Affordable Insurance for a Buick Enclave in Boston

Shocking but true, the vast majority of drivers have stayed with the same insurance company for four years or more, and nearly 40% of drivers have never compared rates to find lower-cost insurance. U.S. drivers can cut their rates by roughly $850 a year by just comparing quotes, but they feel it’s too difficult to do a rate comparison.

If saving money is your primary concern, then the best way to get affordable Buick Enclave insurance is to make a habit of regularly comparing prices from providers in Boston. This can be done by following these guidelines.

1. Get a basic knowledge of what coverages are included in your policy and the things you can control to prevent high rates. Many rating criteria that cause rate increases like traffic violations, accidents, and an unacceptable credit score can be improved by paying attention to minor details.
2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive and State Farm, while independent agents can give you price quotes for many different companies.
3. Compare the quotes to your current policy premium and determine if cheaper Enclave coverage is available in Boston. If you can save money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Provide written notification to your current company to cancel your current coverage and submit a down payment along with a completed application to your new company or agent. When you receive it, safely store the certificate of insurance with the vehicle registration.

An essential thing to point out is to make sure you’re comparing the same liability limits and deductibles on every price quote and and to analyze as many different companies as possible. This helps ensure the most accurate price comparison and a complete price analysis.

If you have insurance now, you will surely be able to get lower rates using the concepts covered in this article. Buying the cheapest car insurance in Boston can be much easier if you know how to start. Nevertheless, Massachusetts drivers need to learn the way companies set your policy premium because rates fluctuate considerably.

These discounts can slash Buick Enclave insurance rates

Insurance is neither fun to buy or cheap, but there are discounts available to help bring down the price. A few discounts will be applied when you purchase, but a few need to be asked for before they will apply. If you do not check that you are getting every discount possible, you are throwing money away.

• Theft Deterrent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more on Enclave insurance in Boston.
• Discount for New Cars – Buying a new car instead of a used Enclave can get you a discount compared to insuring an older model.
• No Claim Discounts – Good drivers with no accidents pay less in comparison with drivers with a long claim history.
• Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
• Include Life Insurance and Save – Larger insurance carriers have lower rates if you buy some life insurance too.
• Multiple Vehicles – Buying a policy with multiple vehicles on the same insurance policy can get a discount for every vehicle.
• Driving Data Discount – Insureds that choose to allow data collection to look at driving patterns by using a telematic data system like Allstate’s Drivewise might get better premium rates as long as they are good drivers.
• Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off with a few insurance companies.
• Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save a little on the premium charged for medical payments and/or PIP.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you could get a free insurance policy, you aren’t that lucky.

The illustration below shows the difference between Buick Enclave insurance rates with and without discounts being applied to the rates. The prices are based on a male driver, no driving violations, no at-fault accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, multi-policy, and claim-free discounts applied.

The best insurance companies and some of the premium reductions they offer are:

• Progressive may have discounts that include continuous coverage, online quote discount, good student, homeowner, and multi-vehicle.
• The Hartford has discounts for good student, air bag, vehicle fuel type, bundle, anti-theft, and driver training.
• Mercury Insurance may offer discounts for type of vehicle, multi-car, professional/association, accident-free, good driver, and anti-theft.
• GEICO may include discounts for driver training, five-year accident-free, good student, anti-lock brakes, federal employee, and multi-vehicle.
• AAA policyholders can earn discounts including multi-car, multi-policy, good student, pay-in-full, good driver, anti-theft, and AAA membership discount.
• State Farm offers premium reductions for student away at school, safe vehicle, anti-theft, good student, Drive Safe & Save, and multiple autos.

It’s a good idea to ask all companies you are considering how you can save money. Some of the earlier mentioned discounts might not be offered in Boston.

The easiest way to compare rates for Buick Enclave insurance in Boston is to know the trick most of the larger companies actually pay money for the chance to compare their rates. To begin a comparison, all you need to do is give them rating details such as if you have a valid license, your credit rating estimate, how old drivers are, and whether your vehicle is owned or leased. That information is submitted instantly to many different companies and they return cost estimate instantly to find the best rate.

If you would like to compare rates now, click here and complete the form.

The companies shown below offer comparison quotes in Boston, MA. If your goal is to find the best cheap auto insurance in Massachusetts, it’s a good idea that you visit two to three different companies to get the best price comparison.

Statistics and details

The rate table displayed below highlights different insurance policy prices for Buick Enclave models. Understanding more about how insurance policy rates are formulated is important for making smart choices when purchasing an insurance policy.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in your specific Boston location which can impact auto insurance rates noticeably.

How high should deductibles be?

When buying car insurance, a common question is which deductibles should you choose. The tables below help summarize the premium difference when you select higher and lower comp and collision deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in vehicle location which can lower or raise rates considerably.

Based on the data above, we can derive that using a $100 deductible costs an average of $39 more each month or $468 every year than opting for the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 23 months between claim filings, you would most likely save money if you choose a higher deductible.

An important sidenote is that raising deductibles means you pay more out-of-pocket when you do file a claim. You need to have enough money stashed away in order to pay the higher deductible in order to repair your vehicle.

How violations and accidents impact rates

The illustration below demonstrates how traffic citations and at-fault accidents can drive up Buick Enclave insurance costs for each age group. The premiums assume a married female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

Yearly car insurance costs for men versus women

The example below shows the difference between Buick Enclave annual premium costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The diagram below illustrates the difference between Buick Enclave insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no tickets, no at-fault accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comprehensive and collision coverage

There is no definitive formula to eliminate physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Buick Enclave settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying your deductible. If you are paying over $200 a year for full coverage, then you might want to consider buying only liability coverage.

There are some situations where dropping full coverage is not recommended. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

You are unique and your insurance should be too

When it comes to coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are unique to you and your insurance should be unique as well.
For example, these questions might help in determining whether or not you might need an agent’s assistance.

• What is high-risk coverage and where do I buy it?
• Is water damage covered by my policy?
• Do I have any recourse if my insurance company denies a claim?
• Can I get a multi-policy discount?
• When should I remove my kid from my policy?
• Should I buy additional glass protection?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Exclusive versus independent car insurance agents

Certain consumers would rather sit down with an agent and that is recommended in a lot of cases One of the best bonuses of getting online price quotes is you may find lower auto insurance rates but also keep your business local.

After filling out this simple form, your coverage information is immediately sent to local insurance agents in Boston that give free quotes for your coverage. You won’t even need to visit any agencies because prices are sent to you instantly. Get lower rates without requiring a lot of work. If you need to get a comparison quote from a specific company, feel free to visit that company’s website and give them your coverage information.

Picking an insurance company should depend on more than just a cheap quote. Any agent in Boston should have no problem answering these questions:

• Do you have coverage for a rental car if your vehicle is in the repair shop?
• What is the financial rating for the quoted company?
• How will an accident affect your rates?
• Does the company allow you to choose your own collision repair facility?
• Are they giving you every discount you deserve?

If you’re trying to find a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents that you can choose from. Agents in Boston are categorized either exclusive or independent (non-exclusive).

Exclusive Agencies

Agents in the exclusive channel can only quote rates from one company such as AAA, Allstate, State Farm, or Farmers Insurance. They are unable to provide other company’s prices so they really need to provide good service. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

Listed below are exclusive insurance agents in Boston that are able to give rate quotes.

More insurance agents

Independent Car Insurance Agents

Agents of this type are normally appointed by many insurers and that allows them to write policies with any number of different companies and possibly get better coverage at lower prices. If they find a lower price, the business is moved internally without you having to go to a different agency. When comparison shopping, it’s a good idea to contact at a minimum one independent agency to get the most accurate price comparison.

Shown below are independent agencies in Boston that are able to give comparison quotes.

More insurance agents

After getting acceptable answers to any questions you may have as well as a affordable price, you’ve probably found an insurance agent that is professional and can service your policy. It’s important to know that it’s your policy and you can terminate your policy whenever you wish so don’t assume that you are permanently stuck with the car insurance policy indefinitely.

In the end, you can save money

Throughout this article, we presented some good ideas how to lower your Buick Enclave insurance prices in Boston. The most important thing to understand is the more rate quotes you have, the better likelihood of getting inexpensive Boston car insurance quotes. You may even discover the best prices are with some of the lesser-known companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

Cheaper auto insurance in Boston is possible both online and also from your neighborhood Boston agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who don’t offer online price quotes and many times these smaller companies work with independent agents.

To learn more, feel free to visit these articles:

• What is Full Coverage? (Allstate)
• What Car Insurance is Cheapest for Good Drivers in Boston? (FAQ)
• Who Has the Cheapest Car Insurance Quotes with Multiple Speeding Tickets in Boston? (FAQ)
• Tread Depth and Tire Safety (State Farm)
• Teen Driving and Texting (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Institute)