Car Insurance Rates for a Buick Enclave in San Antonio

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Insurance quote for Buick Enclave in San AntonioComparing San Antonio car insurance quotes online could seem overwhelming if you are like most people and have never completed price quotes online. Don't let the process intimidate you because comparing rates is actually very simple.

Unfortunately, most insurance policyholders kept their policy with the same company for more than four years, and virtually 40% of consumers have never compared rates to find cheap insurance. Texas insurance shoppers can cut their rates by nearly 70% a year, but most tend to underestimate the rate savings if they bought a different policy.

Best Buick Enclave insurance rates in Texas

The following companies provide free quotes in Texas. If multiple providers are shown, we recommend you visit several of them in order to get a fair rate comparison.

Buick Enclave insurance coverage information

The table displayed next outlines detailed analysis of insurance premium costs for Buick Enclave models. Having a good understanding how rate quotes are established can help guide drivers when making decisions when choosing a new policy provider.

Buick Enclave Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $318 $718 $430 $26 $128 $1,620 $135
Enclave CX AWD $318 $718 $430 $26 $128 $1,620 $135
Enclave XL 2WD $318 $718 $430 $26 $128 $1,620 $135
Enclave XL AWD $354 $718 $430 $26 $128 $1,656 $138
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific garaging location which can increase or decrease price quotes noticeably.

Physical damage deductible comparison

When buying insurance, a common question is how high should the physical damage deductibles be. The figures shown below can help illustrate the rate fluctuation of buying low and high physical damage coverage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Buick Enclave insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $370 $698 $382 $22 $114 $1,611 $134
Enclave CX AWD $370 $698 $382 $22 $114 $1,611 $134
Enclave XL 2WD $370 $698 $382 $22 $114 $1,611 $134
Enclave XL AWD $412 $698 $382 $22 $114 $1,653 $138
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Buick Enclave insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $206 $368 $382 $22 $114 $1,092 $91
Enclave CX AWD $206 $368 $382 $22 $114 $1,092 $91
Enclave XL 2WD $206 $368 $382 $22 $114 $1,092 $91
Enclave XL AWD $228 $368 $382 $22 $114 $1,114 $93
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in specific garaging location which can raise or lower auto insurance rates substantially.

Based on this data, using a $100 deductible costs an average of $43 more each month or $516 annually across all Buick Enclave models than selecting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 21 months between claims, you would more than likely save some money by selecting a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $135
Average monthly premium for $1,000 deductibles (subtract): - $92
Monthly savings from raising deductible: $43
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $43
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

The example below highlights how deductible selection and can raise or lower Buick Enclave yearly insurance costs for each different age group. The rate quotes are based on a married female driver, full coverage, and no additional discounts are factored in.

Rate difference between full and liability-only coverage

The illustration below illustrates the comparison of Buick Enclave annual premium costs with and without physical damage coverage. The premiums assume no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are factored in.

When to stop buying full coverage

There is no exact formula of when to stop paying for comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Buick Enclave book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying the physical damage deductible. If you are paying over $200 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are a few situations where dropping full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Insurance policy discounts you can't miss

Insurance can be prohibitively expensive, but you might find some hidden discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but a few must be specifically requested before you get the savings. If you aren't receiving every discount you qualify for, you could be paying more than you need to.

  • Discounts for Cautious Drivers - Safe drivers may receive a discount up to 45% compared to accident prone drivers.
  • Sign Online - Many larger companies will discount your bill up to fifty bucks shop San Antonio car insurance on their website.
  • 55 and Retired - Drivers that qualify as senior citizens are able to get reduced rates.
  • New Car Discount - Buying a new car instead of a used Enclave can cost up to 25% less since newer vehicles are generally safer.
  • Save with More Vehicles Insured - Drivers who insure primary and secondary vehicles on the same insurance policy qualifies for this discount.
  • Memberships - Having an affiliation with certain professional organizations may earn a discount on your next insurance statement.
  • Seat Belts Save - Drivers who require all occupants to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.

One thing to note about discounts is that some credits don't apply to the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like it's possible to get free car insurance, it's just not the way it works.

The illustration below shows the comparison of Buick Enclave car insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, homeowner, multi-policy, and marriage discounts applied.

Some of the larger companies that may have some of the above discounts include:

When comparing rates, check with every prospective company how you can save money. Some credits might not apply in San Antonio.

Insurance agent or online?

Many drivers still prefer to visit with an insurance agent and often times that is recommended One of the best bonuses of getting free rate quotes online is that you can obtain cheaper rates and still have an agent to talk to.

Insurance agency in San AntonioTo help locate an agent, after submitting this quick form, your coverage information is immediately sent to local insurance agents in San Antonio that can provide free San Antonio car insurance quotes and help you find cheaper coverage. You don't have to search for any insurance agencies due to the fact that quote results will go instantly to you. You'll get the best rates AND an agent nearby. If you have a need to get a comparison quote from a specific insurance company, you just need to visit that company's website and submit a quote form there.

Picking an company should depend on more than just a cheap quote. Any agent in San Antonio should be forthright in answering these questions:

  • Do they have any clout with companies to ensure a fair claim settlement?
  • Are they involved in claim handling?
  • Which family members are covered?
  • Is their price quote a firm figure or are their hidden costs?
  • Do they specialize in personal lines auto insurance in San Antonio?
  • How much experience to they have in personal lines coverages?
  • How often do they review policy coverages?
  • Did they already check your driving record and credit reports?

Exclusive agents vs. Independent agents

If you would like to find a reliable agent, you should know the different types of agencies from which to choose. Insurance agents can be classified as either independent or exclusive depending on the company they work for.

Exclusive Agencies

Agents of this type can only quote rates from one company and some examples include AAA, Allstate, and State Farm. They usually cannot shop your coverage around so they have to upsell other benefits. They receive a lot of sales training on their company's products which aids in selling service over price. Consumers frequently purchase coverage from exclusives partially due to high brand loyalty and the convenience of having a single billing for all their coverages.

Shown below are San Antonio exclusive agencies who may provide you with price quote information.

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Independent Agents

Agents of this type are appointed with more than one company so they can insure your vehicles through many different insurance companies and find you the best rates. If they find a cheaper price, the business is moved internally and that require little work on your part. When comparing insurance prices, you need to include several independent agencies to get the most accurate price comparison. Most have the option of insuring with small regional insurance companies that may have much lower rates than larger companies.

Below is a short list of independent insurance agencies in San Antonio that are able to give price quotes.

More San Antonio agents

Keep this in mind when shopping around

As you prepare to switch companies, do not buy less coverage just to save a little money. There are too many instances where someone sacrificed uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at the best cost, but don't skip important coverages to save money.

You just read a lot of ways to save on Buick Enclave insurance in San Antonio. The key thing to remember is the more you quote San Antonio car insurance, the better your chances of lowering your rates. Consumers may even find the best prices are with the smaller companies.

Cheap Buick Enclave insurance in San Antonio is definitely available on the web in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from. A few companies do not provide internet price quotes and many times these regional insurance providers only sell through independent insurance agents.

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