Affordable Insurance for a Buick Enclave in Phoenix

Scraping up a payment for expensive Buick Enclave insurance in Phoenix can deplete your savings and put a big crunch on your finances. Getting a rate comparison can be a smart way to make sure you’re not throwing money away.

Insurance for Buick EnclaveUnbelievably, over 70% of consumers have purchased from the same company for at least four years, and virtually 40% of consumers have never shopped around. Most drivers in America can cut their rates by roughly 46.5% a year just by shopping around, but they assume it’s a waste of time to compare rates and save money.

Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a company to discover the definitive best rates possible on Buick Enclave insurance in Phoenix.

You should take the time to shop coverage around before your next renewal because prices are usually higher with each renewal. Just because you had the lowest quotes on Buick Enclave insurance in Phoenix on your last policy a different company probably has better rates today. There is lot of inaccurate information about Enclave insurance online, but in this article, you’re going to get some guaranteed methods to quit paying high auto insurance rates in Phoenix.

If you currently have auto insurance, you will most likely be able to cut your premiums using these techniques. Buying the cheapest auto insurance in Phoenix is quite easy if you know the best way to do it. But Arizona drivers should learn how insurance companies determine prices and use this information to your advantage.

Ways to get Buick Enclave insurance rate quotes in Phoenix, Arizona

Just remember that quoting more helps increase your odds of locating a better price.

The following companies are ready to provide free rate quotes in Phoenix, AZ. If multiple companies are shown, we suggest you compare several of them to get the best price comparison.

Buick Enclave Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $324 $676 $404 $24 $122 $1,550 $129
Enclave CX AWD $254 $450 $306 $18 $92 $1,120 $93
Enclave XL 2WD $224 $474 $338 $20 $102 $1,158 $97
Enclave XL AWD $296 $506 $308 $18 $92 $1,220 $102
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific zip code location which can decrease or increase coverage rates noticeably.

Higher deductibles lower rates

One common question asked by Phoenix drivers is where to set your physical damage deductibles. The comparison tables below approximate the price difference of buying low and high physical damage coverage deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Buick Enclave insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $292 $548 $300 $18 $90 $1,273 $106
Enclave CX AWD $292 $548 $300 $18 $90 $1,273 $106
Enclave XL 2WD $292 $548 $300 $18 $90 $1,273 $106
Enclave XL AWD $324 $548 $300 $18 $90 $1,305 $109
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Buick Enclave insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $162 $290 $300 $18 $90 $860 $72
Enclave CX AWD $162 $290 $300 $18 $90 $860 $72
Enclave XL 2WD $162 $290 $300 $18 $90 $860 $72
Enclave XL AWD $180 $290 $300 $18 $90 $878 $73
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in specific zip code location which can alter insurance rates considerably.

Based on the figures above, using a $100 deductible costs an average of $35 more each month or $420 a year than quoting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 26 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Annual premiums for males versus females

The example below shows the comparison of Buick Enclave car insurance rates for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Cheap Phoenix insurance rates with discounts

Not many people think insurance is cheap, but you may find discounts that many consumers don’t even know exist. Some of these discounts will be visible when you get a quote, but occasionally some discounts must be inquired about prior to getting the savings.Discount insurance

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Companies and some of their more popular discounts can be found below.

It’s a good idea to ask every insurance company which credits you are entitled to. Depending on the company, some discounts may not apply to policies in your state.

Five factors that influence insurance costs

A large part of saving on car insurance is knowing the different types of things that go into determining car insurance rates. If you have a feel for what influences your rates, this empowers consumers to make smart changes that may result in much lower annual insurance costs. Lots of factors are part of the equation when quoting car insurance. Some are obvious such as your driving history, but other criteria are more obscure like where you live and annual miles driven.

Insurance agents can find coverage gaps

A small number of people prefer to buy from a local agent and doing so can bring peace of mind A good thing about getting free rate quotes online is you can get lower rates and still have an agent to talk to. And buying from local insurance agencies is especially important in Phoenix.

Phoenix insurance agentsAfter filling out this short form, your insurance coverage information is instantly submitted to insurance agents in Phoenix who will give you bids for your business. There is no reason to search for any insurance agencies as quotes are delivered immediately to your email address. You can find better rates AND a local agent. If you wish to quote rates for a specific company, just go to their quote page and give them your coverage information.

If you would like to find a local Phoenix insurance agent, it’s helpful to know the different types of agents to choose from. Car insurance agents can be described as either exclusive or independent.

Independent Agents

Independent insurance agents are appointed with more than one company and that enables them to quote your coverage through lots of different companies and find you cheaper rates. If they find a cheaper price, they simply switch companies in-house without you having to go to a different agency.

When comparing car insurance rates, you should always check rates from several independent insurance agents so that you can do a thorough price comparison.

Below are independent insurance agents in Phoenix that can give you price quote information.

5628 E Thomas RdPhoenix, AZ 85018(480) 990-1900View Map

7602 S Central AvePhoenix, AZ 85042(602) 276-0002View Map

Travelers Insurance
22601 N 19th Ave #216Phoenix, AZ 85027(623) 572-0032View Map

More Phoenix agents

Exclusive Agencies

Agents that elect to be exclusive generally can only insure with one company such as American Family, State Farm, and AAA. They generally cannot provide prices from multiple companies so you need to shop around if the rates are high. They are well trained in insurance sales which aids in selling service over price.

Listed below is a list of exclusive agents in Phoenix that can give you comparison quotes.

4731 N Central AvePhoenix, AZ 85012(602) 995-9334View Map

Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103Phoenix, AZ 85035(602) 455-2886View Map

Mary Parada – State Farm Insurance Agent
3414 W Bell RdPhoenix, AZ 85053(602) 942-9202View Map

More Phoenix agents

Finding the right insurance agent requires you to look at more than just a low price. Any agent in Phoenix should be forthright in answering these questions:

Which is the best car insurance?

Keep in mind that when it comes to choosing the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. You are unique.Safe vehicles cost less to insure

These are some specific questions can help discover whether you will benefit from professional help.

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

You can find cheaper coverage

People who switch companies do it for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, poor customer service and even being labeled a high risk driver. Whatever your reason, switching companies can be easier than you think.

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at the best price.

Some auto insurance companies may not offer online quoting and many times these regional insurance providers only sell coverage through independent agents. Lower-priced Buick Enclave insurance in Phoenix can be found on the web and with local Phoenix insurance agents, and you should compare rates from both to have the best rate selection.

Additional auto insurance information is available on the following sites: