How to Save on Oakland Buick Enclave Insurance

  1. Home
  2. >
  3. Oakland Auto Insurance
  4. >
  5. Buick Enclave

Insurance quote for Buick Enclave in OaklandIt goes without saying that car insurance companies don't want you to look for cheaper rates. Drivers who shop around for a cheaper policy will, in all likelihood, switch to a new company because there is a good probability of finding a lower-cost company. A recent survey found that consumers who routinely shopped for cheaper coverage saved approximately $865 a year as compared to drivers who never compared prices.

If finding low prices for Buick Enclave insurance is your ultimate target, then knowing how to quote and compare insurance coverage can help simplify the task of finding more affordable coverage.

If you want to save the most money, the best way to get more affordable auto insurance rates is to make a habit of comparing prices annually from companies who sell auto insurance in Oakland.

  1. Read about how your policy works and the steps you can take to keep rates low. Many things that are responsible for high rates like traffic violations, accidents, and poor credit history can be eliminated by making minor driving habit or lifestyle changes. Later in this article we will cover instructions to get lower rates and get additional discounts that may be available.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple sources. View insurance agents
  3. Compare the new quotes to your current policy to see if a cheaper rate is available in Oakland. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.
  4. Tell your current company of your decision to cancel your current coverage. Submit any necessary down payment along with the completed application to the new company. When you receive it, place the new certificate verifying coverage in your glove compartment.

One tip to remember is that you use the same level of coverage on each price quote and and to compare as many different insurance providers as possible. Doing this ensures a level playing field and the best price selection.

Buying affordable car insurance in Oakland is not rocket science. If you currently have car insurance, you will definitely be able to cut your premiums using the concepts you're about to learn. Nevertheless, California vehicle owners need to have an understanding of the methods companies use to charge you for coverage and apply this information to your search.

The most recommended method to compare car insurance rates for Buick Enclave insurance in Oakland takes advantage of the fact auto insurance companies pay for the opportunity to provide you with a free rate quote. To get started, all you need to do is spend a couple of minutes providing details like if your license is active, whether you are married, how your vehicles are used, and whether you have decent credit. Your details is then sent to multiple auto insurance providers and you should receive rate quotes instantly.

To start a rate quote now, click here and find out if you can get cheaper insurance in Oakland.

The companies in the list below can provide price quotes in California. To get cheap car insurance in Oakland, we recommend you compare several of them to get the best price comparison.

Buick Enclave insurance statistics and information

The data table displayed below showcases a range of insurance rates for Buick Enclave models. Having insight into how rates are calculated is important for making smart choices when choosing a car insurance company.

Buick Enclave Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $420 $930 $534 $32 $160 $2,076 $173
Enclave CX AWD $420 $930 $534 $32 $160 $2,076 $173
Enclave XL 2WD $420 $930 $534 $32 $160 $2,076 $173
Enclave XL AWD $468 $930 $534 $32 $160 $2,124 $177
Get Your Own Custom Quote Go

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in zip code location which can affect rates substantially.

Where to set your deductibles

One of the most common insurance questions is how high should the deductibles for physical damage be. The data tables below can help show the difference in cost of buying low and high policy deductibles. The first table uses a $250 deductible for physical damage and the second rate table uses a $500 deductible.

Buick Enclave insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $386 $678 $442 $26 $132 $1,689 $141
Enclave CX AWD $386 $678 $442 $26 $132 $1,689 $141
Enclave XL 2WD $386 $678 $442 $26 $132 $1,689 $141
Enclave XL AWD $430 $678 $442 $26 $132 $1,733 $144
Get Your Own Custom Quote Go
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

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Table data does not factor in specific garaging location which can raise or lower auto insurance rates significantly.

We can derive from the above data that using a $250 deductible costs approximately $19 more each month or $228 every year than choosing the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have more than 13 months between claims, you would more than likely save some money by going with a higher deductible.

Should you buy full coverage?

The chart below compares Buick Enclave auto insurance costs with full coverage and liability only. The premiums assume no claims or violations, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Deciding between full coverage and liability only

There is no exact formula for dropping physical damage coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's assume your Buick Enclave replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after the deductible is paid. If you are paying more than $800 a year for full coverage, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not recommended. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Which is the best auto insurance?

When it comes to choosing a policy, there really isn't a best way to insure your cars. Everyone's situation is a little different and a cookie cutter policy won't apply.Auto insurance savings For example, these questions might help in determining whether or not you might need an agent's assistance.

  • Why does it cost so much to insure a teen driver in Oakland?
  • Does rental coverage apply when I am renting a car?
  • Will my rates increase for filing one claim?
  • Are there any extra discounts I can get?
  • Is other people's property covered if stolen from my vehicle?
  • Is my vehicle covered by my employer's policy when using it for work?
  • Are combined or split liability limits better?
  • What is covered by UM/UIM coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Where can I find high-risk insurance?

If you're not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance agencies are trained to help

A lot of people would prefer to visit with an insurance agent and that is just fine! The biggest benefit of comparing car insurance online is that you can find lower prices and still have an agent to talk to.

Insurance agents in OaklandAfter completing this simple form, your coverage information is sent to local insurance agents in Oakland that can provide free Oakland auto insurance quotes for your coverage. It's much easier because you don't need to find an agent because prices are sent directly to your email. Get lower rates without a big time investment. In the event you want to get a price quote from one company in particular, just find their quoting web page and fill out the quote form the provide.

Finding a good provider requires more thought than just a low price. A good agent in Oakland will have answers to these questions.

  • Do they have a Better Business Bureau rating in Oakland?
  • Can you contact them at any time?
  • Do they review policy coverages at every renewal?
  • What companies can they write with?
  • Is the agent CPCU or CIC certified?
  • How will an accident affect your rates?
  • How much can you save by raising your physical damage deductibles?
  • What discounts might you be missing?

When finding a reputable agency, it helps to know the two types of agencies and how they can service your needs differently. Car insurance policy providers are either exclusive or independent agents depending on their company appointments.

Exclusive Car Insurance Agents

Exclusive insurance agents can only place business with one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide prices from multiple companies so it's a take it or leave it situation. They are usually quite knowledgeable on what they offer which helps them sell insurance even at higher premiums. Some insured continue to buy insurance from these agents mostly because of the brand name rather than low rates.

Listed below are Oakland exclusive agencies that are able to give price quotes.

View more Oakland agents

Independent Agents

Agents that elect to be independent are not employed by any specific company so they have the ability to put coverage through many different car insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and the insured can keep the same agent.

When comparing car insurance prices, it's a good idea to contact at least one independent agent so that you can do a thorough price comparison. A lot of them also have access to mutual insurance companies which can be an advantage.

The following are independent insurance agencies in Oakland willing to provide comparison quotes.

View more Oakland agents

After getting positive feedback to all your questions as well as a affordable price, it's possible that you found an auto insurance agent that will properly service your car insurance policy.