Are you baffled by the number of insurance companies available to you? Lot's of other drivers are too. Consumers have so many companies to choose from that it can quickly become a chore to locate the lowest prices for Buick Enclave insurance in Los Angeles. Los Angeles is the perfect city to reside in, but high insurance prices can make it nearly impossible for many drivers to keep a tight budget.
Shockingly, a large majority of insurance policyholders have purchased from the same company for a minimum of four years, and nearly 40% of drivers have never shopped around. Los Angeles drivers could save as much as 35% a year, but most just don't grasp the amount of money they would save if they replace their high priced policy.
Finding and comparing affordable car insurance coverage in Los Angeles is not as hard as you think. In essence, each driver who is looking for a better price on car insurance should get a lower-priced policy. Nevertheless, California drivers can benefit from knowing the way companies determine premium rates and use it to your advantage.
Cheaper rates with these discounts on Buick Enclave insurance in Los Angeles
Car insurance companies do not advertise the complete list of policy discounts very clearly, so the following list contains both the well known and also the lesser-known credits available to you.
- Waiver for an Accident - Not a discount per se, but companies like State Farm and GEICO may permit one accident before they charge you more for coverage as long as you don't have any claims for a certain period of time.
- Discount for Swiching Early - A few companies offer discounts for buying a new policy early. It's a savings of about 10%.
- Good Student - A discount for being a good student could provide a savings of up to 20% or more. The discount lasts until age 25.
- Telematics Discount - People who choose to allow driving data submission to track driving manner by using a telematic data system like Allstate's Drivewise could save a few bucks if they have good driving habits.
- Discount for Passive Restraints - Factory air bags can receive discounts of 20 to 30 percent.
- Anti-lock Brake Discount - Cars and trucks with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
- Paperless Signup - A few auto insurance companies provide a small discount simply for signing on the web.
- Savings for New Vehicles - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
- Service Members Pay Less - Being deployed with a military unit could qualify you for better prices.
- Club Memberships - Having an affiliation with a civic or occupational organization in Los Angeles could earn you a nice discount when shopping for auto insurance.
One thing to note about discounts is that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, it doesn't quite work that way.
The diagram below visualizes the comparison of Buick Enclave annual premium costs with and without discounts applied to the policy premium. The data assumes a female driver, no claims or violations, California 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 multi-car, marriage, homeowner, multi-policy, safe-driver, and claim-free discounts applied.
Insurance companies who may offer most of these discounts are:
When getting a coverage quote, ask all the companies to give you their best rates. Some discounts listed above might not apply in Los Angeles. For a list of insurers offering auto insurance discounts in California, click here.
The best way we recommend to compare car insurance rates for Buick Enclave insurance in Los Angeles is to know auto insurance companies have advanced systems to provide you with a free rate quote. To start a quote, the only thing you need to do is give them some information like the ages of drivers, if you're married, coverage limits, and which vehicles you own. The data is then sent to multiple car insurance providers and they respond with quotes quickly.
To start a rate quote now, click here and find out if you can get cheaper insurance in Los Angeles.
The auto insurance companies shown below offer price quotes in California. If the list has multiple companies, it's a good idea that you visit two to three different companies in order to find the lowest rates.
Buick Enclave insurance charts and tables
The rate table below outlines different insurance premium costs for Buick Enclave models. Having a good grasp of how policy rates are determined is important for making smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Enclave CX 2WD||$314||$546||$442||$26||$132||$1,460||$122|
|Enclave CX AWD||$314||$546||$442||$26||$132||$1,460||$122|
|Enclave XL 2WD||$314||$546||$442||$26||$132||$1,460||$122|
|Enclave XL AWD||$348||$546||$442||$26||$132||$1,494||$125|
|Get Your Own Customized Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in specific location which can raise or lower insurance rates substantially.
The illustration below illustrates how your deductible choice and can impact Buick Enclave premium costs for different ages of insureds. The information is based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Auto insurance prices based on gender
The diagram below shows the difference between Buick Enclave insurance premiums for male and female drivers. The rate quotes are based on no claims, a clean driving record, full coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Full coverage rates compared to liability-only
The diagram below shows the comparison of Buick Enclave insurance costs with and without full coverage. The information is based on no violations or claims, $250 deductibles, marital status is single, and no discounts are factored in.
Are you wasting money on full coverage?
There is no set rule of when to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let's assume your Buick Enclave book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying your policy deductible. If you are paying over $400 annually for physical damage coverage, then it could be time to drop full coverage.
There are some situations where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not buy liability only.
Buy Cheap Car Insurance with These Tips
One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that help determine the level of your policy premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that could help you find cheaper rates. Many things are considered when quoting car insurance. Some are obvious like an MVR report, although others are not quite as obvious such as your marital status and annual miles driven.
The factors shown below are a partial list of the pieces car insurance companies consider when setting your rates.
Married drivers pay lower premiums - Getting married actually saves money when buying car insurance. Marriage is viewed as being more mature than a single person and statistics show being married results in fewer claims.
Alarm systems save money - Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder vehicle theft.
Save by driving vehicles with better crash test results - Vehicles with good safety scores are cheaper to insure. Safer cars result in less severe injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Buick Enclave scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Traffic violations are costly - Careful drivers pay lower auto insurance prices as compared to careless drivers. Even a single chargeable violation may cause rates to rise twenty percent or more. Drivers who have received careless citations like DWI, reckless driving or hit and run convictions might be required by their state to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
The diagram below highlights how speeding tickets and fender-benders can influence Buick Enclave car insurance costs for each age group. The costs are based on a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.
Buick Enclave insurance claim data - Auto insurance companies use past loss statistics for each vehicle to determine a price that will be profitable for them. Vehicles that the data determines to have higher claim amounts or frequency will cost more for specific coverages. The table below outlines the insurance loss data used by companies for Buick Enclave vehicles.
For each coverage category, the claim amount for all vehicles, as a total average, equals 100. Values that are under 100 suggest a positive loss record, while values that are 100 or greater indicate more frequent losses or an increased probability of a larger loss.
|Make and 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 IIHS.org for 2013-2015 Model Years
When should I discuss my situation with an agent?
When buying coverage online or from an agent for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else's.
For example, these questions could help you determine if your insurance needs would benefit from professional advice.
- When should my teen driver be added to my policy?
- How much coverage applies to personal belongings?
- What is motorclub and do I need it?
- Are rental cars covered under my policy?
- Do I benefit by insuring my home with the same company?
- Does my medical payments coverage pay my health insurance deductible?
- Does having multiple vehicles earn me a discount?
- Do I have any recourse if my insurance company denies a claim?
- What does PIP insurance cover?
- What policy terms are available?
If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.
Can't I compare rate quotes from local Los Angeles insurance agents?
Many drivers just want to sit down and talk to an agent and that can be a smart move One of the benefits of comparing rate quotes online is that drivers can save money and get lower rates and still have a local agent. Buying insurance from local agents is definitely important in Los Angeles.
To make it easy to find an agent, after completing this short form, your insurance coverage information gets sent to companies in Los Angeles that can give you free Los Angeles auto insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to leave your house because quoted prices will be sent straight to your inbox. You can most likely find cheaper rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from a specific company, don't hesitate to find their quoting web page and give them your coverage information.
Exclusive and independent Los Angeles car insurance agents
If you're trying to find a reliable insurance agent, it helps to know the two different agency structures and how they are slightly different. Auto insurance agents in Los Angeles can be described as either exclusive or independent (non-exclusive).
Independent Auto Insurance Agents (or Brokers)
Independent insurance agents are not locked into one company so they have the ability to put coverage with an assortment of companies and find you the best rates. If premiums increase, they simply move your policy to a different company and that require little work on your part. If you need lower rates, it's a good idea to include a few independent agents to get the most accurate price comparison. Most also write with mutual insurance companies who may have lower rates.
The following is a small list of independent insurance agents in Los Angeles that can give you free rate quotes.
- Malcom Brown Insurance Agency
2861 Robertson Blvd - Los Angeles, CA 90034 - (310) 280-0946 - View Map
- Sean Paul Insurance Agency
3101 Silver Lake Blvd - Los Angeles, CA 90039 - (323) 667-9180 - View Map
- Ken Donaldson Insurance Agency
6108 Venice Blvd - Los Angeles, CA 90034 - (310) 451-4943 - View Map
Agents in the exclusive channel generally can only insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents are well trained on their company's products which helps them sell insurance even at higher premiums. A lot of people use the same exclusive agent partially due to the prominence of the brand rather than low price.
Shown below is a short list of exclusive insurance agents in Los Angeles that can give you price quote information.
- Laura Mora - State Farm Insurance Agent
5858 N Figueroa St a - Los Angeles, CA 90042 - (323) 478-9346 - View Map
- Gregory Kim - State Farm Insurance Agent
3580 Wilshire Blvd #130 - Los Angeles, CA 90010 - (213) 365-2071 - View Map
- Allstate Insurance: Carmina San Jose
628 N Vermont Ave Ste 12 - Los Angeles, CA 90004 - (213) 383-5120 - View Map
Finding the right car insurance agent should depend on more than just the premium amount. These questions are important to ask:
- How does the company pay claims for a total loss?
- Do they get paid more for recommending certain coverages?
- Do they review policy coverages at every renewal?
- Are they full-time agents?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Which members of your family are coverage by the policy?
- How experienced are they in personal risk management?
- Is the agent and/or agency licensed to do business in California?
Auto insurance is not optional
Even though Los Angeles Enclave insurance rates can get expensive, auto insurance may be mandatory for several reasons.
First, the majority of states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability insurance coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your car with a loan, almost all lenders will stipulate that you buy insurance to guarantee loan repayment. If you default on your policy, the lender may insure your Buick for a much higher rate and force you to pay for it.
Third, insurance safeguards not only your vehicle but also your financial assets. Insurance will pay for many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If you have damage to your Buick as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance more than offset the price you pay, especially if you ever need it. An average driver in America overpays more than $830 a year so it's important to compare rates at least once a year to ensure rates are inline.
Find affordable auto insurance rates by comparing often
While you're price shopping online, don't be tempted to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.
Consumers switch companies for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, denial of a claim and even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.
Discount Buick Enclave insurance in Los Angeles can be bought on the web and from local agencies, so get free Los Angeles auto insurance quotes from both of them to have the best rate selection. Some insurance providers do not provide rates over the internet and many times these smaller companies only sell coverage through independent insurance agencies.
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