The best way we recommend to get affordable Buick Enclave insurance is to regularly compare prices from companies that insure vehicles in Kansas City. You can compare prices by following these steps.
First, spend some time learning about what coverages are included in your policy and the measures you can control to prevent rate increases. Many factors that result in higher prices such as at-fault accidents, speeding tickets, and an imperfect credit score can be eliminated by making minor changes to your lifestyle.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while independent agencies can provide rate quotes from multiple insurance companies. Select a company
Third, compare the price quotes to your existing coverage and see if there is a cheaper rate. If you find a lower rate quote and make a switch, verify that coverage does not lapse between policies.
One key aspect when comparing rates is to try to use the same amount of coverage on every quote request and and to get price quotes from all possible companies. Doing this provides a fair rate comparison and the best rate selection.
It goes without saying that auto insurance companies don’t want customers comparing rates. Insureds who shop around for the cheapest rate are likely to buy a new policy because there is a great chance of finding lower prices. A study discovered that consumers who shopped around every year saved an average of $860 a year as compared to drivers who never shopped for cheaper rates.
If finding the lowest price on car insurance is your target objective, then knowing the best way to compare coverage rates can make it simple to find affordable coverage.
Learn How to Lower Your Insurance Costs
Lots of factors are taken into consideration when quoting car insurance. Some factors are common sense like an MVR report, but others are not as apparent such as your credit history or your vehicle rating.
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Costs also based on gender – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that females are better at driving than males. They both tend to get into fender benders at a similar rate, but males get into accidents with more damage. Men also statistically get more serious tickets like DWI (DUI) or reckless driving.
The chart below compares Buick Enclave insurance prices for male and female drivers. The premiums are based on no accidents or driving violations, comp and collision included, $100 deductibles, single marital status, and no other discounts are factored in.
- High deductibles cost less – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Examples of covered claims could be running into the backend of another car, hitting a deer, or theft. Deductibles for physical damage tell how much the insured will be required to pay before a claim is paid by your company. The more damage repair cost you have to pay, the less your company will charge you for insurance.
- Proper usage rating affects costs – The more miles you rack up on your Buick in a year the higher your rates will be. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars that sit idle most of the time receive lower rates than vehicles that are driven to work every day. Verify your auto insurance coverage is showing the correct usage, because it can save money. An improperly rated Enclave may be wasting your money.
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Expect high rates for teens – Older, more experienced drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and usually have better credit. Youthful drivers tend to get distracted easily behind the wheel so auto insurance rates are higher.
The next chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Rates may be lower depending on your vocation – Occupations such as judges, business owners, and emergency personnel tend to pay higher average rates due to job stress and long work days. On the other hand, careers such as professors, students and retirees have lower than average premiums.
- Add-on coverages push up prices – There are a ton of extra add-on coverages that sound like a good idea at the time when buying auto insurance. Things like coverage for rental cars, high-cost glass coverage, and additional equipment coverage are some examples. The coverages may be enticing when deciding what coverages you need, but if they’re wasting money get rid of them and save.
- Buy a safe car and pay less – Vehicles with high crash test scores get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer injuries translates directly to fewer claims which can mean better rates for you. If the Buick Enclave has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
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Traffic violations can be expensive – A bad driving record impacts your car insurance rates tremendously. Having a single speeding ticket can boost insurance rates by twenty percent. Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Drivers who have gotten flagrant citations like DUI or willful reckless driving may need to prove financial responsibility with the DMV in their state in order to legally drive.
The illustration below shows how violations and at-fault accidents can drive up Buick Enclave insurance prices for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
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Buick Enclave insurance loss probability – Car insurance companies analyze historical claim data in order to profitably underwrite each model. Vehicles that have higher losses will cost more to insure. The information below illustrates the compiled insurance loss statistics for Buick Enclave vehicles.
For each type of coverage, the claim amount for all vehicles as a whole is equal to 100. Values below 100 suggest a better than average loss history, while values that are above 100 point to more losses or statistically larger claims.
Insurance Loss Ratings for Buick Enclave Vehicles Vehicle 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 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Affordable Kansas City Buick Enclave insurance
When shopping for Buick Enclave insurance in Kansas City there are multiple ways to compare prices from different companies. The best method to compare rates is to perform an online rate comparison.
It’s important to know that comparing more quotes will enable you to find the best price.
The following companies are our best choices to provide free quotes in Kansas City, MO. If multiple companies are listed, we suggest you visit two to three different companies to find the most competitive car insurance rates.
Buick Enclave coverage statistics
The information shown below showcases different insurance costs for Buick Enclave models. Learning more about how rates are calculated can be of help when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $294 | $488 | $348 | $20 | $104 | $1,254 | $105 |
| Enclave CX AWD | $294 | $488 | $348 | $20 | $104 | $1,254 | $105 |
| Enclave XL 2WD | $294 | $488 | $348 | $20 | $104 | $1,254 | $105 |
| Enclave XL AWD | $328 | $488 | $348 | $20 | $104 | $1,288 | $107 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in garaging location in Kansas City which can affect rates significantly.
Deductible analysis
When shopping for car insurance, a common question is what deductibles to buy. The comparisons below can help show the differences in price when you choose different physical damage coverage deductibles. The first table uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Enclave CX AWD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Enclave XL 2WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Enclave XL AWD | $258 | $408 | $266 | $16 | $80 | $1,053 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Enclave CX AWD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Enclave XL 2WD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Enclave XL AWD | $210 | $330 | $266 | $16 | $80 | $902 | $75 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate information does not factor in your specific Kansas City location which can alter prices noticeably.
Based on these figures, using a $250 deductible costs an average of $13 more each month or $156 annually averaged for all Enclave models than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 19 months between claim filings, you would more than likely save some money if you elect the higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $87 |
| Average monthly premium for $500 deductibles (subtract): | – $74 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
An important thing to remember is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you file a claim. You will want to have some extra funds in the event you need to pay the higher deductible in order to repair your vehicle.
Buick Enclave liability-only versus full coverage
The information below visualizes the comparison of Buick Enclave car insurance costs when comparing full coverage to state minimum liability only. The premiums are based on no violations or claims, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
When to stop paying for full coverage
There isn’t a written rule for eliminating physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Buick Enclave book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after the deductible is paid. If you are paying more than $800 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are some conditions where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Three reasons car insurance is important
Despite the fact that car insurance is not cheap in Kansas City, paying for car insurance may be required for several reasons.
- Just about all states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability in order to be legal. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your vehicle, almost all lenders will require you to buy insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Buick at a significantly higher premium and require you to pay much more than you were paying before.
- Car insurance protects your car and your assets. It will also cover many types of medical costs incurred in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your car is damaged in a storm or accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of insuring your Enclave are without a doubt worth the cost, especially for larger claims. Unknowingly, the average driver is currently overpaying as much as $810 a year so it’s recommended you shop around at least once a year to ensure rates are inline.
Score discounts to get cheaper Kansas City insurance quotes
Insurance is not an enjoyable expense, but companies offer discounts that can drop the cost substantially. Most are applied at the time of purchase, but less common discounts must be specifically requested before you will receive the discount.
- Drivers Ed for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
- Sign Early and Save – A few insurance companies give discounts for buying a policy prior to your current Enclave insurance policy expiration. You could save around 10% when you buy Kansas City auto insurance online.
- Military Rewards – Being on active deployment in the military could be rewarded with lower rates.
- Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts up to age 25.
- Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
- Life Insurance Discount – Some companies give better rates if you take out life insurance.
- Save over 55 – Drivers that qualify as senior citizens may receive a slight reduction on a Kansas City auto insurance quote.
- No Accidents – Drivers with accident-free driving histories can save substantially as opposed to drivers who are more careless.
While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, you’re out of luck. But all discounts should help reduce your policy premiums.
The diagram below compares Buick Enclave insurance costs with and without discounts applied. The data is based on a female driver, no claims or driving citations, Missouri state minimum liability limits, comp and collision included, 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, claim-free, homeowner, and multi-car discounts applied.
A list of companies and a selection of discounts are included below.
- State Farm may have discounts that include Drive Safe & Save, accident-free, driver’s education, safe vehicle, multiple autos, good driver, and anti-theft.
- American Family may include discounts for bundled insurance, multi-vehicle, mySafetyValet, good student, air bags, early bird, and defensive driver.
- AAA may offer discounts for AAA membership discount, pay-in-full, anti-theft, multi-policy, education and occupation, and multi-car.
- GEICO has savings for military active duty, good student, five-year accident-free, air bags, and seat belt use.
- Mercury Insurance offers discounts for good driver, multi-car, accident-free, low natural disaster claims, good student, and annual mileage.
- Farmers Insurance discounts include distant student, youthful driver, pay in full, alternative fuel, early shopping, electronic funds transfer, and mature driver.
- Progressive has discounts for online quote discount, continuous coverage, online signing, multi-vehicle, and homeowner.
If you are trying to find low cost Kansas City auto insurance quotes, ask each company what discounts are available to you. Discounts may not be available in every state. To see providers who offer insurance discounts in Missouri, click here to view.
Shop online but buy locally
Some consumers prefer to talk to a local agent and doing so can bring peace of mind The best thing about getting free rate quotes online is you can get the lowest rates and also buy local. Supporting local agencies is definitely important in Kansas City.
To find an agent, once you fill out this simple form, your insurance coverage information is submitted to local insurance agents who will give you bids for your insurance coverage. There is no reason to find an agent as quotes are delivered straight to your inbox. It’s the lowest rates without a big time investment. If you need to compare rates from a specific company, you can always navigate to their website to submit a rate quote request.
Deciding on an company needs to be determined by more than just a low price. Here are some questions you might want to ask.
- Is there a Errors and Omissions policy in force?
- Do they review policy coverages at every renewal?
- How long has their agency been in business in Kansas City?
- Does the company allow you to choose your own collision repair facility?
- What insurance companies do they recommend if they are an independent agent?
- What insurance companies do they work with in Kansas City?
- Are they full-time agents?
- Do they have cheaper tiers of coverage?
How to find a good Kansas City car insurance company
Picking the right insurer is hard considering how many companies sell coverage in Kansas City. The company information shown below can help you select which car insurance providers to look at putting your business with.
Top 10 Kansas City Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
Quote often and quote early
Cheaper car insurance in Kansas City is possible from both online companies as well as from insurance agents, so you need to quote Kansas City auto insurance with both so you have a total pricing picture. A few companies do not provide price quotes online and usually these regional carriers sell through independent agencies.
When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. There are many occasions where an insured dropped liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your aim should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.
Insureds switch companies for many reasons like poor customer service, policy cancellation, delays in paying claims or an unsatisfactory settlement offer. Whatever your reason, switching companies is easier than you think.
Additional information
- How do I File a Claim? (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for a Honda CR-V in Kansas City? (FAQ)
- Who Has Cheap Kansas City Car Insurance Quotes for Police Officers? (FAQ)
- Who Has Cheap Kansas City Auto Insurance Quotes for a Ford Escape? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Kia Optima in Kansas City? (FAQ)
- Who Has the Cheapest Auto Insurance for a Subaru Impreza in Kansas City? (FAQ)
- Who Has Affordable Car Insurance Rates for Immigrants in Kansas City? (FAQ)
- What Car Insurance is Cheapest for a Nissan Rogue in Kansas City? (FAQ)
- What Insurance is Cheapest for Low Credit Scores in Kansas City? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)
- Collision Insurance Coverage (Nationwide)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)