the time to find both the well known as well as the least known credits available to bring down your rates.Car insurance discounts

As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any amount of discount should help reduce the cost of your policy.

The diagram below compares Buick Enclave car insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, marriage, and safe-driver discounts applied.

A list of companies and their possible discounts can be found below.

It’s a good idea to ask every insurance company which discounts you may be entitled to. Depending on the company, some discounts might not be offered on policies in Stockton. To locate insurers that offer the discounts shown above in Stockton, click here to view.

Learn How to Get Insurance for Less

Consumers need to have an understanding of the factors that are used to determine your policy premiums. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that will entitle you to big savings.

Shown below are some of the things that factor into rates.

How many coverages with the same company – Many insurance companies provide a discount for people who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount drivers will still want to shop around to make sure you are getting the best deal.

Low stress employer equals lower rates – Jobs like real estate brokers, social workers, and dentists usually pay higher premiums than the average policyholder because of intense work-related stress and lots of time spent at work. On the other hand, careers like actors, historians and the unemployed pay lower than average rates.

Lower mileage equals lower premium – The more miles you rack up on your Buick in a year’s time the higher the price you pay to insure it. Almost all companies apply a rate based upon how the vehicle is primarily used. Cars and trucks left parked in the garage cost less to insure than vehicles that are driven to work every day. Make sure your insurance coverage is showing the correct usage, because improper ratings can cost you money. An improperly rated Enclave can cost quite a bit.

Incidental coverages can waste money – There are a lot of extra add-on coverages you can purchase if you aren’t careful. Coverage for things like rental car coverage, towing, and extra life insurance coverage could be just wasting money. You may think they are a good idea when deciding what coverages you need, but now you might not need them so think about removing them and cutting costs.

Better drivers pay better rates – A bad driving record impacts premiums far more than you think. Attentive drivers tend to pay less for car insurance compared to drivers with tickets. Even one speeding ticket can boost insurance rates by as much as twenty percent. Drivers who have gotten flagrant violations such as reckless driving, hit and run or driving under the influence might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive a vehicle.

The example below highlights how speeding tickets and accident claims can raise Buick Enclave insurance prices for different age groups of insureds. The prices are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Lower rates for vehicles with better crash test results – Cars with five star safety ratings can get you lower premiums. Vehicles built for safety have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Buick Enclave is rated at a minimum four stars on it is probably cheaper to insure.

Prices and your address – Residing in a small town has it’s advantages when it comes to insurance. Less people means a lower chance of having an accident in addition to lower liability claims. Drivers who live in large California cities have more road rage incidents and more severe claims. More time behind the wheel statistically corresponds to a higher accident and claim rate.

Liability limits are a factor – The liability section of your policy will protect you if ever you are found liable for physical damage or personal injury to other. It will provide for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.

Insurance loss data for Buick Enclave vehicles – Insurance companies analyze historical claim data in order to profitably underwrite each model. Models that tend to have higher number or severity of losses will have increased rates. The table shown below demonstrates the historical loss data for Buick Enclave vehicles.

For each type of coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is a value of 100. Numbers under 100 imply a favorable loss record, while percentage values above 100 indicate more frequent claims or statistically larger claims.

Buick Enclave Insurance Loss Statistics
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

Statistics from for 2013-2015 Model Years

Get rate quotes but still have a local Stockton insurance agent

Many people still prefer to get advice from a local agent and doing that can be a smart decision Insurance agents are trained to spot inefficiencies and give you someone to call. A good thing about comparing insurance prices online is that you can find lower rates but still work with a licensed agent. And providing support for neighborhood insurance agencies is important particularly in Stockton.

Insurance agents in StocktonAfter filling out this simple form, your insurance data is immediately sent to companies in Stockton who will give you bids for your business. There is no need to leave your house because quoted prices will be sent to you instantly. If you want to compare prices from a specific company, feel free to find their quoting web page to submit a rate quote request.

Choosing the best company requires you to look at more than just a cheap quote. These are some valid questions you should ask.

In Summary

Consumers switch companies for many reasons like delays in paying claims, delays in responding to claim requests, denial of a claim and not issuing a premium refund. No matter why you want to switch, switching insurance companies can be easier than you think.

You just read some good ideas how you can lower your Buick Enclave insurance premium rates in Stockton. The key concept to understand is the more rate comparisons you have, the higher your chance of finding low cost Stockton auto insurance quotes. You may even find the most savings is with a smaller regional carrier.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There have been many cases where an insured dropped physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

Steps to finding low-cost Buick Enclave insurance in Stockton

The recommended way to find low-cost prices for Buick Enclave insurance in Stockton is to start comparing rates regularly from providers that sell auto insurance in California. Rates can be compared by following these guidelines.

First, spend some time learning about the different coverages in a policy and the measures you can control to keep rates down. Many policy risk factors that drive up the price like speeding and a bad credit score can be rectified by making small lifestyle or driving habit changes.

Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like Progressive or State Farm, while independent agents can quote prices from multiple sources.

Third, compare the new rate quotes to the premium of your current policy and determine if cheaper Enclave coverage is available. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.

One thing to remember is that you’ll want to compare identical deductibles and limits on every quote and to quote with as many car insurance companies as possible. Doing this guarantees an apples-to-apples comparison and the best price selection.

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