How to Save on Austin Buick Enclave Insurance

Buick Enclave insurance cost image courtesy of QuoteInspector.com

Do you need a fast way to compare the cheapest Buick Enclave insurance in Austin? Pretty sure you bought an underperforming, overpriced auto insurance policy? Don't sweat it because there are many Austin drivers thinking the same thing.

Statistics show that almost 70% of drivers kept their coverage with the same auto insurance company for well over three years, and roughly 40% of drivers have never compared rate quotes at all. Many drivers in Texas can save roughly 70% each year, but they don't invest the time required to compare rates and save money.

Multiple insurers compete to insure your vehicles, so it's not easy to compare every insurance company to find the best rates possible on Buick Enclave insurance in Austin.

These discounts can lower Buick Enclave insurance rates

Car insurance can cost a lot, but you may be missing some discounts to help bring down the price. Certain discounts will be applied when you quote, but once in a while a discount must be asked about before they will apply.

• Pay Now and Pay Less - If you can afford to pay the entire bill instead of monthly or quarterly installments you may reduce your total bill.
• Theft Prevention Discount - Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.
• Distant College Student Discount - Kids living away from Austin attending college without a vehicle on campus may be insured at a cheaper rate.
• Senior Discount - Seniors may receive lower premium rates.
• Policy Bundle Discount - If you can combine your auto and homeowners policy with the same insurance company you will save nearly 15% which can help you find affordable Buick Enclave insurance rates in Austin.
• Life Insurance Discount - Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance from them.
• ABS Brakes - Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
• Seat Belts Save - Requiring all passengers to buckle up before driving can save up to 15% off PIP or medical payments premium.
• Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Good Student - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.

You can save money using discounts, but many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you could get a free insurance policy, that's just not realistic. Any qualifying discounts will help lower your policy premiums.

A few popular companies and some of the discounts can be found below.

• GEICO may have discounts that include multi-vehicle, multi-policy, air bags, seat belt use, military active duty, and membership and employees.
• USAA has savings for good student, defensive driver, safe driver, annual mileage, vehicle storage, military installation, and loyalty savings.
• Progressive offers discounts for online quote discount, multi-policy, good student, multi-vehicle, and homeowner.
• American Family may offer discounts for good driver, Steer into Savings, bundled insurance, good student, and defensive driver.
• Esurance offers discounts including claim free, renters, multi-car, safety device, and good student.
• Farmers Insurance discounts include business and professional, homeowner, early shopping, teen driver, multi-car, and bundle discounts.
• State Farm includes discounts for good driver, defensive driving training, multiple policy, good student, Steer Clear safe driver discount, passive restraint, and student away at school.

When quoting, ask all the companies to give you their best rates. Some of the discounts discussed earlier might not apply in every state. To choose insurance companies offering insurance discounts in Austin, follow this link.

All major car insurance companies allow consumers to get coverage price quotes directly from their websites. Getting online rates for Buick Enclave insurance in Austin is fairly simple as you simply type in your required coverages as requested by the quote form. Behind the scenes, the system automatically retrieves your credit score and driving record and provides a quote. This streamlines rate comparisons, and it's absolutely necessary to get many rate quotes in order to get the lowest car insurance rates.

To save time and find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend that you enter the insurance coverages just like they are on your policy. Doing this assures you will have rate comparison quotes for similar coverage.

The companies shown below have been selected to offer free rate quotes in Texas. If the list has multiple companies, it's highly recommended you visit as many as you can to get the cheapest price.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in garaging location in Austin which can influence insurance rates greatly.

Policy deductible comparison

One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The data tables below can help you understand how much more rates are between high and low policy deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in vehicle location which can influence rates noticeably.

Based on the above data, using a $100 deductible costs roughly $43 more each month or $516 a year than selecting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 21 months between claims, you would save more money going with the higher deductible.

Learn How to Lower Your Insurance Premiums

Consumers need to have an understanding of the rating factors that go into determining auto insurance rates. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that will entitle you to cheaper rates.

The following are most of the major factors used by companies to determine prices.

Bad credit hurts insurance prices - Your credit history is likely to be a major factor in determining premium rates. If your credit history leaves room for improvement, you could save money insuring your Buick Enclave if you improve your credit rating. People that have good credit tend to be more responsible as compared to drivers with bad credit.

Obey driving laws and save - Just one citation could increase your next policy renewal forty percent or more. Good drivers pay less for auto insurance as compared to those with violations. Drivers unfortunate enough to have careless violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.

Drive a fast car and pay more - The type of car or truck you drive makes a big difference in your premium level. The lowest premiums will normally be found when insuring economy passenger cars, but other factors influence the final cost greatly. Since the Buick Enclave is classified as a standard SUV, rates will be slightly more when compared to the average rates in Austin.

Cars with good safety ratings cost less to insure - Safer cars tend to have better insurance rates. Safer cars reduce occupant injuries and any reduction in injury severity means less money paid by your insurance company which can result in lower premiums. If the Buick Enclave is rated at a minimum four stars on Safercar.gov it is probably cheaper to insure.

Multiple policies with one company can save - Lots of insurers give lower prices to people who buy several policies from them. It's known as a multi-policy discount. If you currently are using one company, it's always a smart idea to check prices from other companies to make sure you are getting the best deal.

Never go without auto insurance - Having an insurance coverage lapse can be a sure-fire way to trigger a rate increase. Not only will you pay higher rates, not being able to provide proof of insurance will get you a revoked license or a big fine.

Liability coverage - Liability insurance will protect you if you are found liable for an accident. Your liability coverage provides legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

More traffic means higher claims - Living in areas with lower population has it's advantages when insuring your vehicles. Less people living in that area means less chance of accidents in addition to fewer liability claims. People who live in big cities regularly have more aggressive driving styles and much longer commute distances. Higher commute times means higher likelihood of an accident.

Buick Enclave historical loss data - Auto insurance companies include the past claim history for a vehicle to help set a rate to offset losses. Models that tend to have higher claim amounts or frequency will have a higher premium rate. The data below shows the actual insurance loss data for Buick Enclave vehicles.

For each coverage type, the claim amount for all vehicles averaged together is set at 100. Values under 100 are indicative of better than average losses, while values over 100 indicate higher probability of having a loss or a tendency for claims to be larger.

When to get professional advice

Keep in mind that when it comes to choosing a policy, there is no cookie cutter policy. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover if your situation could use an agent's help.

• Why do I need rental car insurance?
• Should I buy only the required Texas minimum liability coverage?
• How much liability insurance is required?
• Am I covered while delivering pizza?
• Can I cancel at any time?
• Can my babysitter drive my car?
• Will I be non-renewed for getting a DUI or other conviction?
• Is my teenager covered with friends in the car?
• Are my friends covered when driving my car?
• Is my custom stereo system covered?

If you don't know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance agents near you

A lot of people would prefer to sit down and talk to an agent and that can be a great decision A nice benefit of comparing car insurance online is the fact that drivers can get lower rates but also keep your business local. Buying insurance from local agencies is important particularly in Austin.

Once you complete this short form, your insurance data is sent to insurance agents in Austin that can provide free Austin car insurance quotes for your coverage. It's much easier because you don't need to search for an agent due to the fact that quote results will go to you directly. You'll get the best rates without a big time investment. If you need to get a comparison quote from a particular provider, you can always navigate to their website and complete a quote there.

Compare rates from both independent and exclusive car insurance agents

If you want to buy car insurance from an insurance agent, it helps to know the two different types of agents to choose from. Car insurance agents in Austin can be classified as either exclusive or independent.

Independent Car Insurance Agencies

These agents do not have single company limitations so they have the ability to put coverage through many companies and find the cheapest rate. If prices rise, they simply move your policy to a different company and you don't have to do anything.

If you need cheaper car insurance rates, we recommend you include a few independent agents to ensure the widest selection of prices.

Shown below are independent agents in Austin who may provide pricing information.

More insurance agents

Exclusive Car Insurance Agents

Agents that elect to be exclusive can only provide one company's prices and some examples include AAA, Allstate, and State Farm. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. They are highly trained on sales techniques and that allows them to sell at a higher price point.

The following is a short list of exclusive insurance agencies in Austin who can help you get price quotes.

More insurance agents

Picking a insurance agency requires you to look at more than just the bottom line cost. These are valid questions to ask:

• How long have they been in business?
• Do the agents have professional certifications like CPCU or CIC?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Are you getting all the discounts the company offers?
• How are claims handled?
• Do they write coverage based solely on cost?

After you get acceptable answers to your questions as well as an affordable premium quote, it's a good possibility that you have found an insurance agency that meets your needs to properly insure your vehicles. But keep in mind you are able to cancel your coverage at any time so don't think that you are permanently stuck with a specific agent for a certain time period.

It may be expensive, but it's not optional

Despite the fact that car insurance is not cheap in Austin, buying car insurance serves several important purposes.

• Most states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Buick has a loan, almost all lenders will make it mandatory that you have physical damage coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Buick at an extremely high rate and force you to pay the higher premium.
• Car insurance protects both your assets and your Buick. Insurance will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you have damage to your Buick as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance definitely exceed the price paid, especially if you ever need it. An average driver in America is wasting up to $865 each year so it's important to compare rates every year to help ensure money is not being wasted.

Get the best coverage at the lowest price

In this article, we presented many ways to get a better price on Buick Enclave insurance in Austin. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the most savings is with a small mutual company. Regional companies may often insure only within specific states and give better rates compared to the large companies like Allstate, GEICO and Progressive.

Cheaper auto insurance in Austin can be found online as well as from independent agents in Austin, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not provide rates over the internet and most of the time these smaller companies sell through independent agents.

More tips and info about auto insurance can be read in these articles:

• Booster Seat Ratings (iihs.org)
• What Insurance is Cheapest for Immigrants in Austin? (FAQ)
• Who Has Affordable Austin Car Insurance Quotes for 16 Year Olds? (FAQ)
• Frontal Crash Tests (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• What is Covered by GAP Insurance? (Allstate)