Paying for expensive Buick Enclave insurance in Colorado Springs can eat up your funds and make it hard to pay other bills. Comparing price quotes is recommended to lower your monthly bill.
Sadly, a large majority of consumers renewed their policy with the same company for four years or more, and just short of a majority have never shopped around. With the average premium in Colorado being $1,800, drivers could save themselves almost $605 a year, but they just feel it’s too hard to compare rate quotes online.
Steps to saving on Buick Enclave insurance in Colorado Springs
If saving money is your primary concern, then the best way to get affordable Buick Enclave insurance is to start comparing prices yearly from providers in Colorado Springs.
- Get an understanding of what coverages are included in your policy and the measures you can control to drop your rates. Many factors that drive up the price like traffic tickets, fender benders, and a poor credit score can be eliminated by paying attention to minor details. This article gives more details to help keep prices low and find possible discounts that are available.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can provide rate quotes from multiple companies.
- Compare the new rate quotes to your current policy to determine if you can save on Enclave insurance in Colorado Springs. If you find a better price and switch companies, make sure coverage does not lapse between policies.
A good piece of advice is to use identical coverages on every quote and to quote with as many auto insurance providers as possible. This guarantees an accurate price comparison and a good representation of prices.
Big companies like Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with TV and radio ads and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.
If you are paying for car insurance now, you will be able to find the best rates using the ideas presented in this article. Locating the best rates in Colorado Springs can really be easy if you know what you’re doing. Nevertheless, Colorado car owners must comprehend how big insurance companies market insurance on the web and take advantage of how the system works.
Best companies for low-cost Buick Enclave insurance in Colorado
The auto insurance companies shown below have been selected to offer comparison quotes in Colorado Springs, CO. In order to find the best cheap auto insurance in CO, we recommend you compare several of them to get the best price comparison.
Insurance coverage analysis
The information shown below outlines estimates of insurance rates for Buick Enclave models. Understanding more about how policy premiums are formulated helps drivers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $294 | $608 | $456 | $28 | $136 | $1,522 | $127 |
| Enclave CX AWD | $294 | $608 | $456 | $28 | $136 | $1,522 | $127 |
| Enclave XL 2WD | $294 | $608 | $456 | $28 | $136 | $1,522 | $127 |
| Enclave XL AWD | $328 | $608 | $456 | $28 | $136 | $1,556 | $130 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific location which can increase or decrease coverage rates considerably.
Higher deductibles lower rates
One common question asked by Colorado Springs drivers is how high or low should comp and collision deductibles be. The tables below illustrate the difference in cost when you buy lower versus higher insurance deductibles. The first table uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| Enclave CX AWD | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| Enclave XL 2WD | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| Enclave XL AWD | $380 | $644 | $352 | $20 | $106 | $1,527 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Enclave CX AWD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Enclave XL 2WD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| Enclave XL AWD | $278 | $434 | $352 | $20 | $106 | $1,190 | $99 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price information does not factor in specific location information which can impact insurance rates considerably.
Based on the above data, using a $100 deductible will cost you roughly $27 more each month or $324 for a full year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 15 months between claim filings, you would save money if you decide on a higher deductible.
How violations and accidents impact rates
The chart below demonstrates how speeding tickets and at-fault collisions can increase Buick Enclave car insurance rates for each age group. The premiums are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
Do you need full coverage?
The information below shows the difference between Buick Enclave insurance prices with full coverage compared to only the Colorado minimum liability coverage. The premiums assume no claims or violations, $250 deductibles, marital status is single, and no additional discounts are factored in.
Should you be buying full coverage?
There is no written rule that works best for making the decision to drop full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your Buick Enclave book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after you pay the deductible. If you are paying in excess of $800 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where dropping full coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in case of an accident, you should maintain full coverage.
Informed Drivers Can Lower Their Insurance Prices
An important part of buying insurance is that you know the rating factors that come into play when calculating your insurance rates. If you have a feel for what impacts premium levels, this allows you to make educated decisions that may reward you with lower premium levels.
The items below are just a few of the factors companies use to determine prices.
- Commute or pleasure use – Driving more miles in a year’s time the higher your rates will be. Almost all companies rate vehicles based upon how you use the vehicle. Cars not used for work or commuting receive better premium rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Enclave may be wasting your money. Verify your insurance policy reflects how each vehicle is driven, because it can save money.
- Protect yourself with liability – The liability coverage on your policy will protect you if you are responsible for an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
- Getting married pays dividends – Walking down the aisle may cut your premiums when buying insurance. Having a significant other demonstrates that you tend to be more financially stable and insurance companies like that married drivers get in fewer accidents.
- Low stress employer equals lower rates – Do you have a high-stress occupation? Jobs like judges, business owners, and financial analysts usually pay higher average rates in part from intense work situations and long work hours. On the flip side, occupations like scientists, athletes and performers have lower than average premiums.
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Claims statistics for a Buick Enclave – Insurers factor in historical loss data to calculate a price that will offset any claims. Models that statistically have higher frequency or amount of claims will cost more for specific coverages.
The table below shows the historical loss data for Buick Enclave vehicles. For each coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is considered to be 100. Percentage numbers below 100 suggest losses that are better than average, while numbers above 100 indicate frequent claims or statistically larger losses.
Car Insurance Loss Data for Buick Enclave Models 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Lower-cost Colorado Springs car insurance rates with discounts
Companies that sell car insurance do not list all their discounts in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find ways to save on car insurance.
- Multi-car Discount – Having all your vehicles with one company can reduce the rates for all insured vehicles.
- Pay Early and Save – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
- First Accident Forgiveness – Not really a discount, but a few companies such as Liberty Mutual, GEICO and Allstate will forgive one accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
- No Claim Discounts – Insureds who avoid accidents and claims can save substantially when compared to drivers with a long claim history.
- Club Memberships – Having an affiliation with a qualifying organization is a good way to get lower rates on your next renewal.
- Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
- Good Students Pay Less – Excelling in school may save as much as 25% on a Colorado Springs car insurance quote. The good student discount can last up to age 25.
- Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
- Responsible Drivers – Drivers without accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, car insurance companies aren’t that generous.
The diagram below compares Buick Enclave yearly insurance costs with and without policy discounts. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Colorado state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, safe-driver, multi-policy, and claim-free discounts applied.
A list of car insurance companies and a selection of discounts are:
- State Farm has discounts for good driver, accident-free, Drive Safe & Save, passive restraint, multiple autos, safe vehicle, and multiple policy.
- Liberty Mutual offers discounts including exclusive group savings, multi-car, safety features, hybrid vehicle, multi-policy, new move discount, and teen driver discount.
- American Family may include discounts for accident-free, good driver, TimeAway discount, air bags, multi-vehicle, good student, and Steer into Savings.
- Progressive may offer discounts for online quote discount, multi-policy, homeowner, online signing, good student, and multi-vehicle.
- Farmers Insurance policyholders can earn discounts including electronic funds transfer, bundle discounts, business and professional, homeowner, and mature driver.
- Auto-Owners Insurance offers discounts for anti-lock brakes, air bags, student away at school, teen driver, mature driver, multiple vehicles, and safe vehicle.
- SAFECO includes discounts for anti-theft, drive less, multi-car, bundle discounts, anti-lock brakes, teen safety rewards, and teen safe driver.
If you are trying to find affordable Buick Enclave insurance quotes, ask all companies you are considering how you can save money. A few discounts may not apply in your area. If you would like to choose from a list of companies offering car insurance discounts in Colorado, click this link.
Get rate quotes but buy from a local neighborhood Colorado Springs car insurance agent
A lot of people would rather get advice from a local agent and that can be a great decision A nice benefit of comparing rate quotes online is you can get better rates and still have an agent to talk to.
For easy comparison, once you complete this quick form, the quote information is sent to local insurance agents in Colorado Springs who will give competitive quotes for your business. It’s much easier because you don’t need to find an agent on your own because prices are sent directly to you. You can most likely find cheaper rates and work with a local agent. If you wish to compare prices for a specific company, you can always jump over to their website and submit a quote form there.
Picking the best provider needs to be determined by more than just the bottom line cost. Agents should be asked these questions:
- What company do they have the most business with?
- Where are claims handled?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Can you use your own choice of collision repair facility?
- Can they provide you with a list of referrals?
- Are they full-time agents?
Insurance agent types
If you are wanting to find a reputable agency, there are a couple of types of agencies and how they differ in how they can insure your vehicles. Agencies in Colorado Springs can either be exclusive agents or independent agents.
Exclusive Insurance Agencies
Agents that elect to be exclusive can only provide pricing for a single company such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. They are trained well in insurance sales which aids in selling service over price.
Listed below is a list of exclusive agents in Colorado Springs willing to provide price quote information.
Dave Beadles – State Farm Insurance Agent
308 W Fillmore St #106 – Colorado Springs, CO 80907 – (719) 632-5433 – View Map
Connie Slater – State Farm Insurance Agent
5731 Silverstone Terrace #120 – Colorado Springs, CO 80919 – (719) 268-9003 – View Map
American Family Insurance – Dean Skaret Agency Inc.
2340 Academy Blvd N – Colorado Springs, CO 80909 – (719) 597-4330 – View Map
Independent Insurance Agents
Agents in the independent channel are not employed by one company so they can write business with an assortment of companies and potentially find a lower price. If your premiums go up, the business is moved internally which makes it simple for you. If you need lower rates, we recommend you get quotes from at a minimum one independent agency for maximum quote selection.
Shown below are Colorado Springs independent agencies that can give you comparison quotes.
Nationwide Insurance: Jeffrey Lloyd Sudermann Agency
6455 N Union Blvd #104 – Colorado Springs, CO 80918 – (303) 974-7676 – View Map
Jensen Insurance Agency
125 N Parkside Dr #201f – Colorado Springs, CO 80909 – (719) 635-9557 – View Map
Insurance Network of Co
2525 W Pikes Peak Ave # C – Colorado Springs, CO 80904 – (719) 635-9720 – View Map
Tailor your insurance coverage to you
Always remember that when buying coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique so this has to be addressed.
Here are some questions about coverages that might point out if your situation could use an agent’s help.
- If my Buick Enclave is totaled, can I afford another vehicle?
- What is GAP insurance?
- Do I have coverage if I rent a car in Mexico?
- Am I covered if I break a side mirror?
- Can my babysitter drive my car?
- Is business equipment covered while in my vehicle?
- Do I benefit by insuring my home with the same company?
- Are there any extra discounts I can get?
If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.
In Summary
As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In many cases, someone dropped comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
We’ve covered a lot of tips how to shop for Buick Enclave insurance online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best car insurance rates are with a company that doesn’t do a lot of advertising. Some small companies often have lower premium rates on specific markets than their larger competitors like Progressive and GEICO.
How to buy low-cost Buick Enclave insurance in Colorado Springs
The best way we recommend to find cheaper quotes for auto insurance rates in Colorado Springs is to do an annual price comparison from different companies who sell insurance in Colorado. This can be done by following these guidelines.
- First, take a few minutes and learn about the coverage provided by your policy and the modifications you can make to keep rates down. Many rating criteria that drive up the price such as at-fault accidents and an imperfect credit history can be eliminated by making minor changes in your lifestyle.
- Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple sources. Get quotes now
- Third, compare the new quotes to your existing coverage to determine if switching companies saves money. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.
- Fourth, give notification to your current company of your intent to cancel your current coverage. Submit a down payment along with a completed application to your new agent or company. Immediately place the new certificate verifying coverage somewhere easily accessible.
One thing to point out is to try to use similar coverage information on each price quote and and to analyze as many companies as possible. This guarantees a fair rate comparison and a complete price analysis.
Additional insurance information can be read at the links below
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has Affordable Colorado Springs Auto Insurance Quotes for a Honda Civic? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Veterans in Colorado Springs? (FAQ)
- Who Has Affordable Colorado Springs Car Insurance for Felons? (FAQ)
- How Much is Auto Insurance for Teenagers in Colorado Springs? (FAQ)
- How Much are Auto Insurance Rates for Homeowners in Colorado Springs? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Teen Driver Statistics (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)