Surprisingly, a recent survey revealed that a large majority of auto insurance policyholders in Kentucky have remained with the same auto insurance company for at least four years, and almost 40% of drivers have never compared rates to find lower-cost insurance. With the average premium in the United States being $1,847, drivers could save almost 47% a year by just shopping around, but they don’t know the amount of savings they would get if they switched.
It takes a little time, but the best way to find cheaper Buick Enclave insurance is to annually compare prices from providers in Louisville. You can compare rates by following these steps.
First, get an understanding of how your policy works and the measures you can take to drop your rates. Many rating factors that increase rates like tickets, at-fault accidents, and a poor credit score can be improved by improving your driving habits or financial responsibility. This article provides instructions to prevent high rates and find available discounts that you may qualify for.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from multiple insurance companies. View prices
Third, compare the price quotes to your current policy and see if there is a cheaper rate in Louisville. If you find a lower rate and change companies, make sure there is no lapse in coverage.
Fourth, provide proper notification to your current company of your intent to cancel the current policy and submit a completed application and payment for your new policy. Once coverage is bound, keep your new proof of insurance certificate in an accessible location in your vehicle.
An important bit of advice to remember is that you use the same deductibles and limits on every quote request and and to compare every company you can. This ensures a fair rate comparison and a better comparison of the market.
Four Things That Impact Your Insurance Premiums
An important part of buying insurance is that you know some of the things that help determine the rates you pay for car insurance. If you have a feel for what influences your rates, this allows you to make educated decisions that can earn you lower rates.
Raising deductibles lowers premiums – Insurance for physical damage to your car, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some coverage claims are a broken side mirror, hitting a deer, and burglary. Deductibles for physical damage define how much you are willing to pay out-of-pocket if you file a covered claim. The more you have to pay, the less your car insurance will be.
Always keep your coverage in place – Driving your car without having proper coverage is a misdemeanor and you may have a hard time finding new coverage because you let your insurance coverage expire. And not only will insurance be more expensive, the inability to provide proof of insurance may result in a license revocation or jail time.
How do annual miles impact rates? – Driving more miles every year the more it will cost to insure it. Most insurance companies calculate rates determined by how the vehicle is used. Vehicles not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your policy is showing the correct driver usage, because it can save money. An improperly rated Enclave is throwing money out the window.
Expect high rates for teens – More experienced drivers have been proven to be more responsible, file fewer claims, and are safer drivers. Teenage drivers are proven to get distracted easily behind the wheel therefore car insurance rates are much higher.
The following data uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
Insurance loss data for Buick Enclave vehicles – Companies use past loss statistics for each vehicle to calculate a rate that will offset any claims. Vehicles that tend to have higher claim amounts or frequency will have a higher premium rate. The next table shows the historical insurance loss data for Buick Enclave vehicles.
For each coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is a value of 100. Values that are below 100 suggest losses that are better than average, while values over 100 show a trend for more claims or an increased chance of a larger loss.
| 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 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Most larger insurance companies such as State Farm, GEICO and Progressive make it easy to get price estimates direct online. Getting Buick Enclave insurance prices online is fairly simple as you simply type in the amount of coverage you want as requested by the quote form. After you complete the form, their system will order your credit score and driving record and provides a quote determined by many factors.
Using the web to get rates for Buick Enclave insurance in Louisville makes it easy to compare insurance prices and it’s also necessary to perform this step in order to get cheap rates.
If you want to get comparison pricing now, take a look at the companies shown below. To compare your current rates, we recommend you input the coverages exactly as they are listed on your policy. Doing this assures you will have rate comparison quotes for exact coverage.
The companies shown below offer comparison quotes in Louisville, KY. If multiple companies are listed, it’s a good idea that you visit as many as you can to find the lowest auto insurance rates.
Buick Enclave coverage analysis
The price information shown below covers detailed analysis of insurance rates for Buick Enclave models. Being able to understand how rates are calculated can assist in making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $200 | $396 | $342 | $20 | $102 | $1,060 | $88 |
| Enclave CX AWD | $200 | $396 | $342 | $20 | $102 | $1,060 | $88 |
| Enclave XL 2WD | $200 | $396 | $342 | $20 | $102 | $1,060 | $88 |
| Enclave XL AWD | $222 | $396 | $342 | $20 | $102 | $1,082 | $90 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Information does not factor in specific Louisville garaging location which can alter prices greatly.
Where to set your deductibles
When comparing auto insurance rates, the most common question is how high should the physical damage coverage deductibles be. The following tables may aid in understanding the rate difference between low and high comp and collision deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $318 | $598 | $326 | $20 | $98 | $1,385 | $115 |
| Enclave CX AWD | $318 | $598 | $326 | $20 | $98 | $1,385 | $115 |
| Enclave XL 2WD | $318 | $598 | $326 | $20 | $98 | $1,385 | $115 |
| Enclave XL AWD | $354 | $598 | $326 | $20 | $98 | $1,421 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $232 | $404 | $326 | $20 | $98 | $1,080 | $90 |
| Enclave CX AWD | $232 | $404 | $326 | $20 | $98 | $1,080 | $90 |
| Enclave XL 2WD | $232 | $404 | $326 | $20 | $98 | $1,080 | $90 |
| Enclave XL AWD | $258 | $404 | $326 | $20 | $98 | $1,106 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can revise coverage prices significantly.
Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $25 more each month or $300 each year averaged for all Enclave models than buying the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 16 months between claims, you would save more money going with the higher deductible.
Auto insurance rates by age and gender
The information below visualizes the comparison of Buick Enclave yearly insurance costs for male and female drivers. The data assumes no claims or violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.
Should you buy full coverage?
The illustration below illustrates the difference between Buick Enclave premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims, a clean driving record, $250 deductibles, single status, and no discounts are applied.
When to drop comprehensive and collision coverage
There is no definitive rule to stop paying for physical damage coverage, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Buick Enclave book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after paying the physical damage deductible. If premiums are more than $500 annually for full coverage, then you may want to consider only buying liability coverage.
There are some conditions where dropping full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Auto insurance is an important decision
Despite the high insurance cost for a Buick Enclave in Louisville, insurance is mandatory in Kentucky but it also protects more than you think.
- Almost all states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability insurance coverage in order to drive the car. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Enclave, it’s guaranteed your bank will make it mandatory that you have comprehensive coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Buick at a much higher rate and require you to pay much more than you were paying before.
- Insurance safeguards not only your car but also your assets. Insurance will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay to defend you in the event you are sued. If your car is damaged in a storm or accident, your auto insurance policy will pay to repair the damage.
The benefits of buying auto insurance outweigh the cost, particularly for liability claims. Unknowingly, the average driver is wasting up to $810 a year so smart consumers compare quotes at every policy renewal to be sure current rates are still competitive.
Do you qualify for discounts?
Some companies don’t always publicize every discount very clearly, so here is a list both well-publicized and the harder-to-find credits available to you.
- Driver Safety – Participating in a class that teaches defensive driving techniques could save 5% or more depending on where you live.
- Paperwork-free – Many companies give back up to $50 for buying a policy and signing up digitally online.
- Multi-Vehicle Discounts – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
- Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates than drivers with accidents.
- Professional Organizations – Participating in a professional or civic organization is a simple method to lower premiums on your next renewal.
- Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Claim-Free Discount – Insureds with no claims or accidents pay less in comparison to policyholders that have many claims.
- Include Life Insurance and Save – Some insurance companies give a lower insurance rate if you buy a life policy as well.
- 55 and Retired – Drivers that qualify as senior citizens are able to get a discount up to 10%.
- Passive Restraints and Air Bags – Vehicles with factory air bags may get savings of up to 25% or more.
One thing to note about discounts is that some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.
The diagram below compares Buick Enclave insurance prices with and without discounts applied to the rates. The premium estimates are based on a male driver, no violations or accidents, Kentucky state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, claim-free, marriage, and safe-driver discounts applied.
If you would like to choose from a list of insurance companies with discount rates in Kentucky, follow this link.
When should I contact an insurance agency?
Many people would prefer to visit with an insurance agent and that can be a great decision One of the benefits of comparing rate quotes online is that you can find cheap insurance rates but also keep your business local. Putting coverage with local insurance agencies is important particularly in Louisville.
Once you complete this form (opens in new window), the coverage information is immediately sent to agents in your area who can give free rate quotes to get your business. It makes it easy because there is no need to find an agent on your own since rate quotes are delivered to your email. You’ll get the best rates without requiring a lot of work. If you need to get a comparison quote from a particular provider, don’t hesitate to search and find their rate quote page and complete a quote there.
Choose the right auto insurance agent
If you want a reliable insurance agent, it can be helpful to understand the different types of agents and how they function. Insurance agents can either be independent agents or exclusive agents.
Independent Agencies or Brokers
Agents that elect to be independent often have affiliation with several companies and that allows them to write policies through many different insurance companies and find the cheapest insurance rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent. If you need cheaper insurance rates, we highly recommend that you include price quotes from multiple independent agents in order to compare the most rates. A lot of them also have access to companies that do not advertise much which may provide better rates.
Featured below is a short list of independent agents in Louisville that may be able to provide price quotes.
- Dick Watts Insurance
12200 Shelbyville Rd #112 – Louisville, KY 40243 – (502) 245-3625 – View Map - Reeves Insurance Agency
3616 Dixie Hwy – Louisville, KY 40216 – (502) 448-6226 – View Map - Gerald Schott Insurance
10602 Timberwood Cir # 14 – Louisville, KY 40223 – (502) 426-5887 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents are contracted to one company such as State Farm, AAA, and Liberty Mutual. They usually cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are well trained on their company’s products which helps offset the inability to provide other markets. Consumers sometimes choose to use an exclusive agent mostly because of the prominent brand name rather than having low rates.
The following are Louisville exclusive insurance agents willing to provide price quotes.
- Clay Robinson – State Farm Insurance Agent
8145 New La Grange Rd – Louisville, KY 40222 – (502) 426-1511 – View Map - Justin Roper – State Farm Insurance Agent
8800 Dixie Hwy b – Louisville, KY 40258 – (502) 271-3211 – View Map - Bob Savko – State Farm Insurance Agent
10839 Bluegrass Pkwy – Louisville, KY 40299 – (502) 499-7575 – View Map
Choosing an auto insurance agent is decision based upon more than just a low price. These are some questions you should get answers to.
- Are they involved in claim handling?
- Which insurance company do they prefer to write with?
- Will they take your side in the event of a claim?
- Does the company allow you to choose your own collision repair facility?
- Is every driver in your family covered?
Special considerations
Always keep in mind that when comparing a policy, there really isn’t a one size fits all plan. Every insured’s situation is different and your car insurance should unique, too.
Here are some questions about coverages that might help in determining if your situation might need professional guidance.
- What happens if I owe more than my Buick Enclave is worth?
- Does my insurance cover my expensive audio equipment?
- Do I pay less if my vehicle is kept in my garage?
- What is roadside assistance coverage?
- Does rental coverage apply when I am renting a car?
- How much cheaper are high deductibles?
- How many claims can I have before being canceled?
- Do I need medical payments coverage since I have good health insurance?
- Why am I required to buy liability insurance?
- Am I covered if I hit my neighbor’s mailbox?
If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.
Affordable coverage is out there
We just covered many ways to compare Buick Enclave insurance prices in Louisville. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding affordable Louisville auto insurance quotes. Consumers could even find that the lowest prices come from some of the smallest insurance companies. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.
Cheaper car insurance in Louisville can be found on the web as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and usually these small insurance companies prefer to sell through local independent agents.
Additional resources
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- How Much is Auto Insurance for Government Employees in Louisville? (FAQ)
- Who Has Cheap Car Insurance for a Hyundai Sonata in Louisville? (FAQ)
- Who Has the Cheapest Louisville Car Insurance for Retired Military? (FAQ)
- Who Has Affordable Louisville Car Insurance for Uber Drivers? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)