Buick Enclave insurance cost image courtesy of QuoteInspector.com
It's a fact that car insurance companies don't want their customers to go rate shopping. Drivers who shop around annually will probably buy a new policy because there is a significant possibility of finding better rates. A recent car insurance study revealed that people who shopped around annually saved about $3,500 over four years compared to people who never compared other company's rates.
If finding discount rates on auto insurance is your target objective, then having an understanding of how to shop for auto insurance can help you be more efficient.
Really, the only way to get low-cost car insurance rates in New Orleans is to do an annual price comparison from different companies who can sell car insurance in Louisiana.
- Step 1: Read and learn about what is in your policy and the measures you can take to lower rates. Many rating criteria that increase rates such as careless driving and an unfavorable credit rating can be controlled by making minor changes in your lifestyle.
- Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while independent agents can give you price quotes from multiple companies.
- Step 3: Compare the new rates to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide notification to your current company to cancel the current policy. Submit a down payment and signed policy application to your new insurance company. Don't forget to store the certificate verifying coverage somewhere easily accessible.
The key thing to know about shopping around is that you'll want to make sure you compare similar limits and deductibles on every price quote and and to get price estimates from as many auto insurance providers as possible. Doing this provides a fair rate comparison and the best price selection.
When shopping for Buick Enclave insurance in New Orleans there are multiple ways to compare rate quotes from different companies. The best way to compare rates involves getting comparison quotes online.
When quoting insurance, remember that comparing all the rates in your area increases the chance that you will find better pricing. Not every company allows you to get rate quotes online, so it's important to also get price estimates from them as well.
The companies shown below have been selected to offer price quotes in Louisiana. If you want cheap car insurance in LA, it's highly recommended you click on several of them to get the best price comparison.
Auto insurance just makes sense
Even though it can be expensive, insurance is required in Louisiana but also provides important benefits.
First, the majority of states have compulsory liability insurance requirements which means the state requires a specific level of liability insurance if you drive a vehicle. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your Buick Enclave with a loan, most lenders will make it mandatory that you have physical damage coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank may buy a policy for your Buick at a significantly higher premium and force you to reimburse them the higher premium.
Third, insurance protects both your assets and your vehicle. It will also provide coverage for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your Buick gets damaged, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance outweigh the cost, especially with large liability claims. The average driver in America is currently overpaying as much as $750 every year so shop around once a year at a minimum to ensure rates are competitive.
Rates and data analysis
The coverage table below showcases a range of prices for Buick Enclave models. Knowing how insurance policy premiums are determined is important for drivers to make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $316 | $650 | $604 | $36 | $180 | $1,786 | $149 |
| Enclave CX AWD | $316 | $650 | $604 | $36 | $180 | $1,786 | $149 |
| Enclave XL 2WD | $316 | $650 | $604 | $36 | $180 | $1,786 | $149 |
| Enclave XL AWD | $352 | $650 | $604 | $36 | $180 | $1,822 | $152 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Table data does not factor in vehicle garaging location which can decrease or increase auto insurance rates substantially.
Auto insurance deductibles
One frequently asked question is which deductibles should you choose. The following tables determine the premium difference between low and high coverage deductibles. The first pricing table uses a $100 deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Enclave CX AWD | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Enclave XL 2WD | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Enclave XL AWD | $502 | $850 | $464 | $28 | $140 | $2,009 | $167 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $250 | $448 | $464 | $28 | $140 | $1,330 | $111 |
| Enclave CX AWD | $250 | $448 | $464 | $28 | $140 | $1,330 | $111 |
| Enclave XL 2WD | $250 | $448 | $464 | $28 | $140 | $1,330 | $111 |
| Enclave XL AWD | $278 | $448 | $464 | $28 | $140 | $1,358 | $113 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Information does not factor in specific zip code location which can influence rates noticeably.
Based on these figures, using a $100 deductible costs about $52 more each month or $624 every year than buying the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 17 months between claims, you would come out ahead if you choose the higher deductible. The table below shows how you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $164 |
| Average monthly premium for $1,000 deductibles (subtract): | - $112 |
| Monthly savings from raising deductible: | $52 |
| Difference between deductibles ($1,000 - $100): | $900 |
| Divide difference by monthly savings: | $900 / $52 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
An important thing to remember is that raising deductibles to save money means you will have to cover more of the damage yourself when you have a claim. That will necessitate enough savings in the event you have to pay more to get your vehicle repaired.
The diagram below illustrates how choosing a deductible and can increase or decrease Buick Enclave premium costs for different ages of insureds. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Bad driving habits will cost you more
The chart below illustrates how violations and at-fault collisions raise Buick Enclave insurance rates for different age groups. The premiums are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Age, gender, and Buick Enclave insurance
The information below illustrates the difference between Buick Enclave insurance costs for male and female drivers. The rates are based on no accidents or driving violations, comp and collision included, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Don't overlook these Buick Enclave insurance discounts
Buying car insurance is not cheap, but you can get discounts to cut the cost considerably. Some trigger automatically when you quote, but a few must be asked for prior to getting the savings. If you do not double check each discount you deserve, you are throwing money away.
- Discount for Life Insurance - Select companies reward you with a lower car insurance rate if you buy some life insurance in addition to your auto policy.
- Military Deployment Discount - Having a deployed family member could mean lower premium rates.
- Waiver for an Accident - Not a discount per se, but companies like State Farm and Progressive will forgive one accident without raising rates with the catch being you have to be claim-free for a specific time period.
- Low Mileage Discounts - Keeping the miles down on your Buick may allow you to get discounted premium rates on garaged vehicles.
- Club Memberships - Having an affiliation with a qualifying organization could trigger savings when shopping for car insurance.
- Discount for New Cars - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
- Seat Belts Save more than Lives - Drivers who require all occupants to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
- Discounts for Good Drivers - Accident-free drivers can save as much as half off their rates than drivers with accidents.
Just know that most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like you could get a free car insurance policy, company stockholders wouldn't be very happy.
The chart below shows the comparison of Buick Enclave car insurance rates with and without discounts being applied to the rates. The price estimates are based on a male driver, no violations or claims, Louisiana 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-policy, multi-car, homeowner, claim-free, safe-driver, and marriage discounts applied.
Auto insurance companies who may offer these money-saving discounts may include but are not limited to:
If you are trying to find low cost New Orleans car insurance quotes, ask every company to apply every possible discount. Discounts may not apply to policyholders in your area. To see a list of providers with the best Buick Enclave insurance discounts in New Orleans, click here.
Local New Orleans insurance agencies
A small number of people just prefer to have an agent's advice and that can be a great decision A good thing about comparing rate quotes online is the fact that you can find the lowest rates and still choose a local agent.
For easy comparison, once you complete this quick form, your insurance data is transmitted to companies in New Orleans that provide free New Orleans car insurance quotes for your coverage. It makes it easy because there is no need to contact an agency because quoted prices will be sent directly to your email. You can find better rates AND a local agent. If you need to get a rate quote from a particular provider, you just need to search and find their rate quote page and fill out the quote form the provide.
Finding the right insurer is decision based upon more than just the premium amount. Before buying a policy in New Orleans, get answers to these questions.
- Are aftermarket or OEM parts used to repair vehicles?
- What are the financial ratings for the companies they represent?
- What are their preferred companies if they are an independent agency?
- By raising physical damage deductibles, how much would you save?
- Is their price quote a firm figure or are their hidden costs?
- Is auto insurance their primary focus in New Orleans?
Types of car insurance agents in New Orleans
If you prefer to buy auto insurance from a local agent, you should know the types of insurance agents that differ in how they can insure your vehicles. Auto insurance agents may be either exclusive agents or independent agents.
Exclusive Agents
Agents that elect to be exclusive have only one company to place business with and examples are Farmers Insurance, State Farm, or Allstate. They generally cannot provide rate quotes from other companies so keep that in mind. These agents are well trained in insurance sales which can be an advantage. Some insured continue to purchase coverage from exclusives mainly due to high brand loyalty rather than having low rates.
Listed below is a short list of exclusive insurance agents in New Orleans willing to provide price quote information.
- Charles Hemmans - State Farm Insurance Agent
4611 S Carrollton Ave - New Orleans, LA 70119 - (504) 313-5498 - View Map - Allstate Insurance: Daniel Occhi
4006 Canal St - New Orleans, LA 70119 - (504) 517-9080 - View Map - Andy Bowden - State Farm Insurance Agent
6325 Elysian Fields Ave a - New Orleans, LA 70122 - (504) 288-2219 - View Map
Independent Agents
Independent insurance agents often have affiliation with several companies so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If they find a cheaper price, your agent can just switch to a different company and you can keep the same agent. If you are trying to find cheaper rates, we recommend you get rate quotes from several independent insurance agents to maximize your price options. Most have the option of insuring with smaller companies who may have lower rates.
Below are New Orleans independent insurance agencies that are able to give price quote information.
- Garcia Insurance Services
3815 MacArthur Blvd - New Orleans, LA 70114 - (504) 875-4077 - View Map - Integra Insurance in Baton Rouge, Shreveport and New Orleans | Texas and Louisiana Insurance Agents
2750 Lake Villa Dr #305 - Metairie, LA 70002 - (877) 969-3026 - View Map - Dan Burghardt Insurance Agency
5741 Crowder Blvd - New Orleans, LA 70127 - (504) 241-7283 - View Map
More comparisons equals cheaper rates
We covered many ideas to reduce Buick Enclave insurance rates online in New Orleans. It's most important to understand that the more you quote New Orleans car insurance, the higher your chance of finding cheaper New Orleans car insurance quotes. You may even discover the lowest rates come from the smaller companies.
People leave their current company for a variety of reasons including questionable increases in premium, policy cancellation, denial of a claim and even poor customer service. It doesn't matter what your reason, finding the right car insurance provider can be easy and end up saving you some money.
Some car insurance companies do not offer rate quotes online and many times these small insurance companies provide coverage only through independent agents. Lower-priced car insurance in New Orleans can be sourced from both online companies as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money.
Much more information about car insurance in Louisiana can be found at the links below
- Reducing Your Risks in a Car Crash Video (iihs.org)
- What Auto Insurance is Cheapest for a Nissan Rogue in New Orleans? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Dodge Grand Caravan in New Orleans? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Teen Driver Statistics (Insurance Information Institute)