Auto Insurance Rates for a Buick Enclave in Chula Vista

If your goal is the lowest price, then the best way to find cheaper prices for Buick Enclave insurance is to do an annual price comparison from insurers who sell auto insurance in Chula Vista. Drivers can shop around by completing these steps.

The key thing to know about shopping around is to try to compare the same physical damage deductibles and liability limits on each price quote and and to look at as many auto insurance providers as possible. Doing this guarantees a level playing field and a complete selection of prices.

Discount Buick Enclave insuranceIt’s safe to conclude that auto insurance companies don’t want policyholders to compare prices from other companies. Insureds who compare rates annually will most likely switch auto insurance companies because the odds are good of finding a more affordable policy. A recent survey discovered that drivers who routinely shopped for cheaper coverage saved approximately $865 a year compared to those who never compared other company’s rates.

If finding the cheapest rates on Buick Enclave insurance in Chula Vista is your goal, then having a grasp of the best ways to shop for coverage rates can help you succeed in finding affordable rates.

This information will instruct you on the best way to buy inexpensive auto insurance and how you can save the most money. If you currently have auto insurance, you should be able to get lower rates using the ideas covered in this article. But California drivers can benefit by having an understanding of how companies charge you for coverage.

Companies offering Buick Enclave insurance in California

The companies shown below are ready to provide comparison quotes in California. If multiple companies are listed, it’s highly recommended you visit several of them to get a more complete price comparison.

Premium rates and analysis

The table displayed below highlights a range of coverage prices for Buick Enclave models. Learning as much as possible about how auto insurance policy rates are calculated can benefit drivers when making informed purchases.

Buick Enclave Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $370 $792 $464 $28 $138 $1,792 $149
Enclave CX AWD $370 $792 $464 $28 $138 $1,792 $149
Enclave XL 2WD $370 $792 $464 $28 $138 $1,792 $149
Enclave XL AWD $412 $792 $464 $28 $138 $1,834 $153
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific garaging location which can influence coverage prices significantly.

Insurance deductibles

A question often asked by Chula Vista drivers is which comprehensive and collision deductibles to buy. The comparison tables below can help show the differences in price between high and low physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.

Buick Enclave insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $430 $810 $442 $26 $132 $1,865 $155
Enclave CX AWD $430 $810 $442 $26 $132 $1,865 $155
Enclave XL 2WD $430 $810 $442 $26 $132 $1,865 $155
Enclave XL AWD $478 $810 $442 $26 $132 $1,913 $159
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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 $314 $546 $442 $26 $132 $1,460 $122
Enclave CX AWD $314 $546 $442 $26 $132 $1,460 $122
Enclave XL 2WD $314 $546 $442 $26 $132 $1,460 $122
Enclave XL AWD $348 $546 $442 $26 $132 $1,494 $125
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific location which can decrease or increase insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $33 more each month or $396 a year across all Buick Enclave models than opting for the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have more than 12 months between claim filings, you would come out ahead if you opt for a higher deductible. The numbers below show how you can make your own decision.

Average monthly premium for $100 deductibles: $156
Average monthly premium for $500 deductibles (subtract): – $123
Monthly savings from raising deductible: $33
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

One big caveat is that raising deductibles to save money results in a higher out-of-pocket expense if you have a claim. You must have enough savings in the event you need to pay the higher deductible.

The information below demonstrates how choosing different deductibles and can impact Buick Enclave yearly insurance costs for each different age category. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Tickets and at-fault accidents raise rates

The information below illustrates how violations and at-fault claims raise Buick Enclave insurance rates for each different age category. The premiums are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

Rate difference between full and liability-only coverage

The example below compares Buick Enclave auto insurance rates when comparing full coverage to liability only. The data is based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no set rule for phasing out physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s assume your Buick Enclave replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying the physical damage deductible. If you are paying over $700 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Chula Vista insurance discounts for a Buick Enclave

Companies that sell car insurance do not advertise all possible discounts in an easy-to-find place, so the list below gives a summary of a few of the more common as well as the least known credits available to bring down your rates. If you do not check that you are getting every discount you qualify for, you’re paying more than you need to.Auto insurance discounts

Please keep in mind that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will definitely lower your policy cost.

The diagram below shows the difference between Buick Enclave insurance costs with and without policy discounts. The premiums are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, multi-policy, safe-driver, and marriage discounts applied.

To see companies that offer multiple discounts in Chula Vista, click here to view.

How do Car Insurance Companies Determine Buick Enclave Insurance Premiums?

Lots of factors are taken into consideration when quoting car insurance. Most are fairly basic like an MVR report, but others are less obvious such as whether you are married or how safe your car is.

Listed below are some of the items car insurance companies consider when setting your rate level.

Will just any policy work for me?

Always keep in mind that when comparing coverage, there really is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect thatAuto insurance savings
For example, these questions might point out whether you could use an agent’s help.

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

You may want advice from an insurance agent

A small number of people just prefer to sit down and talk to an agent and doing so can bring peace of mind One of the benefits of getting online price quotes is that you can obtain the lowest rates but still work with a licensed agent. Buying from local agents is important particularly in Chula Vista.

Chula Vista insurance agentsBy using this quick form, the coverage information is submitted to insurance agents in Chula Vista who will give you quotes for your car insurance coverage. You won’t need to visit any agencies as quotes are delivered straight to your inbox. It’s the lowest rates and an insurance agent to talk to. In the event you want to get a price quote from a specific car insurance provider, don’t hesitate to find their quoting web page and submit a quote form there.

Pick the best auto insurance agent in Chula Vista for you

If you need to find a local Chula Vista insurance agent, you need to know there are two types of insurance agents and how they operate. Car insurance agents in Chula Vista can either be independent (non-exclusive) or exclusive.

Independent Car Insurance Agencies

Agents that elect to be independent often have many company appointments so they can write business through many different car insurance companies and find the cheapest car insurance rates. If you are not satisfied with one company, they simply switch companies in-house which requires no work on your part.

If you need lower rates, you absolutely need to compare quotes from several independent insurance agents to get the best comparison.

Listed below are independent agents in Chula Vista who can help you get cheap rate quotes.

Cordova Insurance Agency, Inc.
2260 Main St #8Chula Vista, CA 91911(619) 585-3470View Map

Areli’s Insurance Services
1010 Broadway #7Chula Vista, CA 91911(619) 409-1690View Map

1680 BroadwayChula Vista, CA 91911(619) 691-1071View Map

More insurance agents

Exclusive Agents

Exclusive agents work for only one company and some examples include Allstate, State Farm and Farmers Insurance. They generally cannot compare other company’s rates so they have to upsell other benefits. Exclusive insurance agents receive a lot of sales training in insurance sales which aids in selling service over price.

Below is a short list of exclusive agents in Chula Vista willing to provide rate quotes.

208 3rd AveChula Vista, CA 91910(619) 651-1900View Map

1750 E Palomar St Ste 5Chula Vista, CA 91913(619) 656-8828View Map

386 E H St Suite 203Chula Vista, CA 91910(619) 264-1751View Map

More insurance agents

Choosing the best auto insurance agent should depend on more than just the price. The answers to these questions are important, too.

If you receive positive responses to all your questions and locked in a price quote, you may have just found a car insurance agent that can be trusted to service your policy.

In conclusion

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There are too many instances where an insured cut liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the best price.

In this article, we covered many ways to reduce Buick Enclave insurance rates online in Chula Vista. It’s most important to understand that the more times you quote, the better your comparison will be. You may even be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower auto insurance rates in certain areas compared to the large companies like State Farm or Progressive.

Discount Buick Enclave insurance in Chula Vista is possible on the web and from local insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not offer rates over the internet and most of the time these regional insurance providers prefer to sell through local independent agencies.

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