How to Compare Colorado Springs Buick Enclave Insurance

Insurance rates Buick Enclave in Colorado SpringsPaying 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.

  1. 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.
  2. 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.
  3. 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.

Buick Enclave Insurance Rates in Colorado Springs, CO
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.

Buick Enclave insurance prices with $100 deductibles
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

Buick Enclave insurance prices with $500 deductibles
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.

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.Cheaper car insurance with discounts

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:

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.

Insurance agents in Colorado SpringsFor 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:

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.

308 W Fillmore St #106Colorado Springs, CO 80907(719) 632-5433View Map

5731 Silverstone Terrace #120Colorado Springs, CO 80919(719) 268-9003View Map

2340 Academy Blvd NColorado Springs, CO 80909(719) 597-4330View Map

More Colorado Springs agents

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.

6455 N Union Blvd #104Colorado Springs, CO 80918(303) 974-7676View Map

125 N Parkside Dr #201fColorado Springs, CO 80909(719) 635-9557View Map

2525 W Pikes Peak Ave # CColorado Springs, CO 80904(719) 635-9720View Map

More Colorado Springs agents

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.Safe vehicles cost less to insure
Here are some questions about coverages that might point out if your situation could use an agent’s help.

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.

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