If saving the most money is your goal, then the best way to find affordable quotes for Buick Enclave insurance is to start comparing prices yearly from insurers who sell insurance in El Paso. Prices can be compared by completing these steps.
- Take a little time to learn about policy coverages and the changes you can make to keep rates low. Many risk factors that are responsible for high rates such as speeding and a low credit rating can be controlled by making small lifestyle or driving habit changes.
- Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like Progressive or State Farm, while independent agents can provide prices from many different companies.
- Compare the new rates to your current policy to determine if switching companies saves money. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Give proper notification to your current agent or company of your intention to cancel your current car insurance policy. Submit a signed application and payment to the newly selected company. When you receive it, put the new certificate of insurance somewhere easily accessible.
A good tip to remember is to try to use the same liability limits and deductibles on every quote and and to get rates from every insurance company. This guarantees the most accurate price comparison and a thorough selection of prices.
We don't have to tell you that auto insurance companies want to keep you from shopping around. Drivers who shop around for cheaper rates are very likely to move their business because of the high probability of finding coverage at a cheaper rate. A study discovered that people who compared price quotes annually saved an average of $860 a year compared to policyholders who never shopped around for lower prices.
If finding the lowest price on auto insurance in El Paso is why you're here, then learning a little about how to find and compare insurance rates can help make the process easier.
If you're already insured or just want cheaper coverage, use these money-saving tips to get lower rates without sacrificing coverage. The intent of this article is to teach you a little about how to get online quotes and also pocket some savings Drivers just have to use the quickest way to compare company rates from many companies at once.
These discounts can lower your auto insurance quotes
Some companies don't always publicize every available discount in an easy-to-find place, so the list below details some of the best known as well as some of the hidden ways to save on auto insurance. If you don't get every credit you qualify for, you are paying more than you should be.
- Telematics Data - People who choose to allow driving data submission to analyze driving manner through the use of a telematics system such as State Farm's In-Drive might see lower rates as long as the data is positive.
- Homeowners Savings - Being a homeowner may trigger a policy discount on auto insurance since owning and maintaining a home is proof that your finances are in order.
- Pay Early and Save - By paying your entire bill at once instead of monthly or quarterly installments you can actually save on your bill.
- Paper-free Discount - Certain auto insurance companies will give a small break simply for signing on the web.
- Drive Less and Save - Keeping the miles down on your Buick may allow you to get better prices on cars that stay parked.
- Membership in Organizations - Joining qualifying employment or professional organizations could trigger savings on your bill.
- Discount for Life Insurance - If the company offers life insurance, you could get a lower rate if you buy a life policy as well.
- Discounts for Seat Belt Usage - Drivers who require all vehicle occupants to use a seat belt can save 10% or more off the medical payments premium.
- Discount for Multiple Policies - When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
- Sign Early and Save - Select insurance companies give a discount for switching to them prior to your current Enclave insurance policy expiration. You may see this discount when you get El Paso auto insurance quotes online.
As a sidenote, most discount credits are not given to the whole policy. Most only cut individual premiums such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, insurance companies wouldn't stay in business.
The illustration below illustrates the comparison of Buick Enclave yearly insurance costs with and without discounts applied. The prices are based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, marriage, safe-driver, and homeowner discounts applied.
To see insurance companies that provide some of the discounts listed above in Texas, follow this link.
The majority of larger companies give coverage prices online. Comparing Buick Enclave insurance rates online is fairly straightforward as you just type in the coverages you want on the page. When the form is submitted, their system pulls your driving and credit reports and returns pricing information based on many factors.
Using the web to get price quotes for Buick Enclave insurance in El Paso makes it a lot easier to compare rates and it is imperative to do this in order to find a better rate.
To quickly compare pricing, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you duplicate the limits and deductibles as close as possible to your current policy. This guarantees you will have an apples-to-apples comparison based on the exact same insurance coverage.
The following companies are ready to provide price comparisons in Texas. If more than one company is shown, it's highly recommended you get price quotes from several of them in order to get a fair rate comparison.
Buick Enclave insurance rates and statistics
The coverage table below highlights detailed analysis of prices for Buick Enclave models. Learning how car insurance premiums are formulated can assist in making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $160 | $312 | $366 | $22 | $110 | $970 | $81 |
| Enclave CX AWD | $160 | $312 | $366 | $22 | $110 | $970 | $81 |
| Enclave XL 2WD | $160 | $312 | $366 | $22 | $110 | $970 | $81 |
| Enclave XL AWD | $178 | $312 | $366 | $22 | $110 | $988 | $82 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate information does not factor in vehicle location which can affect premium rates greatly.
Raise deductibles and save
One of the most common insurance questions is where to set your physical damage deductibles. The rates shown below can help illustrate the difference in cost between low and high coverage deductibles. The first data set uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Enclave CX AWD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Enclave XL 2WD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Enclave XL AWD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Enclave CX AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Enclave XL 2WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Enclave XL AWD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices substantially.
Based on this data, using a $100 deductible will cost you approximately $29 more each month or $348 each year than quoting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 14 months between claim filings, you would probably save some money if you decide on a higher deductible.
The information below highlights how deductible choice and can change Buick Enclave annual premium costs for different age groups of insureds. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Cost of full coverage in El Paso
The illustration below compares Buick Enclave annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims or driving violations, $500 deductibles, drivers are not married, and no other discounts are factored in.
Deciding between full coverage and liability only
There isn't a steadfast formula to stop buying comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let's pretend your Buick Enclave book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after you pay the deductible. If it's costing in excess of $400 annually to have full coverage, then it might be time to consider dropping full coverage.
There are a few situations where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
When to get advice from an insurance agency
Many people still prefer to visit with an insurance agent and doing so can bring peace of mind Good agents can point out coverage gaps and help submit paperwork. A nice benefit of comparing insurance online is that you can find cheap insurance quotes and still have an agent to talk to.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is submitted to insurance agents in El Paso who can give free rate quotes to get your business. You won't even need to drive around because prices are sent to you directly. If you have a need to get a comparison quote from a particular provider, don't hesitate to find their quoting web page and fill out their quote form.
Finding the right company should include more criteria than just the bottom line cost. Some important questions to ask are:
- How are claims handled?
- Where would glass claims be handled in El Paso?
- Are they primarily personal or commercial lines agents in El Paso?
- Is the agent properly licensed in Texas?
- Do they offer claims assistance after hours?
- How would your car be valued if totaled?
When searching for a local insurance agency, it's important to understand the types of insurance agents and how they function. El Paso agents can be categorized as either exclusive or independent agents depending on their company appointments. Either type can handle insurance, but it is important to understand how they are different because it may have an impact on the type of agent you choose.
Exclusive Agents
Exclusive agents can only write with one company and examples are State Farm, Allstate and AAA. They are unable to compare rates from other companies so it's a take it or leave it situation. Exclusive insurance agents are well trained in insurance sales which can be an advantage. A lot of people buy insurance from these agents mainly due to the prominence of the brand rather than low rates.
Listed below are El Paso exclusive insurance agencies who may provide you with price quotes.
- Jacobo Akle - State Farm Insurance Agent
6065 Montana Ave STE C1 - El Paso, TX 79925 - (915) 775-2553 - View Map - Eric Fierro - State Farm Insurance Agent
2200 N Yarbrough Dr c - El Paso, TX 79925 - (915) 595-3622 - View Map - Allstate Insurance: Team Rudy Ledesma Insurance Agency
6801 N Mesa St b206 - El Paso, TX 79912 - (915) 581-7200 - View Map
Independent Insurance Agencies
Agents in the independent channel can sell policies from many different companies and that allows them to write policies with lots of companies and find you the best rates. If you want to switch companies, they simply move your policy to a different company and the insured can keep the same agent.
If you are comparing rate quotes, you will definitely want to get rate quotes from multiple independent agents to have the most options to choose from. Most have the option of insuring with lesser-known insurance companies which can save you money.
Listed below is a short list of independent insurance agents in El Paso who can help you get rate quotes.
- RedRock Insurance Agency
1029 N Zaragoza Rd A - El Paso, TX 79907 - (915) 858-1400 - View Map - Colonial Insurance
1515 Lee Trevino Dr - El Paso, TX 79936 - (915) 590-4099 - View Map - Colonial Insurance Agency
7636 Gateway Blvd E - El Paso, TX 79915 - (915) 592-0999 - View Map
After you get satisfactory answers to any questions you have as well as an affordable premium quote, you have narrowed it down to an insurance agency that meets the criteria to properly insure your vehicles.
Quote often and quote early
You just learned many ideas to compare Buick Enclave insurance rates in El Paso. It's most important to understand that the more companies you get auto insurance rates for, the better chance you'll have of finding low cost El Paso auto insurance quotes. Drivers may even discover the best rates are with an unexpected company.
As you restructure your insurance plan, it's very important that you do not reduce needed coverages to save money. Too many times, an insured cut full coverage only to find out that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.
Some companies don't offer online price quotes and these regional insurance providers work with independent insurance agents. More affordable car insurance in El Paso is possible online and also from your neighborhood El Paso agents, and you need to price shop both so you have a total pricing picture.
Much more information about car insurance in Texas is located at the links below
- Cellphones, Texting and Driving (iihs.org)
- Senior Drivers (Insurance Information Institute)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)