Buick Enclave Insurance Rates in Raleigh

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

Insurance rates Buick Enclave in RaleighThe recommended way to get affordable car insurance rates is to compare prices annually from providers in Raleigh.

  • First, try to learn a little about coverages and the things you can change to keep rates low. Many policy risk factors that increase rates like inattentive driving and poor credit can be amended by making minor changes to your lifestyle.
  • Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple sources. Click to view companies
  • Third, compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates and buy the policy, make sure there is no lapse in coverage.

One bit of advice is to try to compare identical coverage information on each quote and and to get price quotes from every company you can. This helps ensure a level playing field and a good representation of prices.

It's safe to conclude that car insurance companies don't want you to look for a cheaper policy. People who shop around for the cheapest rate are inclined to switch companies because of the good chance of finding discount prices. A recent survey found that people who routinely compared rates saved an average of $3,500 over four years as compared to drivers who never compared other company's rates.

If finding the most affordable insurance in Raleigh is why you're reading this, then learning a little about how to quote and compare insurance rates can save time and make the process easier.

Finding quotes for affordable policy in Raleigh can be fairly easy. Virtually every driver who is required to buy insurance most likely will be able to reduce their rates. Nevertheless, North Carolina consumers should learn the way insurance companies determine what you pay.

How much is Buick Enclave insurance in Raleigh?

When price shopping your coverage, making a lot of price comparisons helps you find the best price. Some companies don't provide Raleigh Enclave insurance quotes over the internet, so it's important to compare price quotes from them, too.

The providers in the list below are our best choices to provide price quotes in North Carolina. If you want the cheapest auto insurance in Raleigh, it's a good idea that you get rates from several of them to find the cheapest car insurance rates.

Reduce your insurance rates with discounts

Insurance is expensive, but discounts can save money and there are some available that could drop your premiums quite a bit. Some trigger automatically when you get a quote, but lesser-known reductions have to be asked about before they will apply. If you aren't receiving every discount possible, you are not getting the best rate possible.Save money with discounts

  • Seat Belt Discounts - Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • College Student - Youth drivers who are attending college and don't have a car may be able to be covered for less.
  • Save over 55 - Older drivers are able to get lower premium rates.
  • Air Bags and Passive Restraints - Factory air bags can receive discounts as much as 30%.
  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
  • Pay Early and Save - If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
  • Professional Organizations - Joining specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance.

Remember that some credits don't apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you can get free auto insurance, it just doesn't work that way.

The diagram below shows the difference between Buick Enclave yearly insurance costs with and without policy discounts. The premiums are based on a male driver, no claims or violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, multi-car, homeowner, and claim-free discounts applied.

Auto insurance companies that may have some of the above discounts are:

Before you buy a policy, ask all companies you are considering to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in every state.

Buick Enclave insurance rates and statistics

The premium table shown below covers different insurance policy prices for Buick Enclave models. Learning more about how rates are formulated can assist in making smart choices when comparing insurance quotes.

Buick Enclave Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $152 $240 $326 $20 $98 $836 $70
Enclave CX AWD $152 $240 $326 $20 $98 $836 $70
Enclave XL 2WD $152 $240 $326 $20 $98 $836 $70
Enclave XL AWD $170 $240 $326 $20 $98 $854 $71
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in zip code location which can lower or raise coverage prices noticeably.

Can higher deductibles save money?

One of the most common car insurance questions is which deductible level should you buy. The data tables below determine the differences in price when you choose different policy deductibles. The first data table uses a $250 physical damage deductible and the second price chart uses a $500 deductible.

Buick Enclave insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $218 $382 $250 $14 $74 $963 $80
Enclave CX AWD $218 $382 $250 $14 $74 $963 $80
Enclave XL 2WD $218 $382 $250 $14 $74 $963 $80
Enclave XL AWD $242 $382 $250 $14 $74 $987 $82
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Buick Enclave insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $176 $308 $250 $14 $74 $822 $69
Enclave CX AWD $176 $308 $250 $14 $74 $822 $69
Enclave XL 2WD $176 $308 $250 $14 $74 $822 $69
Enclave XL AWD $196 $308 $250 $14 $74 $842 $70
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific zip code location which can raise or lower premiums significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $12 more each month or $144 each year than opting for the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 21 months between claims, you would come out ahead by selecting a higher deductible.

Safe drivers Raleigh pay cheaper rates

The diagram below highlights how traffic violations and at-fault claims can drive up Buick Enclave annual premium costs for each different age group. The price estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

Cost of full coverage in Raleigh

The diagram below visualizes the comparison of Buick Enclave insurance prices when comparing full coverage to liability only. The data assumes no accidents or driving violations, $1,000 deductibles, single marital status, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no exact rule to exclude physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's pretend your Buick Enclave claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after the deductible is paid. If you are paying over $500 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some conditions where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Lower Insurance Rates with These Tips

Many factors are part of the calculation when premium rates are determined. Some factors are common sense such as your driving record, although others are not quite as obvious such as your marital status or your commute time. One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that aid in calculating the rates you pay for car insurance. When you understand what impacts premium levels, this empowers consumers to make smart changes that can help you get cheaper rates.

The list below includes some of the things used by companies to determine your prices.

A coverage lapse is a bad thing - Driving any period of time without insurance can get your license suspended and any future policy may cost more because you let your coverage lapse. Not only will you pay higher rates, not being able to provide proof of insurance could earn you fines or a revoked license.

Does insurance cost more for men? - The statistics show females are less aggressive when driving. It does not mean men are worse drivers. Females and males get in fender benders in similar percentages, but the male of the species get into accidents with more damage. In addition to higher claims, males also receive more costly citations such as reckless driving. Male drivers age 16 to 19 have the highest risk to insure and therefore pay the highest rates.

The illustration below shows the difference between Buick Enclave auto insurance costs for male and female drivers. The premiums assume no violations or accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are applied.

Your credit rating is important - A driver's credit score is likely to be a major factor in determining what you pay. So if your credit history is lower than you'd like, you could save money insuring your Buick Enclave by repairing your credit. Drivers with excellent credit tend to file fewer claims than drivers with lower credit ratings.

High performance equals high premiums - The performance of the vehicle you need to insure makes a substantial difference in how high your rates are. Small economy passenger vehicles generally have the cheapest insurance rates, but there are many factors that impact the final cost.

The following chart assumes a married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It compares Buick Enclave car insurance rates compared to other makes and models that have a range of performance risks.

How many coverages with the same company - Some insurers will award lower prices to policyholders who consolidate policies with them. It's known as a multi-policy discount. If you currently are using one company, it's always a smart idea to compare other Raleigh Enclave insurance rates to help ensure you have the lowest rates.

Cars with good safety ratings save money - Safer cars cost less to insure. Safe vehicles result in less severe injuries and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Buick Enclave is rated at least four stars on Safercar.gov or an "acceptable" rating on iihs.org you may pay a lower rate.

Getting married can save you money - Having a significant other may save some money compared to being single. Marriage usually means you are more responsible it has been statistically shown that drivers who are married are more cautious.

Don't cut corners with liability - Your car insurance policy's liability coverage is the coverage that protects you if you are ruled to be at fault for damages from an accident. Liability insurance provides legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.

Buick Enclave claim statistics - Car insurance companies include the past claim history for a vehicle to calculate a rate that offsets possible losses. Vehicles that the statistics show to have higher losses will have higher premium rates. The next table illustrates the actual insurance loss data for Buick Enclave vehicles.

For each type of coverage, the loss probability for all vehicles as a whole is considered to be 100. Percentages below 100 suggest losses that are better than average, while numbers above 100 point to more claims or tendency to have higher losses.

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

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