Save Money on Buick Enclave Insurance in Newark

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It's well known that auto insurance companies don't want you shop around. People who compare rates once a year are inclined to switch to a new company because the odds are good of finding better rates. A recent auto insurance study discovered that people who routinely compared quotes saved $865 a year compared to drivers who don't regularly compare prices.

If finding the cheapest price for auto insurance in Newark is your ultimate objective, then learning a little about how to shop and compare insurance coverage can help you succeed in finding affordable rates.

Insurance quote for Buick Enclave in NewarkIt takes a few minutes, but the best way to find discount Buick Enclave insurance is to start comparing prices regularly from providers who can sell car insurance in Newark. You can compare rates by following these guidelines.

  • Step 1: Get a basic knowledge of how auto insurance works and the changes you can make to prevent high rates. Many policy risk factors that result in higher rates such as traffic tickets, fender benders, and a bad credit rating can be controlled by making minor changes in your lifestyle. Continue reading for tips to get low prices and get additional discounts that may be available.
  • Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO and State Farm, while independent agents can provide price quotes from many different companies. View a list of agents
  • Step 3: Compare the new rate quotes to your current policy premium to determine if you can save on Enclave insurance. If you can save some money, make sure coverage is continuous and does not lapse.

The most important part of this process is that you'll want to make sure you compare the same deductibles and limits on each quote and and to get price estimates from as many car insurance companies as possible. Doing this enables a fair rate comparison and a thorough selection of prices.

Informed Drivers Know How to Find Insurance Cheaper

Many different elements are used in the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, but some are less apparent like where you live or your vehicle rating. One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that aid in calculating the rates you pay for insurance. If you have some idea of what determines premiums, this allows you to make good choices that can earn you lower premium levels.

  • Insurance costs are higher for high performance vehicles - The performance level of the car, truck or SUV you own makes a big difference in the rate you pay. The best insurance prices will normally be found when insuring low performance passenger vehicles, but there are many factors that impact the final cost.

    The next chart is based on a married male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Buick Enclave policy rates compared to other makes and models that have different performance risks.

  • Good credit saves on insurance - An insured's credit history will be a significant factor in calculating your premium rate. Therefore, if your credit history is lower than you'd like, you may save money insuring your Buick Enclave if you improve your credit rating. Drivers who have very high credit ratings tend to be more responsible as compared to drivers with lower credit ratings.
  • Accidents drive up rates - Having a clean driving record has a big impact on rates. Careful drivers pay lower auto insurance prices as compared to those with violations. Getting just one speeding ticket or other violation may cause rates to rise substantially. Drivers who have multiple tickets such as reckless driving or DUI may face state-mandated requirements to complete a SR-22 with the DMV in their state in order to keep their license.

    The example below shows how violations and fender-benders can influence Buick Enclave insurance premiums for different age groups of insureds. The price estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

  • Raising physical damage deductibles saves money - Insurance for physical damage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. A few examples of covered claims are colliding with a building, damage caused by hail, and having your car stolen. The deductibles you choose are how much you are willing to pay before a claim is paid by your company. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be.
  • Insurance rates and age - Older people tend to be more responsible, are lower risk to insure, and get fewer tickets. Inexperience drivers are statistically proven to be less responsible with other occupants in the car and because of this, their insurance rates are much higher.

    The chart below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Employer stress can make you pay more - Did you know that where you work can have an impact on rates? Jobs like military generals, social workers, and miners tend to pay the highest average rates in part from stressful work requirements and long work hours. Conversely, occupations such as professors, engineers and homemakers have lower than average premiums.
  • Your liability insurance limits - The liability coverage on your policy is the coverage that protects you if a jury decides you are liable for damages from an accident. It provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Multiple policies with one company - Lots of insurance companies afford better rates to people that buy multiple policies. It's known as a multi-policy discount. Even with this discount, it's in your best interest to get quotes from other companies to verify if the discount is saving money.
  • Loss statistics for a Buick Enclave - Auto insurance companies analyze claim trends for every vehicle when setting premium rates. Models that tend to have a trend towards higher claim severity or frequency will cost more for specific coverages.

    The next table illustrates the insurance loss data used by companies for Buick Enclave vehicles. For each policy coverage, the claim probability for all vehicles, as an average, is considered to be 100. Numbers shown that are under 100 suggest a better than average loss history, while numbers shown that are more than 100 point to more losses or tendency to have higher losses.

    Buick Enclave Insurance Claim Statistics
    Specific Buick 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

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Most companies allow consumers to get prices for coverage directly from their websites. The process is quite simple as all you need to do is type in your coverage information into the quote form. Once entered, their system will obtain reports for credit and driving violations and generates pricing information.

Being able to quote online for Buick Enclave insurance in Newark makes it a lot easier to compare rates and it's necessary to get many rate quotes if you want to find cheaper prices.

To 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 type in deductibles and limits as close as possible to your current policy. This helps ensure you will have rate quotes for similar insurance coverage.

The companies in the list below offer price comparisons in Newark, NJ. If you want to find the best cheap car insurance in NJ, it's a good idea that you click on several of them to get a more complete price comparison.

Buick Enclave detailed coverage information

The rate information displayed below outlines a range of insurance premium costs for Buick Enclave models. Learning how car insurance prices are figured can assist in making smart choices when selecting a policy.

Buick Enclave Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $364 $748 $462 $28 $138 $1,740 $145
Enclave CX AWD $364 $748 $462 $28 $138 $1,740 $145
Enclave XL 2WD $364 $748 $462 $28 $138 $1,740 $145
Enclave XL AWD $406 $748 $462 $28 $138 $1,782 $149
Get Your Own Custom Quote Go

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in your specific Newark location which can affect premiums noticeably.

Higher deductibles lower rates

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The following tables can help illustrate how much more you'll pay of buying low and high deductibles. The first set of prices uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.

Buick Enclave insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $466 $880 $480 $28 $144 $2,023 $169
Enclave CX AWD $466 $880 $480 $28 $144 $2,023 $169
Enclave XL 2WD $466 $880 $480 $28 $144 $2,023 $169
Enclave XL AWD $520 $880 $480 $28 $144 $2,077 $173
Get Your Own Custom Quote Go
Buick Enclave insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $258 $464 $480 $28 $144 $1,374 $115
Enclave CX AWD $258 $464 $480 $28 $144 $1,374 $115
Enclave XL 2WD $258 $464 $480 $28 $144 $1,374 $115
Enclave XL AWD $288 $464 $480 $28 $144 $1,404 $117
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect prices noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $54 more each month or $648 each year than opting for the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 17 months between claims, you would save money by selecting a higher deductible. The table below illustrates the way this decision is made.

Average monthly premium for $100 deductibles: $170
Average monthly premium for $1,000 deductibles (subtract): - $116
Monthly savings from raising deductible: $54
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $54
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

Auto insurance rates based on gender

The illustration below visualizes the comparison of Buick Enclave insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are factored in.

Why car insurance is not optional

Despite the high insurance cost for a Buick Enclave in Newark, insuring your vehicle is required for several reasons.

First, almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability protection if you drive a vehicle. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your Buick Enclave with a loan, almost all lenders will make it mandatory that you have full coverage to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Buick at a much higher premium rate and require you to pay the higher price.

Third, insurance protects your Buick and your assets. It also can pay for many types of medical costs for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage.

The benefits of having car insurance outweigh the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $855 a year so you should quote your policy with other companies once a year at a minimum to be sure current rates are still competitive.

Score discounts on Newark car insurance

Not many people think insurance is cheap, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but some discounts are required to be manually applied before they will apply.Cheaper car insurance with discounts

  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Anti-theft Discount - Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more on Enclave insurance in Newark.
  • Discount for Life Insurance - Larger companies have a break if you buy life insurance from them.
  • Pay Now and Pay Less - By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.
  • Telematics Devices - Insureds who allow companies to monitor vehicle usage by installing a telematics device such as State Farm's In-Drive could save a few bucks if their driving habits are good.
  • Student Discount for Driver Training - Cut your cost by having your teen driver enroll in driver's education as it will make them better drivers and lower rates.
  • Clubs and Organizations - Joining certain professional organizations could trigger savings when getting a Newark auto insurance quote.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Discount for New Cars - Insuring a vehicle that is new can get you a discount since new model year vehicles have better safety ratings.
  • Renewal Discounts - Some larger companies give discounts for buying a policy prior to your current Enclave insurance policy expiring. You can save around 10% with this discount.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. If you do the math and it seems like you could get a free car insurance policy, companies don't profit that way.

The illustration below illustrates the comparison of Buick Enclave annual premium costs with and without some available policy discounts. The premiums are based on a male driver, no claims, a clean driving record, New Jersey state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, claim-free, multi-policy, and marriage discounts applied.

A partial list of companies who might offer some of the discounts shown above may include but are not limited to:

Before purchasing a policy, check with every company to give you their best rates. Some discounts listed above may not apply to policyholders everywhere. To choose companies who offer car insurance discounts in Newark, click here to view.

Insurance agent or online?

A small number of people still like to get professional advice from a licensed agent and that is a personal choice. Professional agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of getting free rate quotes online is that you can find the best rates and also buy local. And providing support for neighborhood insurance agencies is still important in Newark.

After filling out this simple form, your coverage information is submitted to participating agents in Newark who will gladly provide quotes to get your business. It's much easier because you don't need to find an agent since rate quotes are delivered instantly to you. If you wish to get a rate quote from a specific insurance company, you just need to find their quoting web page to submit a rate quote request.

Different types of Newark car insurance agents

When researching a reliable agent, it's important to understand the different types of agents and how they can quote your rates. Newark agents may be either exclusive or independent agents depending on their company appointments. Both types of agents can insure your vehicles properly, but it's good to learn how they are different because it may have an impact on the selection process.

Independent Agencies or Brokers

Independent agencies are not employed by one company so they can quote policies through many companies and find you cheaper rates. To transfer your coverage to a different company, your agent can switch companies and the insured can keep the same agent.

When comparison shopping, you will want to check rates from a couple of independent agencies in order to compare the most rates. Many independent agencies also insure through small regional insurance companies that may have much lower rates than larger companies.

Featured below are independent insurance agencies in Newark who may provide price quote information.

  • 744 Broad St # 1100 - Newark, NJ 07102 - (973) 622-3838 - View Map
  • Cheap Car Insurance Quotes Auto Newark NJ
    268 W KINNEY ST - Newark, NJ 07103 - (888) 290-0635 - View Map
  • Astor C Wilson Insurance Agency
    88 Pacific St - Newark, NJ 07105 - (973) 491-0002 - View Map

View more Newark agents

Exclusive Car Insurance Agents

These agents can only place business with one company and some examples include American Family, State Farm, and AAA. Exclusive agents are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agents are usually well trained on their company's products and that can be a competitive advantage. Some insured continue to buy insurance from these agents mainly due to loyalty to the company rather than low rates.

The following is a short list of exclusive agents in Newark that can give you comparison quotes.

View more Newark agents

Choosing the best car insurance agent should depend on more than just a cheap price quote. Any agent in Newark should be forthright in answering these questions:

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Will the agent help in case of a claim?
  • When do they do a full risk review?
  • How many years have they been established?
  • Does the agency have a positive business rating?
  • Do they prorate repair cost based on vehicle mileage?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

You can lower your car insurance rates

Lower-priced car insurance in Newark can be purchased both online as well as from independent agents in Newark, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not offer online quoting and many times these regional insurance providers work with independent agents.

You just learned many tips how you can find cheap Buick Enclave insurance in Newark. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting low cost Newark auto insurance quotes. You may even be surprised to find that the best price on car insurance is with a smaller regional carrier.

While you're price shopping online, never buy less coverage just to save a little money. There are many occasions where drivers have reduced collision coverage to discover at claim time they didn't have enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford while still protecting your assets.

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