Cheapest Insurance for a Buick Enclave in Jersey City

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Buick Enclave insurance
Buick Enclave insurance image courtesy of QuoteInspector.com

Surprisingly, a recent survey revealed that nearly 70% of customers have stayed with the same insurance company for four years or more, and virtually 40% of consumers have never compared auto insurance rates at all. Drivers in the United States could save themselves roughly 47% a year just by shopping around, but they don't want to take the time to compare rates online.

Discount Buick Enclave insuranceIt takes a few minutes, but the best way to find better pricing on auto insurance rates in Jersey City is to begin comparing prices regularly from providers in New Jersey.

  1. Get an understanding of what is in your policy and the measures you can take to prevent rate increases. Many things that cause rate increases such as traffic violations and an unacceptable credit rating can be improved by improving your driving habits or financial responsibility.
  2. Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of companies.
  3. Compare the new rates to your current policy and see if you can save money. If you find better rates, ensure coverage does not lapse between policies.

One key aspect when comparing rates is to use the same physical damage deductibles and liability limits on each price quote and and to analyze all possible companies. This guarantees a fair price comparison and a thorough price selection.

If you have a current auto insurance policy or are shopping for new coverage, use these money-saving tips to shop for the lowest rates without having to cut coverage. Quoting and comparing the lowest-priced auto insurance in Jersey City can be fairly easy. You just have to learn the least time-consuming way to shop using one simple form.

Most companies like Progressive, GEICO, Allstate and State Farm allow consumers to get prices for coverage directly from their websites. Doing online quotes for Buick Enclave insurance in Jersey City is fairly simple as you just type in the coverages you want as detailed in the form. After the form is submitted, their system automatically retrieves credit information and your driving record and gives you a price quote.

The ability to get online price quotes for Buick Enclave insurance in Jersey City helps simplify price comparisons, and it's very important to have as many quotes as possible if you want to find the most affordable possible premiums on car insurance.

In order to find out if lower rates are available, take a look at the companies shown below. If you currently have coverage, we recommend you type in your coverages just like they are on your policy. This ensures you will have an apples-to-apples comparison for the exact same coverage.

The auto insurance companies shown below provide free rate quotes in Jersey City, NJ. To get cheaper car insurance in Jersey City, we recommend you visit two to three different companies to find the most affordable auto insurance rates.

Slash rates with these discounts on Buick Enclave insurance in Jersey City

Insuring your vehicles can cost a lot, but there could be significant discounts that can help lower your rates. Certain credits will be shown when you get a quote, but less common discounts must be asked for before you get the savings.Cheaper auto insurance with discounts

  • One Accident Forgiven - This one isn't a discount, but some companies like State Farm and GEICO permit an accident without the usual rate increase as long as you don't have any claims prior to the accident.
  • Memberships - Affiliation with a professional or civic organization could qualify you for a break on your next auto insurance statement.
  • Save with More Vehicles Insured - Drivers who insure primary and secondary vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Military Deployment Discount - Being on active duty in the military can result in better prices.
  • Renewal Discounts - Some insurance companies give discounts for buying a new policy early. It's a savings of about 10%.

As a footnote on discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn't make money that way.

The information below visualizes the comparison of Buick Enclave auto insurance rates with and without discounts applied to the policy rates. The premiums are based on a male driver, a clean driving record, no at-fault accidents, New Jersey state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, multi-car, claim-free, and homeowner discounts applied.

A few of the larger companies and some of the discounts are:

  • Progressive discounts include homeowner, good student, online signing, online quote discount, multi-vehicle, and multi-policy.
  • The Hartford may offer discounts for air bag, vehicle fuel type, bundle, anti-theft, good student, driver training, and defensive driver.
  • Mercury Insurance offers discounts including good student, good driver, professional/association, accident-free, annual mileage, anti-theft, and location of vehicle.
  • GEICO may include discounts for driver training, multi-vehicle, good student, membership and employees, and anti-lock brakes.
  • AAA has savings for good driver, multi-policy, anti-theft, education and occupation, multi-car, good student, and pay-in-full.
  • State Farm may have discounts that include multiple autos, multiple policy, Drive Safe & Save, anti-theft, good driver, passive restraint, and driver's education.

When getting a coverage quote, ask each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies everywhere. To see providers that can offer you the previously mentioned discounts in Jersey City, follow this link.

Buick Enclave insurance analysis

The table shown next outlines detailed analysis of insurance prices for Buick Enclave models. Being aware of how insurance rates are figured can aid in making smart buying decisions.

Buick Enclave Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $478 $738 $630 $38 $188 $2,072 $173
Enclave CX AWD $478 $738 $630 $38 $188 $2,072 $173
Enclave XL 2WD $478 $738 $630 $38 $188 $2,072 $173
Enclave XL AWD $532 $738 $630 $38 $188 $2,126 $177
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in Jersey City location which can raise or lower insurance rates greatly.

Should you raise deductibles?

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The following tables lay out how much more you'll pay of buying low and high deductibles. The first data set uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Buick Enclave insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $420 $738 $480 $28 $144 $1,835 $153
Enclave CX AWD $420 $738 $480 $28 $144 $1,835 $153
Enclave XL 2WD $420 $738 $480 $28 $144 $1,835 $153
Enclave XL AWD $466 $738 $480 $28 $144 $1,881 $157
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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 $258 $464 $480 $28 $144 $1,374 $115
Enclave CX AWD $258 $464 $480 $28 $144 $1,374 $115
Enclave XL 2WD $258 $464 $480 $28 $144 $1,374 $115
Enclave XL AWD $288 $464 $480 $28 $144 $1,404 $117
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in specific location which can lower or raise rates greatly.

Based on these figures, using a $250 deductible could cost the average driver approximately $38 more each month or $456 every year across all Buick Enclave models than buying the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 20 months between claims, you would most likely save money if you choose a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $250 deductibles: $154
Average monthly premium for $1,000 deductibles (subtract): - $116
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One big caveat is that raising deductibles to save money means you will have to pay more of your own money when you have a physical damage claim. That will require access to more funds in the event you need to pay the deductible to have repairs made.

The diagram below demonstrates how choosing different deductibles and can increase or decrease Buick Enclave insurance costs for different age groups. The information is based on a married female driver, full coverage, and no discounts are taken into consideration.

Gender differences in auto insurance premiums

The illustration below visualizes the comparison of Buick Enclave insurance rates for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are factored in.

Full coverage rates vs. liability-only in Jersey City

The chart below shows the comparison of Buick Enclave auto insurance rates with full physical damage coverage and with liability coverage only. The rate quotes are based on no claims or driving citations, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no specific rule to stop buying comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Buick Enclave replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after the deductible is paid. If premiums are more than $200 a year for full coverage, then it might be time to consider dropping full coverage.

There are some conditions where only buying liability is not recommended. If you still owe a portion of the original loan, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Informed Consumers Save More

When buying insurance it's important to understand the factors that help determine your premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that may result in lower rates. Many different elements are used when premium rates are determined. Some factors are common sense such as your driving history, but some are more transparent like your vehicle usage and annual miles driven.

Location can influence price - Having an address in less populated areas of the country is a positive aspect when trying to find low car insurance rates. People who live in big cities have to deal with more auto accidents and much longer commute distances. Less people corresponds to lower accident rates in addition to lower liability claims.

Prevent theft and reduce insurance rates - Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft.

Save money by eliminating extra policy coverages - There are a lot of extra coverages that you can buy on your insurance policy. Coverage for things like replacement cost coverage, high-cost glass coverage, and additional equipment coverage may be wasting your money. 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.

How old are your drivers? - Drivers with little experience have been known to be careless and easily distracted in a vehicle so insurance rates are higher. Older drivers are viewed as being more responsible, tend to cause fewer accidents, and tend to be get fewer driving tickets.

The following data is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

Getting married reduces risk - Having a spouse may save some money on your policy. It translates into being less irresponsible it has been statistically shown that married drivers tend to have fewer serious accidents.

Drive less and save - The more you drive your Buick annually the higher the price you pay to insure it. A lot of insurance companies charge rates partially by how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates than cars that get driven a lot. Having an incorrect usage rating on your Enclave may be costing you higher rates. Double check that your declarations sheet reflects annual mileage.

Low comp and collision deductibles cost more - Physical damage deductibles define how much you are willing to pay if you file a covered claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are rear-ending another vehicle, vandalism, and having a roll-over accident. The more you pay before a claim is paid (deductible), the lower your rates will be.

Buick Enclave historical loss data - Insurers take into consideration insurance loss statistics for every vehicle to help determine the price you pay. Models that tend to have a higher amount or frequency of claims will have higher rates for specific coverages. The table below illustrates the actual insurance loss data for Buick Enclave vehicles.

For each policy coverage type, the claim amount for all vehicles, without regard to make or model, is represented as 100. Numbers under 100 are indicative of better than average losses, while numbers above 100 point to more losses or an increased chance of larger losses than average.

Buick Enclave Insurance Claim Statistics
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
BETTER
AVERAGE
WORSE

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

Get rate quotes but work with a local Jersey City insurance agency

Many drivers would prefer to buy from a local agent and that is a smart decision Agents can make sure you are properly covered and help file insurance claims. The best thing about comparing insurance prices online is you may find cheap car insurance rates and still choose a local agent. And supporting local agencies is important particularly in Jersey City.

Find insurance agent in Jersey CityUpon completion of this simple form, your information is sent to insurance agents in Jersey City that provide free Jersey City auto insurance quotes for your business. You won't even need to leave your computer because quoted prices will be sent directly to you. If you have a need to get a price quote from one company in particular, just visit that company's website and give them your coverage information.

Selecting an company should depend on more than just a cheap price quote. Here are some questions to ask:

  • Do they prorate repair cost based on vehicle mileage?
  • Will one accident increase rates?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they offer claims assistance after hours?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Is there a local claims center in Jersey City?

If you receive good feedback to any questions you may have and a low price estimate, you have narrowed it down to an provider that meets your needs to service your policy. Just be aware that you have the power to cancel your coverage at any point so don't assume that you are obligated to any specific company for the full term.

The lowest rates come from being thorough

You just read quite a bit of information on how to find cheaper Buick Enclave insurance in Jersey City. The key thing to remember is the more you quote Jersey City auto insurance, the higher your chance of finding affordable Jersey City auto insurance quotes. Consumers may even find the lowest prices come from an unexpected company.

When trying to cut insurance costs, it's very important that you do not buy poor coverage just to save money. Too many times, consumers will sacrifice physical damage coverage only to find out that they should have had better coverage. Your focus should be to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

People switch companies for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, policy non-renewal or policy cancellation. No matter why you want to switch, finding a new car insurance company is pretty easy and you might even save some money in the process.

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