Locating low-cost insurance for your Buick Enclave in Indiana can turn out to be a lot of work, but you can learn these tips to make it easier.
There are more efficient ways to shop for insurance so you're going to learn the absolute fastest way to compare rates for a Buick and find the best price possible from both online companies and Evansville agents.
Shockingly, nearly 70% of consumers kept their policy with the same company for over three years, and 38% of drivers have never even compared rates from other companies. American drivers could save up to 47% each year by just comparing rate quotes, but they just feel it's too hard to do a rate comparison.
The providers in the list below are ready to provide free rate quotes in Indiana. If multiple providers are shown, we recommend you visit several of them to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Enclave CX 2WD||$172||$358||$318||$18||$94||$960||$80|
|Enclave CX AWD||$172||$340||$318||$18||$94||$942||$79|
|Enclave XL 2WD||$190||$366||$270||$16||$80||$922||$77|
|Enclave XL AWD||$166||$312||$340||$20||$102||$940||$78|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in Evansville location which can influence price quotes greatly.
Higher deductibles lower rates
The example below shows how different deductible levels and can impact Buick Enclave insurance costs for different insured age categories. The costs are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
Affordable rates on Buick Enclave insurance in Evansville with these discounts
Companies that sell car insurance don't list their entire list of discounts in a way that's easy to find, so we researched a few of the more common and the harder-to-find discounts that you may qualify for.
- Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a lower auto insurance rate if you buy life insurance from them.
- Driver Training Discounts - Successfully completing a safe driver class could possibly earn you a 5% discount and easily pay for the cost of the class.
- Organization Discounts - Belonging to qualifying clubs or civic groups may earn a discount when getting a Evansville car insurance quote.
- Good Driver Discounts - Drivers who avoid accidents can pay as much as 50% less than their less cautious counterparts.
- Discount for Multiple Policies - If you can bundle your auto and homeowners insurance and place coverage with the same company they may give you a discount of as much as 10 to 15 percent.
Drivers should understand that most of the big mark downs will not be given the the whole policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears it's possible to get free car insurance, you're out of luck.
To locate insurance companies that offer many of these discounts in Evansville, click here to view.
Comparing rates from local Evansville insurance agents
A small number of people just want to buy from a licensed agent and doing so can bring peace of mind Professional insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of getting online price quotes is the fact that you can find lower prices and still have an agent to talk to. Supporting local insurance agencies is important particularly in Evansville.
To help locate an agent, after submitting this form (opens in new window), the coverage information is emailed to participating agents in Evansville who will return price quotes for your insurance coverage. There is no reason to contact any insurance agencies since price quotes are sent to you. If you need to get a price quote from a particular provider, you would need to visit that company's website and fill out their quote form.
When researching a local insurance agency, you need to know there are two different types of agents and how they operate. Insurance agents are considered either exclusive agents or independent agents. Both can handle insurance, but we need to point out the difference in how they write coverage since it could factor into your selection of an agent.
Independent Insurance Agents
These type of agents do not work for one specific company so they can write business through many companies and find you cheaper rates. If premiums increase, they simply switch companies in-house and you can keep the same agent.
When comparison shopping, we recommend you include price quotes from at least one independent agent for maximum quote selection. Many independent agencies also insure through different regional companies which may have better rates.
The following are Evansville independent agencies that may be able to give free rate quotes.
- Jason Wright Insurance Agency LLC
417 N Weinbach Ave #104 - Evansville, IN 47711 - (812) 402-9008 - View Map
- Crosspointe Insurance Advisors
401 SE 6th St #106 - Evansville, IN 47708 - (888) 788-1565 - View Map
- Acceptance Auto Insurance
3200 N St Joseph Ave Ste D - Evansville, IN 47720 - (812) 425-2024 - View Map
Exclusive Insurance Agents
Agents of this type can usually just insure with one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to provide other company's prices so always compare other rates. These agents are well schooled on their company's products which helps them sell insurance even at higher premiums. Consumers often use the same agent mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below are exclusive insurance agents in Evansville that are able to give price quotes.
- Allstate Insurance: Sam Williams
600 N Weinbach Ave Ste 420 - Evansville, IN 47711 - (812) 477-5599 - View Map
- Indiana Farm Bureau Insurance
445 N Cross Pointe Blvd # 120 - Evansville, IN 47715 - (812) 479-9902 - View Map
- Farmers Insurance
999 Kenmore Dr - Evansville, IN 47714 - (812) 476-2224 - View Map
Picking the best insurance agent needs to be determined by more than just the premium amount. These are some questions you should get answers to.
- Is the agency involved in supporting local community causes?
- Will you work with the agent or an assistant?
- Do they prorate repair cost based on vehicle mileage?
- Will the company cover a rental car if your car is getting fixed?
- Does the agency provide any after hours assistance?
- Where would glass claims be handled in Evansville?
- Do they make recommendations based only on price?
- Is there a Errors and Omissions policy in force?
It's not one size fits all
When selecting the right insurance coverage, there really isn't a "best" method to buy coverage. You are unique and your policy should reflect that. Here are some questions about coverages that can aid in determining if your insurance needs could use an agent's help.
- Am I covered if I hit my neighbor's mailbox?
- Does my policy cover me when driving someone else's vehicle?
- Do I have coverage if I rent a car in Mexico?
- Can I rate high risk drivers on liability-only vehicles?
- Are rental cars covered under my policy?
- What are good deductibles for a Buick Enclave?
If you can't answer these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.
Smart Buyers Can Cut Insurance Costs
Many factors are used when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but some are more transparent such as your credit history or your commute time. Smart consumers have a good feel for the different types of things that help calculate your car insurance rates. When you know what positively or negatively determines premiums, this enables you to make decisions that will entitle you to lower car insurance prices.
Adjust coverage deductibles and save - The deductibles state the amount of money you are required to spend in the event of a claim. Protection for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Examples of some claims that would be covered are colliding with a stationary object, hail damage, and damage caused by road hazards. The more money you're willing to pay, the less your company will charge you for insurance.
Gender is a factor - Over the last 30 years, statistics show women tend to be less risk to insure than men. However, don't assume that men are WORSE drivers than women. They both get in auto accidents at about the same rate, but the male of the species have accidents that have higher claims. Not only that, but men also get more serious tickets like reckless driving and DUI.
Job reflects on premiums - Careers such as military generals, air traffic controllers, and miners are shown to have higher rates than average because of job stress and incredibly demanding work hours. Conversely, careers like actors, engineers and homemakers receive lower rates.
Lower rates for cars with good safety ratings - Vehicles with high crash test scores tend to have better insurance rates. These vehicles reduce the chance of injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Buick scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Discounts for auto and home policies - Lots of car insurance companies apply discounts to clients who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, drivers will still want to get quotes from other companies to ensure the best deal. You may still find lower rates by buying car insurance from a different company.
Use credit responsibly and save - An insured's credit score is a big factor in determining what you pay for car insurance. Drivers with very high credit ratings tend to be more responsible as compared to drivers with lower credit ratings. If your credit history is not that good, you could save money insuring your Buick Enclave by improving your credit score.
Protect yourself with liability coverage - The liability section of your policy will protect you if ever a jury decides you are liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense to defend your case. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
Insurance losses for a Buick Enclave - Insurance companies use past loss statistics for each vehicle when setting premium rates. Models that have higher claim amounts or frequency will cost more for coverage. The table below demonstrates the historical loss data for Buick Enclave vehicles.
For each coverage category, the claim probability for all vehicles, regardless of make, model or trim level, is a value of 100. Numbers below 100 indicate better than average losses, while values that are above 100 point to more frequent losses or a tendancy for losses to be larger than average.
Buick Enclave Insurance Loss Statistics
|Vehicle 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
Buying the right Enclave insurance in Indiana is an important decision
Even though Evansville Enclave insurance rates can get expensive, insuring your vehicle is mandatory in Indiana but it also protects more than you think.
First, the majority of states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability coverage in order to license the vehicle. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your car has a loan, most lenders will stipulate that you have physical damage coverage to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the bank may buy a policy for your Buick for a lot more money and force you to pay the higher premium.
Third, insurance protects not only your Buick Enclave but also your assets. It will also reimburse you for many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance will also pay to defend you if you are sued as the result of an accident. If you have damage to your Buick as the result of the weather or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of having insurance outweigh the cost, especially for larger claims. As of last year, the average driver in Indiana is currently overpaying as much as $750 every year so we recommend shopping around at every policy renewal to save money.
Persistence is the key to cheap rates
Throughout this article, we presented a lot of techniques to compare Buick Enclave insurance premium rates in Evansville. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even discover the lowest premium rates are with a company that doesn't do a lot of advertising. Some small companies may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.
As you restructure your insurance plan, it's not a good idea to skimp on critical coverages to save a buck or two. In too many instances, an insured cut full coverage to discover at claim time they didn't purchase enough coverage. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.
Much more information about insurance in Indiana is available at these links:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for College Graduates in Indiana? (FAQ)
- What Insurance is Cheapest for State Employees in Indiana? (FAQ)
- Who Has Cheap Car Insurance for a Company Car in Indiana? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Event Data Recorders FAQ (iihs.org)
- Safety Belts FAQ (iihs.org)