Buick Enclave Insurance Quotes in Madison

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

Insurance rates Buick Enclave in MadisonIf saving the most money is your goal, then the best way to find discount Buick Enclave insurance in Madison is to start doing a yearly price comparison from insurers in Wisconsin.

  • First, spend some time learning about coverages and the modifications you can make to keep rates low. Many factors that cause high rates such as tickets, at-fault accidents, and a lousy credit rating can be remedied by being financially responsible and driving safely. This article gives more details to help find cheaper rates and get additional discounts.
  • Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and State Farm, while agents who are independent can provide prices from multiple insurance companies.
  • Third, compare the price quotes to your existing coverage to determine if you can save on Enclave insurance. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.
  • Fourth, give notification to your agent or company of your decision to cancel the current policy. Submit a signed application and payment to your new agent or company. Be sure to store the certificate of insurance in your glove compartment.

A key point to remember is to compare identical limits and deductibles on each price quote and and to get rate quotes from every insurance company. This enables the most accurate price comparison and the best price selection.

It goes without saying that auto insurance companies don't want their customers to go rate shopping. Insureds who shop rates annually will probably switch to a new company because they have good chances of finding good coverage at a lower price. A study showed that people who compared price quotes annually saved an average of $860 a year compared to other drivers who never shopped around.

If saving the most money on insurance in Madison is your ultimate goal, then learning about how to get rate quotes and compare insurance premiums can help simplify the task of finding more affordable coverage.

This information will instruct you on the best way to quote coverages and how you can save the most money. If you are already insured, you will definitely be able to get lower rates using this strategy. Smart buyers just have to learn the quickest way to compare rates from many companies at once.

Cut Insurance Costs with These Tips

Multiple criteria are part of the equation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but other factors are more transparent such as whether you are married or your commute time.

The items below are some of the most common factors that factor into your rate level.

  • More policies can equal more savings - Most major insurance companies will give a discount to policyholders who consolidate policies with them. It's known as a multi-policy discount. Even with this discount applied, consumers should still compare other company rates to make sure you are getting the best deal.
  • Guys tend to take more risk - Statistics demonstrate that females take fewer risks when driving. That doesn't necessarily mean that women are better drivers. Both sexes cause accidents in similar percentages, but men have accidents that have higher claims. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving.

    The information below compares Buick Enclave insurance prices for male and female drivers. The price estimates are based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, marital status is single, and no policy discounts are applied.

  • Low deductibles mean high premiums - The deductibles you choose state the amount of money you are required to pay before a claim is paid by your company. Insurance for physical damage to your car, aka comp and collision, insures against damage to your car. Examples of some claims that would be covered would be rear-ending another vehicle, fire damage, and having a roll-over accident. The more you're willing to pay, the less money you will pay for car insurance.
  • File insurance claims and pay more - Car insurance companies in Wisconsin generally give the lowest premiums to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Car insurance rates and age - Teenage drivers in Wisconsin tend to be careless and easily distracted when driving with friends and because of this, their car insurance rates are much higher. Having to add a teen driver onto your car insurance will cause a huge premium hike. Older people are more responsible, tend to file fewer claims, and are generally more financially stable.

    The following chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Reduce car insurance rates by driving cars with good safety ratings - Cars with five star safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and reduced instances of injuries means less money paid by your insurance company and lower rates for you. If your Buick Enclave scored at minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org you may pay a lower rate.
  • Insurance loss data for a Buick Enclave - Insurers include the past claim trends for vehicles to calculate a price that offsets possible losses. Vehicles that the statistics show to have higher number or severity of losses will have higher rates for specific coverages.

    The next table illustrates the compiled insurance loss statistics for Buick Enclave vehicles. For each type of coverage, the claim amount for all vehicles, regardless of make or model, is set at 100. Numbers that are below 100 are indicative of better than average losses, while values over 100 indicate a higher chance of having a claim or an increased probability of a larger loss.

    Buick Enclave Insurance Loss 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 from IIHS.org for 2013-2015 Model Years

Facts and figures for Buick Enclave insurance

The premium table shown next showcases different insurance costs for Buick Enclave models. Having a good grasp of how auto insurance premiums are formulated helps drivers make smart choices when purchasing an auto insurance policy.

Buick Enclave Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $174 $358 $220 $14 $66 $832 $69
Enclave CX AWD $174 $358 $220 $14 $66 $832 $69
Enclave XL 2WD $174 $358 $220 $14 $66 $832 $69
Enclave XL AWD $194 $358 $220 $14 $66 $852 $71
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in your specific Madison location which can influence price quotes significantly.

Policy deductible comparison

When shopping for insurance, a common question is which deductibles should you choose. The rates below highlight how much more rates are of buying low and high comp and collision deductibles. The first rate quote example uses a $250 deductible for physical damage and the second price chart uses a $1,000 deductible.

Buick Enclave insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $200 $352 $230 $14 $68 $889 $74
Enclave CX AWD $200 $352 $230 $14 $68 $889 $74
Enclave XL 2WD $200 $352 $230 $14 $68 $889 $74
Enclave XL AWD $224 $352 $230 $14 $68 $913 $76
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Buick Enclave insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $124 $222 $230 $14 $68 $658 $55
Enclave CX AWD $124 $222 $230 $14 $68 $658 $55
Enclave XL 2WD $124 $222 $230 $14 $68 $658 $55
Enclave XL AWD $138 $222 $230 $14 $68 $672 $56
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate information does not factor in vehicle garaging location which can change auto insurance rates considerably.

Based on the data above, we can derive that using a $250 deductible costs roughly $20 more each month or $240 for a full year across all Buick Enclave models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 38 months between claim filings, you would probably save some money going with the higher deductible.

The diagram below illustrates how your choice of deductibles and can affect Buick Enclave insurance rates for different age groups. The prices are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

Accidents and violations increase rates

The information below demonstrates how speeding tickets and at-fault collisions raise Buick Enclave insurance costs for different age categories. The data assumes a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Cost difference between full coverage and liability

The chart below visualizes the comparison of Buick Enclave yearly insurance costs when comparing full coverage to state minimum liability only. The prices are based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

When to drop comprehensive and collision coverage

There is no definitive guideline of when to stop paying for full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let's assume your Buick Enclave claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after the policy deductible has been paid. If you are paying more than $200 a year to have full coverage, then you might want to consider buying only liability coverage.

There are a few situations where buying only liability insurance is not financially feasible. If you haven't paid off your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not drop full coverage.

Car insurance policy discounts for Buick Enclave insurance in Madison

The cost of insuring your cars can be expensive, but you may be missing some discounts to help offset the cost. Some of these discounts will be visible when you purchase, but a few need to be requested specifically before being credited.Save money with discounts

  • One Accident Forgiven - Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident before your rates go up if you have no claims before the accident.
  • Paperless Signup - A few larger companies will give a small break for signing up on your computer.
  • Claim-Free Discount - Claim-free drivers can save substantially in comparison to bad drivers.
  • Low Mileage - Fewer annual miles on your Buick can qualify you for lower rates due to less chance of an accident.
  • Air Bags and Passive Restraints - Factory air bags can qualify for discounts of up to 25% or more.
  • 55 and Retired - Mature drivers can possibly qualify for lower premium rates.
  • Driver's Education for Students - Reduce the cost of insurance for teen drivers by having them enroll in driver's education as it can save substantially.
  • Multiple Cars - Insuring all your vehicles with the same company could earn a price break for each car.
  • Life Insurance - Larger car insurance companies have a discount if you purchase life insurance.

A quick disclaimer, some of the credits will not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. Despite the fact that it seems like it's possible to get free car insurance, that's just not realistic. Any qualifying discounts will definitely lower the amount you pay for coverage.

The chart below illustrates the comparison of Buick Enclave insurance premiums with and without discounts applied. The information is based on a male driver, no accidents, no driving violations, Wisconsin 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, claim-free, marriage, homeowner, multi-car, and safe-driver discounts applied.

The best car insurance companies and a summarized list of policyholder discounts are detailed below.

  • GEICO may offer discounts for five-year accident-free, seat belt use, anti-theft, good student, and multi-policy.
  • USAA offers premium reductions for new vehicle, multi-vehicle, defensive driver, multi-policy, and vehicle storage.
  • Progressive discounts include good student, continuous coverage, online quote discount, online signing, multi-policy, homeowner, and multi-vehicle.
  • American Family has discounts for Steer into Savings, accident-free, multi-vehicle, good driver, mySafetyValet, air bags, and TimeAway discount.
  • Esurance includes discounts for emergency road assistance, online quote, good student, multi-car, Switch & Save, and multi-policy.
  • Farmers Insurance may have discounts that include electronic funds transfer, teen driver, youthful driver, good student, and mature driver.
  • State Farm offers discounts including driver's education, Steer Clear safe driver discount, multiple policy, anti-theft, Drive Safe & Save, accident-free, and good driver.

If you want affordable Madison auto insurance quotes, ask each insurance company how you can save money. Some of the earlier mentioned discounts might not apply in Madison.

Which auto insurance company is best in Wisconsin?

Picking the highest-rated insurer can be difficult considering how many choices there are in Wisconsin. The company information shown below could help you choose which car insurance providers you want to consider comparing prices from.

Top 10 Madison Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Nationwide - A+
  6. Esurance - A+
  7. The Hartford - A+
  8. Erie Insurance - A+
  9. Progressive - A+
  10. Allstate - A+

More comparisons equals affordable rates

As you restructure your insurance plan, it's very important that you do not buy less coverage just to save a little money. There have been many situations where consumers will sacrifice physical damage coverage only to regret at claim time that they should have had better coverage. The goal is to buy enough coverage at an affordable rate, but don't skip important coverages to save money.

Lower-priced auto insurance in Madison can be bought from both online companies as well as from insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not offer online quoting and most of the time these small insurance companies only sell coverage through independent agents.

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