How to Save on Cleveland Buick Enclave Insurance

Insurance quote for Buick Enclave in ClevelandIf saving money is your primary concern, then the best way to find affordable car insurance rates in Cleveland is to start doing a yearly price comparison from insurance carriers that sell auto insurance in Ohio.

The key thing to know about shopping around is to try to compare the same physical damage deductibles and liability limits on each quote request and and to look at as many car insurance companies as possible. Doing this provides an apples-to-apples comparison and a good representation of prices.

Amazingly, a recent study showed that over 70% of drivers have been with the same company for over three years, and about 40% of consumers have never compared rates to find cheaper insurance. Ohio consumers could pocket almost 55% a year, but they think it’s difficult to shop around.

Components of Your Buick Enclave Insurance Prices

Many different elements are used when you quote your car insurance policy. Some are obvious such as your driving record, but others are more transparent such as whether you are married or how financially stable you are.

Save money by raising coverage deductibles – Coverage for physical damage, also called ‘full coverage’, helps pay for damage to your vehicle. Examples of some claims that would be covered are a windshield shattered by a rock, collision with an animal, and damage caused by flying debris. Comprehensive and collision coverage deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. The more money the insured has to pay upfront, the less your car insurance will be.

Never let your car insurance policy lapse – Not maintaining insurance is a misdemeanor and you will pay a penalty because you let your coverage cancel without a new policy in place. In addition to paying higher rates, being ticketed for driving with no insurance may result in fines or a revoked license.

Teenagers are high risk – Mature drivers tend to be more responsible, file fewer claims, and usually have better credit. Drivers with little experience are proven to be inattentive and easily distracted behind the wheel so car insurance rates are higher.

The next chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

Get hitched and pay lower prices – Being married actually saves money when buying car insurance. It translates into being more financially stable and it’s proven that being married results in fewer claims.

Which gender costs less? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. It does not mean men are worse drivers. Both genders get in fender benders at a similar rate, but males tend to have more serious accidents. Men also statistically get cited for more serious violations such as reckless driving.

The illustration below illustrates the difference between Buick Enclave car insurance rates for male and female drivers. The rate quotes are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Responsible drivers pay lower premiums – Your driving record can have a huge impact on auto insurance premiums. Just one chargeable violation may increase your cost twenty percent or more. Good drivers pay lower auto insurance prices than their less careful counterparts. Drivers who have license-revoking violations like reckless driving or DUI might be required by their state to file a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.

The information below demonstrates how citations and fender-benders drive up Buick Enclave insurance premiums for different age groups of insureds. The data assumes a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Where do you drive? – The more miles you rack up on your Buick in a year the higher your rate. A lot of companies price each vehicle’s coverage based on their usage. Autos that are left in the garage can get a lower rate than those that get driven frequently. It’s a good idea to make sure your policy shows the correct usage, because improper ratings can cost you money. An incorrectly rated Enclave can cost quite a bit.

Too many claims drive up rates – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies in Ohio award lower rates to people who are not frequent claim filers. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.

Buick Enclave historical loss data – Insurers study historical loss data when they calculate premium costs for each model. Vehicles that the data shows to have high amounts or severity of claims will have a higher cost to insure. The next table illustrates the historical insurance loss data for Buick Enclave vehicles.

For each coverage category, the claim probability for all vehicles, without regard to make or model, equals 100. Values that are 100 or less represent a good loss history, while values that are above 100 point to more frequent losses or tendency to have higher losses.

Buick Enclave Insurance Claim Statistics
Vehicle 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

Rates and detailed analysis

The information displayed below covers detailed analysis of insurance premium costs for Buick Enclave models. Having knowledge of how car insurance premiums are figured can benefit drivers when making smart choices when purchasing an insurance policy.

Buick Enclave Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $220 $428 $306 $18 $92 $1,064 $89
Enclave CX AWD $220 $428 $306 $18 $92 $1,064 $89
Enclave XL 2WD $220 $428 $306 $18 $92 $1,064 $89
Enclave XL AWD $244 $428 $306 $18 $92 $1,088 $91
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in garaging location in Cleveland which can raise or lower rates significantly.

Analysis of deductible levels

One common question asked by Cleveland drivers is the level to set your comp and collision deductibles. The rates below can help show the rate fluctuation when you select higher and lower comp and collision deductibles. The first table uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

Buick Enclave insurance prices 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 prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $160 $280 $226 $14 $68 $748 $62
Enclave CX AWD $160 $280 $226 $14 $68 $748 $62
Enclave XL 2WD $160 $280 $226 $14 $68 $748 $62
Enclave XL AWD $180 $280 $226 $14 $68 $768 $64
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can alter rates considerably.

Based on the figures above, using a $250 deductible could cost the average driver approximately $11 more each month or $132 for a full year averaged for all Enclave models than opting for the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have more than 23 months between claims, you would save more money if you choose the higher deductible.

Liability only or full coverage

The illustration below shows the comparison of Buick Enclave car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied.

When to stop buying full coverage

There is no exact formula to exclude comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Buick Enclave claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after the policy deductible has been paid. If it’s costing in excess of $700 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some circumstances where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not drop full coverage.

Discount Cleveland car insurance rates

Insuring your vehicles can cost a lot, but there may be some discounts that could drop your premiums quite a bit. Most are applied at the time of quoting, but a few need to be asked for before you will receive the discount. If they aren’t giving you every credit you qualify for, you could be saving more on your car insurance.Discount car insurance

Don’t be surprised that some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The example below shows the difference between Buick Enclave insurance prices with and without some available policy discounts. The information is based on a female driver, no claims or driving citations, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, homeowner, marriage, and safe-driver discounts applied.

Some of the insurance companies that may offer policyholders some of the discounts shown above include:

Before you buy a policy, ask each insurance company to apply every possible discount. Discounts may not apply to policies in Cleveland. To view providers with the best Buick Enclave insurance discounts in Cleveland, click here.

Do the work, save more money

We just presented a lot of information how to shop for Buick Enclave insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper Cleveland auto insurance quotes. You may even discover the lowest premium rates are with a smaller regional carrier.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There are many occasions where an insured cut physical damage coverage and discovered at claim time that it was a big error on their part. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Some car insurance companies do not offer internet price quotes and many times these regional insurance providers prefer to sell through local independent agencies. Lower-priced car insurance in Cleveland can be sourced from both online companies as well as from insurance agents, so compare prices from both in order to have the best chance of saving money.

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