Compare Buick Enclave Insurance Quotes in Baltimore

If you want to save the most money, the best way to find cheaper prices for Buick Enclave insurance in Baltimore is to start comparing prices yearly from insurance carriers who sell auto insurance in Maryland.

• First, take a few minutes and learn about individual coverages and the steps you can take to lower rates. Many rating factors that increase rates such as accidents, careless driving, and an imperfect credit rating can be amended by improving your driving habits or financial responsibility.
• Second, request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple sources.
• Third, compare the price quotes to your existing rates to determine if switching companies saves money. If you find a lower rate quote, verify that coverage does not lapse between policies.

A good piece of advice is to try to compare the same coverage limits and deductibles on every price quote and and to get rates from every company you can. Doing this ensures an apples-to-apples comparison and maximum price selection.

It’s well known that car insurance companies want to keep you from comparing prices. Consumers who shop for lower prices are highly likely to switch to a new company because there are good odds of finding a cheaper policy. A recent survey revealed that drivers who compared price quotes annually saved on average $3,500 over four years compared to policyholders who never compared other company’s rates.

If finding the best rates on Buick Enclave insurance is the reason for your visit, understanding the best way to compare insurance premiums can help you be more efficient.

Auto insurance providers offering competitive rate quotes in Maryland

The companies shown below provide quotes in Baltimore, MD. If you wish to find cheap auto insurance in Baltimore, MD, we recommend you visit several of them to get the lowest price.

Coverage statistics and figures

The coverage information below covers different insurance costs for Buick Enclave models. Having knowledge of how policy rates are determined is important for drivers to make decisions on which coverage to buy.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific location which can alter coverage rates greatly.

Choosing deductibles

One of the hardest decisions when shopping for car insurance is where should you set your physical damage deductibles. The comparison tables below help summarize how much more you’ll pay between low and high insurance deductibles. The first rate table uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rates do not factor in specific Baltimore garaging location which can alter coverage prices considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $31 more each month or $372 each year averaged for all Enclave models than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claim filings, you would save more money if you decide on a higher deductible. Below is a better example of how you can make your own decision.

One big caveat is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you have a physical damage claim. It will be required that you have some savings in the event you need to pay the deductible for vehicle repair.

Age-based car insurance rates by gender in Baltimore

The example below shows the difference between Buick Enclave car insurance costs for male and female drivers. Data assumes no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no additional discounts are factored in.

Five Things That Impact Your Insurance Premiums

A large part of saving on car insurance is knowing a few of the rating criteria that help determine your policy premiums. If you understand what determines base rates, this enables informed choices that can earn you cheaper rates. Multiple criteria are taken into consideration when premium rates are determined. Some are pretty understandable such as your driving history, although others are not as apparent such as your credit history or your commute time.

The items below are just a few of the factors used by companies to determine your prices.

• Save money with theft deterrents – Selecting a car model that has a built-in theft deterrent system can save you a little every year. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms all help prevent auto theft and help lower rates.
• Extra coverages can waste money – Insurance policies have a lot of add-on coverages that can add up on your car insurance policy. Coverages for replacement cost coverage, high-cost glass coverage, and additional equipment coverage are some examples. You may think they are a good idea initially, but your money might be better spent on other coverage so eliminate them to save money.
• Raise comp and collision deductibles and save – Physical damage deductibles tell how much you are willing to pay out-of-pocket if a covered claim is submitted. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply would be rear-ending another vehicle, animal collisions, or theft of your vehicle. The more you pay before a claim is paid (deductible), the lower your rates will be.

• Car insurance rates and age – More experienced drivers tend to be more responsible, cause fewer claims and accidents, and are generally more financially stable. Young drivers have been known to be more careless in a vehicle and because of this, their car insurance rates are much higher.

  The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

• Bad driving means higher prices – Getting just one driving citation can increase rates forty percent or more. Attentive drivers tend to pay less for car insurance as compared to those with violations. People who have license-revoking tickets like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state’s department of motor vehicles in order to continue driving.

  The diagram below illustrates how speeding tickets and accidents drive up Buick Enclave insurance premiums for different insured age categories. Data assumes a married male driver, full coverage, $250 deductibles, and no discounts are factored in.

• Insurance losses for a Buick Enclave – Auto insurance companies use data from past claims when they set coverage costs for each model. Vehicles that the data shows to have higher loss trends will have higher premium rates. The table below illustrates the insurance loss data for Buick Enclave vehicles.

  For each insurance policy coverage type, the claim probability for all vehicles, as a total average, is set at 100. Numbers that are below 100 indicate a favorable loss history, while values that are above 100 point to more claims or an increased likelihood of larger losses.

  
  

  Insurance Loss Ratings for Buick Enclave Vehicles

  Specific Buick 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

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

These discounts can lower your car insurance rates

Car insurance is not cheap, but you might find some hidden discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but some discounts are required to be asked for prior to getting the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

• Senior Citizens – Seniors may qualify for a small decrease in premiums.
• Memberships – Having an affiliation with certain professional organizations could trigger savings when getting a Baltimore car insurance quote.
• Distant Student Discount – Kids who live away from home to go to college and don’t have a car may be able to be covered for less.
• Use Seat Belts – Requiring all passengers to use a seat belt can save a little off the PIP or medical payment premium.
• E-sign Discounts – A few car insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on your computer.
• Data Collection Discounts – People who choose to allow driving data collection to monitor when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they show good driving skills.
• Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.

Don’t be shocked that some credits don’t apply to the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

The example below shows the difference between Buick Enclave insurance costs with and without discounts applied to the premium. Data assumes a female driver, no claims or driving violations, Maryland state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, safe-driver, marriage, and multi-car discounts applied.

Companies and the discounts they provide are:

• 21st Century discounts include early bird, good student, driver training, automatic seat belts, and defensive driver.
• Progressive policyholders can earn discounts including online signing, continuous coverage, good student, homeowner, online quote discount, multi-vehicle, and multi-policy.
• State Farm may have discounts that include anti-theft, student away at school, multiple policy, multiple autos, good driver, and accident-free.
• Nationwide includes discounts for business or organization, Farm Bureau membership, good student, easy pay, anti-theft, and family plan.
• Esurance may include discounts for DriveSense, Switch & Save, multi-car, Pac-12 alumni, good driver, and claim free.
• The Hartford offers discounts including driver training, air bag, bundle, defensive driver, vehicle fuel type, and anti-theft.

Double check with each company which discounts you qualify for. Discounts might not be offered everywhere.

When to get advice from an insurance agent

Some people would prefer to get advice from a local agent and doing so can bring peace of mind One of the benefits of price shopping on the web is you may find the lowest rates and still buy from a local agent.

Upon completion of this quick form, your coverage information is sent to agents in your area that provide free Baltimore car insurance quotes for your coverage. It’s much easier because you don’t need to do any legwork since rate quotes are delivered straight to your inbox. You’ll get the best rates without having to waste a lot of time. If you want to compare prices for a specific company, you can always search and find their rate quote page and fill out their quote form.

Finding a good insurer shouldn’t rely on just the bottom line cost. Here are some questions to ask:

• Can you contact them at any time?
• Does the agent recommend any additional coverage?
• Are they properly licensed to sell insurance in Maryland?
• Are they able to provide referrals?
• How long have they been in business?
• Do they offer claims assistance after hours?

When narrowing the list to find an insurance agent, there are a couple of types of agencies and how they can quote your rates. Insurance agents are classified as either independent or exclusive.

Exclusive Agents

Agents that choose to be exclusive can usually just insure with one company such as State Farm or Allstate. They usually cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well schooled on their company’s products and that allows them to sell at a higher price point.

Shown below is a list of exclusive agents in Baltimore that are able to give rate quotes.

More insurance agents

Independent Agents

Independent insurance agents are not required to write business for one company so they can write business with many different companies and find you cheaper rates. If you are not satisfied with one company, they can switch companies in-house and you can keep the same agent. When comparing insurance rates, it’s recommended you compare prices from multiple independent agents in order to compare the most rates.

Below is a short list of independent insurance agents in Baltimore that are able to give price quote information.

More insurance agents

Do I just need basic coverages?

When quoting and comparing the best car insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are unique to you so your insurance should reflect that
For instance, these questions can aid in determining whether or not you will benefit from professional help.

• Do they offer discounts for home and auto coverage?
• Do I pay less for low miles?
• Should I rate my Buick Enclave as pleasure use or commute?
• What if I total my Buick Enclave and owe more than it’s worth?
• When can my company non-renew my policy?
• Is a driver training discount available?
• What is glass protection for?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

A little work can save a LOT of money

You just read many ideas to save on Buick Enclave insurance in Baltimore. The key concept to understand is the more providers you compare, the higher your chance of finding the cheapest Buick Enclave rate quotes. Drivers may even discover the lowest car insurance rates come from a small local company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. Too many times, an insured cut collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

More learning opportunities

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• Teen Driving and Texting (State Farm)
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