Car Insurance Quotes for a Buick Enclave
Are You Getting the Cheapest Car Insurance Available for a Buick Enclave?
How Much Is Car Insurance for a Buick Enclave?
The average annual premium for a Buick Enclave auto policy is $1,656 for full coverage and $924 for state-required minimum coverage.
Need help understanding which policy options are best for you and your family? Let Freeway Insurance lend a hand with a free, no-obligation consultation by one of our friendly agents.
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Comparing Insurance Costs for a Buick Enclave to Other Vehicles
Buick Enclave drivers can expect to pay different premium amounts than drivers of competing vehicles like the Kia Telluride, Hyundai Palisade, Chevrolet Traverse, and Honda Passport. Reasons for this include but are not limited to variances in safety records, body type, engine style, theft rate, depreciation rate, and hundreds of other vehicle characteristics underwriters use to determine your premiums.
| Make/Model | Annual Full Coverage Insurance |
|---|---|
| Buick Enclave | $1,656 |
| Kia Telluride | $1,798 |
| Hyundai Palisade | $1,680 |
| Chevrolet Traverse | $1,730 |
| Honda Passport | $1,404 |
Types of Car Insurance Coverage for a Mid-Size SUV
If you are a Buick Enclave driver, two policies worth considering are liability-only and full coverage.
Both offer several advantages, where insurance agrees to cover the cost of damages due to everything from vehicle-to-vehicle accidents to incidents involving falling objects up to specified limits.
Full Coverage
A full coverage policy includes liability, collision, and comprehensive.
The latter two provide additional protection, covering the cost of repairing or replacing a policyholder’s vehicle in case of a crash or non-crash-related accident caused by theft, vandalism, hail, vehicle-to-vehicle, vehicle-to-object, and rollover collisions.
By combining liability, collision, and comprehensive coverage, policyholders enjoy protection against a broader range of road scenarios, including damages to their vehicle, to themselves, and to fellow passengers.
State Minimum Liability
All drivers must carry at least a state minimum liability policy, which provides third-party-only benefits, covering the cost of damages and injuries sustained by third parties in an at-fault accident. Liability consists of financial help for bodily injury and property damage the policyholder causes to others in an at-fault accident.
Every state requires minimum liability limits, expressed in three numbers (e.g., 30/60/30).
For example, in Nebraska, drivers must carry minimum liability of $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $25,000 in property damage, as well as 25/50 in uninsured motorist coverage.
Individual Factors That Influence Pricing for the Enclave
There are many items that go into determining your premium. Three factors underwriters at auto insurance companies use to determine the cost of your premiums are location, vehicle type, and age/gender.
Location
In densely populated areas such as New York City and Chicago, policyholders can expect to pay more to insure their vehicle than residents in sparsely populated areas like Boise, due to the higher rates of theft, vandalism, and claims in both regions.
Vehicle Type
The year, make, and model of your vehicle affect premiums. Higher-priced vehicles command higher repair and part replacement costs, adjusting premiums accordingly. Likewise, cars with the latest safety features, such as anti-theft systems and electronic stability control, may qualify for lower rates due to their safety systems.
Age and Gender
Generally, younger drivers pay higher premiums than older drivers, thanks to having no driving history and a higher collective claims rate. Expect your premiums to be at their lowest in your 30s, 40s, and 50s (assuming a clean driving record) before potentially increasing in your 60s and 70s due to slower reflexes, a higher rate of accidents, and similar factors.
How Does a DUI Affect Insurance Rates?
One of the worst things that can happen to any driver is being convicted of a DUI.
Even first-time DUI offenders are subject to heavy scrutiny, facing increased premiums that can double or triple. In addition, you’re now classified as a high risk driver, with the possibility of policy non-renewal or cancellation.
You may be required to attend a mandatory alcohol education program. Failure to comply can result in additional penalties.
Lastly, your provider may also need to file an SR-22 on your behalf, a proof of financial responsibility that lets the state know you’re carrying the minimum required coverage to drive legally. Expect to have this add-on on file for at least three years, with rates steadily dropping the longer you maintain a clean driving record.
What Are Some Car Insurance Discounts for a Buick SUV?
If you are interested in saving money on your next policy, two discounts to consider are multi-policy and good driver discounts.
Also referred to as “bundling,” multi-policy discounts incentivize policyholders to purchase two or more coverage types (e.g., auto and homeowners). Helping reduce a provider’s overhead costs passes the savings back on to you.
A second discount allows drivers with spotless driving records to enjoy discounts of up to 25% off their monthly bill. With no traffic violations, claims, or at-fault discounts, this good driver discount can go a long way.
Other discounts that you may consider include (not an all-inclusive list):
- Defensive Driving Discount. You may qualify for a discount after completing an approved defensive driving course. Topics you may learn about include navigating slippery roads, accident prevention, and safety yielding to oncoming pedestrians.
- Safety Features. By installing electronic stability control, collision avoidance systems, and other safety features, you’re helping to risk-proof your vehicle, resulting in lower premiums.
- Low Mileage. If you drive less than the average number of miles yearly, you are seen as a reduced risk with adjusted premiums.
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What Are Some of the Characteristics of the Buick Enclave?
This is a vehicle in the midsize SUV segment.
It is available in three trims: Essence, Premium, and Avenir.
Standard features include Apple CarPlay/Android Auto compatibility, a six-speaker audio system, Bluetooth, and a Wi-Fi hotspot. Upgrading to higher-level trims offers a 10-speaker Bose sound system, panoramic moonroof, push-button start, and proximity keyless entry.
Main competitors are the Kia Telluride, Hyundai Palisade, Chevrolet Traverse, and the Honda Passport.
Find the Best Car Insurance Rates Online for the Buick Enclave Today
Are you in the market for a new auto insurance policy? If so, Freeway Insurance can help.
Feel free to connect with us in one of three ways. Visit us online for a free quote, stop by one of our locations, or call (800) 777-5620 to explore all of your possibilities with a friendly agent. We’re eager to get in touch today!