You're in the market for a large SUV with seating for up to eight, and the Buick Enclave made your shortlist. Along with plenty of room for passengers, this car offers numerous standard features and generous cargo space. Best of all, you won't have to pay a luxury price to get this higher-end family vehicle or for the car insurance you'll need to go with it.
An independent insurance agent can find you the best insurance available at the lowest prices for your Buick Enclave. First, find out how other factors can influence your rates.
What Kind of Insurance Do You Need for Your Buick Enclave?
The insurance coverage you choose for your Buick Enclave depends on your driving habits, the laws in the state where you live, and your car's value.
Bodily injury liability: If you're driving and cause an accident that results in bodily injury to someone else, bodily injury insurance will pay for lost wages and medical expenses for covered incidents.
Every state except Florida and New Hampshire requires drivers to carry bodily injury liability insurance.
Property damage liability: If you're driving and you cause damage to someone else's property, a property damage liability insurance policy will help pay to repair or replace the vehicle, building, or structure. It's important to note that property damage liability won't pay for repairs to your vehicle.
Medical payments, or personal injury protection: If you're driving and you're in an accident where you or your passengers are injured, personal injury protection (PIP) coverage may cover medical expenses. You can buy PIP coverage only in "no-fault" states. If you live in a state where PIP coverage isn't available, you can choose medical payments coverage.
Uninsured motorist coverage: If you're driving and you're in an accident with an uninsured driver, uninsured and underinsured motorist coverage helps pay for your car repairs or medical bills. In some states, uninsured motorist coverage is required.
- Collision insurance: Although collision insurance is optional in most states, it's worth looking into. If you're in an accident, collision insurance helps to pay for or repair your vehicle. The only time it doesn't make sense to have it is if you can afford to repair damage out of pocket or your vehicle is not worth a lot of money.
- Comprehensive coverage: This pays for repairs or replacement if your car is damaged by events outside your control. If a wildfire engulfs your car or you hit a deer, comprehensive coverage will pay for the damage minus your deductible.
- Glass coverage: Driving with a broken windshield is illegal and dangerous. For just a few dollars per month you can add glass coverage to your policy to help pay for repairs to your windshield and other glass.
- Gap insurance: If you lease or loan your Buick or buy it brand new, gap insurance helps pay off your car if you're involved in a total loss situation, so you don't have to come up with the money on your own.
What Affects the Cost of Insurance for Your Buick Enclave?
A lot goes into figuring out insurance rates. Your age, driving record, location, and your car's safety features and ratings are important criteria that help insurance companies figure out how much to charge you for an auto insurance policy.
Mid-size SUVs like the Enclave are generally 15% to 20% more expensive to insure than smaller vehicles such as sedans. However, you may find that premiums will vary from model to model, depending on the size of the engine and other factors, such as how the vehicle rates on safety and the likelihood of theft.
Of course, drivers with fewer violations and accidents on their records enjoy lower insurance rates. Having just one violation on your record can add $1700 to $2300 extra annually to your Buick Enclave insurance.
|Average insurance rates for Buick Enclave||$1,472|
The safety of your Buick Enclave
If you choose an Enclave model with all-wheel drive, you could pay less than your state's average because of the added safety of AWD.
The crash test data for the Buick Enclave resulted in excellent safety ratings by the Insurance Institute for Highway Safety (IIHS). A "Good" rating from the IIHS is the highest mark a vehicle can receive. In crashworthiness, the Enclave received the following ratings:
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
With dual front, rear overhead, and third-row seating airbags, a post-collision safety system, and a remote anti-theft alarm system, the Enclave is loaded with features insurance companies like. It also has a lower risk of rollover than many other popular large SUVs.
You may also be able to install non-factory safety features to improve the Enclave's ability to protect you and passengers even more. These packages may also reduce your Buick Enclave car insurance costs.
How location affects your Buick Enclave car insurance premiums
Where you live has a great deal to do with your auto insurance rates. Michigan is the most expensive state for Buick Enclave car insurance, where residents pay an average of $2,560 per year. North Carolina is the least expensive state, where residents pay an average of just $848 per year.
|Least expensive states for Buick Enclave insurance:|
A 40-year-old Buick Enclave driver with a good record living in any of these states pays an average of $900 per year.
|Most expensive states for Buick Enclave insurance:|
A 40-year-old Buick Enclave driver with a good record living in any of these states pays an average of $2,100 per year.
Average cost of Buick Enclave insurance by model
Not all Buick Enclave's have the same car insurance rates. Here's an example of how average rates vary by model.
|Buick Enclave CX 2WD||$1,428|
|Buick Enclave CX AWD||$1,472|
|Buick Enclave XL 2WD||$1,472|
|Buick Enclave XL AWD||$1,518|
Top Auto Insurance Carriers for Buick Enclave
When choosing insurance coverage, pay attention to the insurance company's reputation. It's crucial to choose a company that responds to inquiries and pays claims in a timely manner. Unfortunately, not every insurance company has a track record of taking good care of their customers. Your independent insurance agent can recommend insurance companies that they trust to meet their clients' needs.
Here are four insurance companies that earned high marks in the US Independent Insurance Agent Satisfaction Study by J.D. Power:
Where to Find Car Insurance for Your Buick Enclave
Knowledgeable independent agents are always available to answer any questions you may have about your car insurance options.
These experienced agents can locate a variety of quotes from a number of different insurance companies, enabling you to choose a policy with the best coverage at the most affordable rates for your Buick Enclave insurance. Contact a TrustedChoice.com agent today to find out how you can protect you and your new SUV.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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