Save Money on Buick Enclave Insurance in Kansas City

Insurance for Buick EnclaveThe 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.

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.

Buick Enclave Insurance Rates in Kansas City, MO
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
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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.

Buick Enclave insurance premium rates with $250 deductibles
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
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Buick Enclave insurance premium rates with $500 deductibles
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
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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.

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.Cheaper insurance with discounts

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.

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.

Insurance agents in Kansas CityTo 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.

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

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. State Farm
  5. Liberty Mutual
  6. Allstate
  7. Safeco Insurance
  8. 21st Century
  9. Travelers
  10. 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