Affordable Insurance for a Buick Enclave in Virginia Beach

Insurance quote for Buick Enclave in Virginia BeachIf saving money is your primary concern, then the best way to get budget Buick Enclave insurance is to do a yearly price comparison from different companies that sell auto insurance in Virginia Beach. Rates can be compared by following these guidelines.

  1. Spend some time learning about car insurance and the changes you can make to keep rates in check. Many rating criteria that are responsible for high rates such as speeding tickets, accidents and a substandard credit score can be controlled by making small lifestyle or driving habit changes.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of insurance providers. Select a company
  3. Compare the new quotes to your current policy premium to see if cheaper Enclave coverage is available. 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. Give notification to your agent or company of your intent to cancel your current car insurance policy. Submit a completed application and payment to the new company. Once the paperwork is finalized, put the proof of insurance certificate with your vehicle’s registration.

The most important part of this process is to try to compare the same liability limits and deductibles on each quote request and and to get price quotes from every insurance company. This enables an apples-to-apples comparison and a good representation of prices.

Unfortunately, 70% of consumers have remained with the same car insurance company for more than four years, and nearly half have never compared rate quotes at all. Many drivers in Virginia could save themselves up to 45% a year, but they mistakenly think it’s difficult to compare rates.

The auto insurance companies shown below can provide price quotes in Virginia Beach, VA. To locate cheaper auto insurance in Virginia Beach, we recommend you visit as many as you can to get a more complete price comparison.

Buick Enclave insurance charts and tables

The coverage table displayed next outlines detailed analysis of insurance coverage prices for Buick Enclave models. Having a good understanding how insurance prices are formulated can help guide drivers when making smart choices when selecting a coverage provider.

Buick Enclave Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $208 $318 $338 $20 $100 $984 $82
Enclave CX AWD $208 $318 $338 $20 $100 $984 $82
Enclave XL 2WD $208 $318 $338 $20 $100 $984 $82
Enclave XL AWD $232 $318 $338 $20 $100 $1,008 $84
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Information does not factor in specific zip code location which can increase or decrease rates significantly.

Where to set your deductibles

One common question asked by Virginia Beach drivers is how high should the physical damage coverage deductibles be. The following tables may help to illustrate the price difference of buying low and high physical damage coverage deductibles. The first rate table uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Buick Enclave insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $224 $394 $258 $16 $78 $995 $83
Enclave CX AWD $224 $394 $258 $16 $78 $995 $83
Enclave XL 2WD $224 $394 $258 $16 $78 $995 $83
Enclave XL AWD $250 $394 $258 $16 $78 $1,021 $85
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Buick Enclave insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $138 $248 $258 $16 $78 $738 $62
Enclave CX AWD $138 $248 $258 $16 $78 $738 $62
Enclave XL 2WD $138 $248 $258 $16 $78 $738 $62
Enclave XL AWD $154 $248 $258 $16 $78 $754 $63
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in specific zip code location which can lower or raise premium rates substantially.

Using the data above, we can ascertain that using a $250 deductible costs approximately $22 more each month or $264 every year than selecting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 34 months between claims, you would probably save some money by selecting a higher deductible.

The information below shows how choosing a deductible and can impact Buick Enclave insurance costs for different age groups of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

How accidents and tickets impact rates

The chart below shows how traffic citations and at-fault fender-benders can influence Buick Enclave car insurance rates for different age groups of insureds. The premiums are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied.

Decisions You Make Can Impact Your Insurance Premiums

A large part of saving on car insurance is knowing the factors that come into play when calculating your premiums. If you understand what determines premiums, this enables you to make decisions that could result in lower premium levels. Many things are used in the calculation when pricing auto insurance. Some are obvious like your driving record, but other criteria are less apparent like your vehicle usage or your financial responsibility.

The factors shown below are some of the items used by companies to determine premiums.

High performance vehicles cost more to insure – The type of vehicle you own makes a substantial difference in your auto insurance rates. Economy passenger cars normally have pretty low rates, but other factors influence the final cost greatly.

The next chart assumes a single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. The chart compares Buick Enclave insurance rates compared to other vehicles that have different performance risks.

Uninterrupted coverage saves money – Having a lapse in insurance coverage will be a fast way to increase your renewal premiums. Not only will you pay more, not being able to provide proof of insurance could result in fines and jail time. You may then be required to prove you have insurance by filing a SR-22 with the Virginia motor vehicle department.

Safeguard your assets with liability – The liability section of your policy will protect you if you are found liable for damages caused by your negligence. It provides for a 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 do not skimp.

Consolidate policies and save money – Lots of car insurance companies afford lower prices to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, consumers should still check prices from other companies to ensure the best deal.There is a good possibility that you can save money even if you insure with multiple companies

Don’t abuse policy claims – If you are the type of insured that files lots of claims you can pretty much guarantee higher premiums or even policy non-renewal. Companies in Virginia generally give lower rates to people who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for claims that pose a financial burden.

Women tend to take less risk – Statistics have proven that females tend to be a little less risky than males. However, this does not mean men are WORSE drivers than women. Men and women are responsible for auto accidents in similar numbers, but men get into accidents with more damage. They also receive more costly citations like reckless driving and DUI.

The illustration below compares Buick Enclave insurance prices for male and female drivers. The premiums assume no accidents, no driving violations, comp and collision included, $500 deductibles, single status, and no policy discounts are applied.

Where you call home plays a part – Being located in areas with lower population has definite advantages when trying to find low car insurance rates. Drivers who live in large cities tend to have much more traffic and much longer commute distances. Less people living in that area means less chance of accidents as well as less vandalism and auto theft.

Loss probability for a Buick Enclave – Insurance companies use claims history to help set a rate to offset losses. Vehicles that historically have higher losses will have higher rates for specific coverages. The information below illustrates the loss history for Buick Enclave vehicles.

For each coverage category, the claim amount for all vehicles, as a total average, is set at 100. Values that are below 100 mean the vehicle has better than average losses, while values that are 100 or greater indicate a higher chance of having a claim or an increased chance of larger losses 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 for 2013-2015 Model Years

It may be expensive, but it’s not optional

Despite the high cost of buying insurance for a Buick Enclave in Virginia Beach, buying auto insurance serves an important purpose.

The benefits of carrying adequate insurance definitely exceed the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver overpays more than $800 each year so it’s very important to do a rate comparison every year to save money.