Want to learn the secrets to finding more competitive Buick Enclave insurance in Columbia? Locating low-cost insurance for a Buick Enclave in South Carolina can normally be a lot of work, but you can use these tips and make it easy. There is a better way to compare car insurance rates so you're going to learn the best way to compare rates for a Buick and get the lowest price from Columbia insurance agents and online providers.
If you have insurance now or need new coverage, take advantage of these tips to buy cheaper auto insurance without reducing protection. Finding cheaper protection in Columbia is not as hard as you think. Drivers only need an understanding of the proper way to compare insurance rates from many companies at once.
Save with these discounts
Car insurance companies don't always publicize every possible discount very well, so the list below gives a summary of some of the more common and the more hidden credits that may apply to you.
- ABS Brakes - Vehicles equipped with ABS or steering control can stop better under adverse conditions so companies give up to a 10% discount.
- Senior Citizens - Mature drivers could receive a slight reduction on a Columbia auto insurance quote.
- Defensive Driver - Passing a class that teaches defensive driving techniques could save 5% or more depending on where you live.
- Air Bag Discount - Factory options such as air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
- Early Payment Discounts - By paying your policy upfront rather than paying monthly you could save 5% or more.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, car insurance companies aren't that generous.
A partial list of companies that may offer quotes with some of the discounts shown above include:
It's a good idea to ask each company to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies in Columbia. If you would like to see a list of insurance companies who offer car insurance discounts in South Carolina, click here.
Most companies give pricing directly from their websites. Getting quotes for Buick Enclave insurance in Columbia can be done by anyone as you just type in your coverage information as requested by the quote form. Upon sending the form, their quoting system orders reports for credit and driving violations and generates pricing information based on the information you submitted.
Using the web to get price quotes for Buick Enclave insurance in Columbia simplifies rate comparisons, and it's absolutely necessary to compare as many rates as possible in order to find a lower rate.
To quickly find out how much you're overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you input the coverage information identical to your current policy. Using the same limits helps guarantee you will have rate comparison quotes for similar insurance coverage.
The companies in the list below are our best choices to provide free quotes in Columbia, SC. If multiple companies are listed, we recommend you visit as many as you can to find the lowest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Enclave CX 2WD||$142||$274||$320||$18||$96||$850||$71|
|Enclave CX AWD||$318||$706||$444||$26||$132||$1,626||$136|
|Enclave XL 2WD||$242||$422||$342||$20||$102||$1,128||$94|
|Enclave XL AWD||$176||$322||$358||$22||$108||$986||$82|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in specific location which can increase or decrease coverage prices greatly.
Analysis of deductible levels
The chart below illustrates how your deductible choice and can change Buick Enclave annual premium costs for each different age group. The costs are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
How do Insurance Companies Determine Buick Enclave Insurance Costs?
Many different elements are used when you quote your car insurance policy. Some are pretty understandable like your driving record, but others are not quite as obvious such as whether you are married and annual miles driven.
The items below are a few of the things used by companies to determine your rate level.
Drive less and pay lower prices - Driving a lot of miles every year the higher your rate. A lot of companies price each vehicle's coverage based upon how the vehicle is primarily used. Cars left parked in the garage can be on a lower rate level than those that get driven frequently. Ask your agent if your vehicle rating states the correct driver usage. Improper usage on your Enclave can cost quite a bit.
Extra coverages that aren't used - There are many extra add-on coverages that sound like a good idea at the time if you aren't careful. Insurance for rental car reimbursement, death and dismemberment, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but if you have no use for them remove them and pocket the money.
Frequent car insurance claims will cost you - Auto insurance companies in South Carolina generally give lower rates to insureds who only file infrequent claims. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
Rates increase with driving citations - Even a single citation may increase your cost substantially. Drivers who don't get tickets have lower premiums compared to drivers with tickets. People who have multiple tickets such as DUI or reckless driving may find that they have to to prove financial responsibility with their state's licensing department in order to keep their license.
Insure car and home with the same company - Many insurers apply discounts to people that purchase more than one policy. It's known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you already get this discount, you still need to shop around to confirm you are receiving the best rates possible.
Adjust comp and collision deductibles and save - Physical damage insurance, aka comp and collision, is used to repair damage to your Buick. Examples of covered claims would be a dented fender, collision with an animal, or theft. Physical damage deductibles are the amount of money you are willing to pay if you file a covered claim. The more money you have to pay, the lower your rates will be.
Claims statistics for a Buick Enclave - Auto insurance companies factor in historical loss data when setting rates for each model. Vehicles that the statistics show to have increased losses will have higher rates for specific coverages.
The table below shows the historical loss data for Buick Enclave vehicles. For each coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Percentage numbers below 100 are indicative of better than average losses, while percentage numbers above 100 indicate higher probability of having a loss or larger claims.
Auto Insurance Loss Data for Buick Enclave Models
|Vehicle 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|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
What insurance coverages do I need?
Always remember that when buying coverage, there really is no perfect coverage plan. Each situation is unique.
These are some specific questions can help discover whether you might need an agent's assistance.
- Am I covered when using my vehicle for business?
- Will I be non-renewed for getting a DUI or other conviction?
- At what point should I drop full coverage?
- Do I really need UM/UIM coverage?
- Does my policy cover me when driving someone else's vehicle?
- When should I have rental car coverage?
- What is no-fault insurance?
- What is an adequate liability insurance limit?
If you're not sure about those questions then you might want to talk to an agent. If you don't have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.
Local Columbia auto insurance agents and auto insurance
Many people still prefer to sit down with an agent and there is nothing wrong with that. Good insurance agents will help you protect your assets and give you someone to call. The best thing about price shopping on the web is that you can find lower prices but still work with a licensed agent.
To make it easy to find an agent, after completing this short form, the quote information is transmitted to local insurance agents in Columbia that give free quotes for your insurance coverage. You never need to even leave your home as quotes are delivered immediately to your email address. If you have a need to quote rates for a specific company, don't hesitate to find their quoting web page and complete a quote there.
Finding the right insurer requires more thought than just the premium amount. Before buying a policy in Columbia, get answers to these questions.
- Which members of your family are coverage by the policy?
- Do they prorate repair cost based on vehicle mileage?
- How are they compensated?
- Does the agent help file claims?
- Are there any discounts that you might be missing?
Pick the best car insurance agent in Columbia for you
If you are searching for a good Columbia insurance agent, it can be helpful to understand the types of agencies and how they work. Agents are classified as either independent or exclusive. Both types can insure your vehicles, but it is a good idea to know the difference in the companies they write for since it can affect which type of agent you select.
Exclusive Auto Insurance Agencies
Agents of this type work for only one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide rate quotes from other companies so it's a take it or leave it situation. They are usually well trained on the products they sell and that enables them to sell even at higher rates. Some insured continue to choose to use a exclusive agent primarily because of the brand rather than having the cheapest rates.
Below is a short list of exclusive agents in Columbia who may provide you with rate quotes.
- Allstate Insurance: The Owens Agency, LLC
6316 St Andrews Rd b - Columbia, SC 29212 - (803) 798-0404 - View Map
- Rick Anthony - State Farm Insurance Agent
6226 Bush River Rd b - Columbia, SC 29212 - (803) 781-9810 - View Map
- Bill Weathersbee - State Farm Insurance Agent
9440 Two Notch Rd - Columbia, SC 29223 - (803) 788-7981 - View Map
Independent Agents (or Brokers)
These type of agents are not restricted to one company so they can quote policies with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house which requires no work on your part.
When comparing rate quotes, you should always get quotes from a few independent agents to have the most options to choose from. Most can insure with companies that do not advertise much which may provide better rates.
The following are independent agencies in Columbia that are able to give price quote information.
- Irmo Insurance Agency, Inc.
1345 Lake Murray Blvd - Irmo, SC 29063 - (803) 781-4700 - View Map
- David M Gilston Insurance Agency
455 St Andrews Rd # A2 - Columbia, SC 29210 - (803) 772-3122 - View Map
- Theodore and Associates
1700 Laurel St - Columbia, SC 29201 - (803) 799-9979 - View Map
If you receive satisfactory answers to your questions and cheaper Enclave insurance quotes, chances are good that you have found a car insurance agent that meets the criteria to provide auto insurance coverage. But keep in mind once you purchase a policy you can terminate your policy when you choose so never assume you're contractually obligated to a specific agent for the full policy term.
Best reasons to buy auto insurance in South Carolina
Despite the high cost of buying insurance for a Buick Enclave in Columbia, insurance is required by state law in South Carolina and it also provides benefits you may not be aware of.
- Just about all states have mandatory liability insurance requirements which means state laws require a specific level of liability coverage in order to get the vehicle licensed. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your Enclave with a loan, it's guaranteed your bank will stipulate that you have comprehensive coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may insure your Buick at a more expensive rate and force you to reimburse them for it.
- Auto insurance preserves both your Buick and your personal assets. Insurance will pay for medical transport and hospital expenses that are the result of an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. The average driver in South Carolina is overpaying over $825 a year so it's important to compare rates at every renewal to help ensure money is not being wasted.
Affordable rates are available
People who switch companies do it for many reasons like policy non-renewal, extreme rates for teen drivers, not issuing a premium refund or even an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.
There are still a few companies who may not offer online rate quotes and most of the time these regional carriers prefer to sell through local independent agencies. Budget-conscious Buick Enclave insurance is possible online as well as from independent agents in Columbia, and you need to price shop both to have the best selection.
As you prepare to switch companies, it's very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced physical damage coverage and discovered at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.
- Credit and Insurance Scores (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for a Ford Explorer in South Carolina? (FAQ)
- Who Has Cheap South Carolina Auto Insurance for Lyft Drivers? (FAQ)
- Which Company has the Cheapest Car Insurance in Greer, South Carolina? (FAQ)
- Who Has Affordable Auto Insurance for 4x4 Vehicles in South Carolina? (FAQ)
- Understanding your Policy (NAIC.org)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)
- Auto Insurance 101 (About.com)