Are you tired of trying to find more affordable Buick Enclave insurance in San Jose? Think you have an expensive insurance policy? It’s a common feeling and you are not the only one feeling buyer’s remorse.
It’s well known that auto insurance companies don’t want policyholders to shop around. People who compare rates annually are likely to buy a different policy because there are good odds of finding lower prices. A study showed that people who regularly compared rates saved approximately $865 a year compared to those who never shopped around for better prices.
If finding the best price on auto insurance is your ultimate target, then understanding how to find and compare coverage rates can make it easier for you to save money.
Insurance companies such as State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.
Consumers need to get comparison quotes at least once a year because prices change regularly. If you had the best rates on Buick Enclave insurance in San Jose two years ago you will most likely find a better rate quote today. There are lots of tips to save on Enclave insurance online but in this article, you’re going to get some great ideas on how to quit paying high insurance rates in San Jose.
Best companies for Buick Enclave insurance
The car insurance companies shown below offer price quotes in San Jose, CA. If several companies are displayed, it’s highly recommended you get rate quotes from several of them to get the cheapest price.
Buick Enclave detailed coverage information
The data table displayed next covers a range of coverage prices for Buick Enclave models. Having knowledge of how premiums are formulated is important for making informed coverage decisions.
|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|
|Get Your Own Custom Quote Go|
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in your specific San Jose location which can raise or lower rates substantially.
Tickets and at-fault accidents raise rates
The chart below illustrates how speeding tickets and at-fault fender-benders raise Buick Enclave insurance costs for different ages of insureds. The premium estimates are based on a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.
Full coverage or liability only
The information below illustrates the difference between Buick Enclave car insurance rates when comparing full coverage to state minimum liability only. The information is based on no claims, a clean driving record, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no set rule to exclude comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Buick Enclave book value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after you pay the deductible. If premium cost is more than $700 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some cases where removing full coverage is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.
Lower rate quotes on Buick Enclave insurance in San Jose with these car insurance discounts
Car insurance is not inexpensive, but you can get discounts that you may not know about. Some trigger automatically when you complete an application, but once in a while a discount must be requested specifically prior to getting the savings. If you do not double check each discount you qualify for, you could be saving more on your car insurance.
- Government Employees – Being employed by or retired from a federal job could provide a small rate reduction depending on your company.
- Anti-lock Brake Discount – Cars with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
- Accident Free – San Jose drivers who stay claim-free pay much less when compared to bad drivers.
- Student in College – Older children who are attending college and do not have a car can receive lower rates.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
- Paperless Signup – Some of the larger companies provide a small discount for signing up online.
- Student Discount for Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
- Passive Restraints – Options like air bags may qualify for discounts of more than 20%.
- Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
- Sign Early and Save – Some car insurance companies reward drivers for renewing your policy before your current Enclave insurance policy expires. The savings is around 10%.
A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, companies don’t profit that way. But any discount will help reduce the premium cost.
The diagram below illustrates the difference between Buick Enclave premium costs with and without discounts. The costs are based on a female driver, a clean driving record, no claims, 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-policy, multi-car, safe-driver, marriage, claim-free, and homeowner discounts applied.
If you would like to view car insurance companies with discount car insurance rates in California, click here to view.
Buick Enclave Insurance Costs Can Be More Affordable
Many different elements are part of the calculation when pricing auto insurance. Some of the criteria are obvious like an MVR report, but other criteria are not quite as obvious such as your credit history and annual miles driven.
Your spouse saves you money – Having a significant other may earn you lower rates when shopping for insurance. Having a spouse may mean you are more stable financially and statistics prove drivers who are married are more cautious.
Insurance companies don’t like frequent insurance claims – If you tend to file frequent claims, you shouldn’t be surprised to get either policy cancellation or increased premiums. Auto insurance companies in California give better rates to people who do not file claims often. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
More performance means more cost – The make and model of the vehicle you need insurance for makes a substantial difference in your rates. Lower cost passenger models generally have the cheapest insurance rates, but many other things help determine your insurance rates.
The following chart uses these assumptions: married female driver age 50, full coverage with $500 deductibles, and no discounts or violations. The chart compares Buick Enclave insurance premiums compared to other makes and models that have different risk factors.
Vehicle theft costs us all – Selecting a car model with a theft deterrent system can help lower your rates. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft and help bring rates down.
Buick Enclave claim statistics – Auto insurance companies analyze the history of losses to calculate a rate that will offset any claims. Vehicles that statistically have a trend towards higher claim severity or frequency will be charged more to insure. The table shown below demonstrates the collected loss data for Buick Enclave vehicles.
For each coverage category, the claim probability for all vehicles, regardless of manufacturer or model, is a value of 100. Numbers under 100 indicate better than average losses, while percentages above 100 indicate higher probability of having a loss or an increased chance of larger losses than average.
|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|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Buying from car insurance agents
Certain consumers would prefer to sit down with an agent and that can be a great decision The best thing about comparing insurance online is you may find cheap insurance rates and still have an agent to talk to.
To help locate an agent, after submitting this quick form, the coverage information is submitted to insurance agents in San Jose that can give you free San Jose auto insurance quotes to get your business. You won’t even need to do any legwork since rate quotes are delivered directly to you. You’ll get the best rates without the usual hassles of price shopping. If you wish to get a price quote from a specific insurance company, just navigate to their website and submit a quote form there.
Picking a insurer needs to be determined by more than just the premium amount. You should also get answers to these questions.
- How much training do they have in personal risk management?
- How is replacement cost determined on your vehicle?
- Can you use your own choice of collision repair facility?
- Where would glass claims be handled in San Jose?
- Do they receive special compensation for putting your coverage with one company over another?
- Does the company have a solid financial rating?
If you need to find a local San Jose insurance agency, there are a couple of different agency structures and how they differ in how they can insure your vehicles. Insurance agents can either be independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
These agents can only write with one company and some examples include State Farm, Allstate and AAA. They are unable to place coverage with different providers so it’s a take it or leave it situation. Exclusive insurance agents are usually well trained on their products and sales techniques which aids in selling service over price.
Shown below is a list of exclusive insurance agencies in San Jose who can help you get comparison quotes.
Independent Insurance Agents
Agents that elect to be independent often have affiliation with several companies so as a result can place your coverage through many companies and find the cheapest insurance rates. If you want to switch companies, your agent can just switch to a different company and you don’t have to find a new agent.
When comparison shopping, we recommend you include independent agents to have the most options to choose from.
The following are San Jose independent insurance agencies that are able to give rate quotes.
LNA Insurance Agency Inc
999 Story Rd – San Jose, CA 95122 – (408) 280-5815 – View Map
After receiving reasonable responses to these questions and an affordable coverage quote, chances are good that you have found an insurance agency that meets your needs to provide insurance coverage. It’s important to know that it’s your policy and you can cancel coverage for any reason so never assume you are locked into any specific agency for any length of time.
Cheaper auto insurance is a realistic goal
When shopping online for auto insurance, do not reduce needed coverages to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. Your aim should be to find the BEST coverage at a price you can afford, not the least amount of coverage.
Throughout this article, we presented a lot of tips how to compare Buick Enclave insurance car insurance rates in San Jose. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest car insurance rates are with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.
How to buy lower priced Buick Enclave insurance in San Jose
If you want to save money, the best way to find low-cost prices for Buick Enclave insurance in San Jose is to do an annual price comparison from companies who sell auto insurance in California. Rates can be compared by following these steps.
First, gain an understanding of what coverages are included in your policy and the changes you can make to prevent rate increases. Many factors that are responsible for high rates like getting speeding tickets and an imperfect credit history can be remedied by making small lifestyle or driving habit changes.
Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices from multiple companies.
Third, compare the new rates to your current policy premium and determine if cheaper Enclave coverage is available in San Jose. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide written notification to your current company of your decision to cancel the current policy and submit payment and a completed application to the new insurer. Don’t forget to keep the new certificate verifying proof of insurance in an easily accessible location in your vehicle.
An important bit of advice to remember is that you use the same physical damage deductibles and liability limits on every quote and and to analyze as many carriers as you can. Doing this ensures a level playing field and a complete price analysis.
Even more information can be found by following these links:
- Things to Know Before you Cancel Insurance (Allstate)
- What Auto Insurance is Cheapest for Young Drivers in San Jose? (FAQ)
- How Much is San Jose Car Insurance for a Ford Explorer? (FAQ)
- Who Has Cheap San Jose Car Insurance Quotes for a Subaru Outback? (FAQ)
- Who Has Cheap Car Insurance for a Ford F-150 in San Jose? (FAQ)
- How Much is Car Insurance for Drivers Requiring a SR22 in San Jose? (FAQ)
- Coverage Information (Progressive Insurance)
- Credit and Insurance Scores (Insurance Information Institute)
- Cellphones, Texting and Driving (iihs.org)
- Vehicle Size and Weight FAQ (iihs.org)