Top Tricks to Lowering Your Buick Enclave Insurance Rates in Nevada
Are you sick and tired of paying out the nose to buy car insurance? You are no different than most other car owners in Nevada. Numerous auto insurance companies battle for your business, so it’s not easy to compare every provider and uncover the absolute lowest price
Your Buick Enclave insurance rate is a complex equation
It’s important that you understand the different types of things that come into play when calculating car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to big savings.
The list below includes a few of the “ingredients” that factor into prices.
- Better credit means lower rates – A driver’s credit rating is a important factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower ratings. If your credit score can use some improvement, you could save money insuring your Buick Enclave by spending a little time repairing your credit.
- Liability coverage is peace of mind – Your policy’s liability coverage provides coverage when a jury decides you are liable for damages caused by your negligence. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
- Never let your coverage lapse – Having an insurance coverage lapse is a sure-fire way to increase your car insurance rates. And not only will insurance be more expensive, getting caught without coverage can result in a steep fine or even jail time.
- The more you drive the more you pay – The more miles you rack up on your Buick in a year the more you will pay for car insurance. Most companies apply a rate based on how the vehicle is used. Autos used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. An improperly rated Enclave can cost quite a bit. Double check that your car insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
- Big city or small town – Residing in small towns and rural areas can save you money when insuring your vehicles. Less people living in that area means a lower chance of having an accident. City drivers regularly have traffic congestion and longer commute times. Higher commute times means higher likelihood of an accident.
These discounts can slash car insurance rates
Insuring your vehicles can cost a lot, but there are discounts available to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but a few must be requested specifically in order for you to get them. If you aren’t receiving every discount you deserve, you are throwing money away.
- One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
- Safety Course Discount – Completing a defensive driving course could save 5% or more if your company offers it.
- Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
- Save over 55 – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Enclave insurance.
- Passive Restraints – Vehicles with factory air bags can qualify for discounts of 20% or more.
- Safe Drivers – Drivers who avoid accidents may save up to 50% more for Enclave insurance than less cautious drivers.
- Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Enclave insurance with a few car insurance companies.
It’s important to note that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will cut your overall premium however.
To choose providers with discount car insurance rates in Nevada, click here to view.
Neighborhood agents for car insurance
Some consumers just want to buy from a licensed agent and that is OK! Educated insurance agents can point out coverage gaps and help in the event of a claim. The best thing about getting online price quotes is that you can obtain the best rates but still work with a licensed agent. Supporting local businesses is important especially in small towns and cities.
For easy comparison, once you complete this form (opens in new window), your information gets sent to companies who will compete for your business. There is no reason to even leave your home due to the fact that quote results will go straight to your inbox. How’s that for easy!
Different types of Nevada auto insurance agents
If you’re trying to find a local agent, you must know there are a couple different types of agents from which to choose. Agents are classified as either captive or independent (non-captive). Both write coverage properly, but it’s worth learning how they differ since it can impact your agent selection.
Independent Agents
Independent agents do not work for one specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies.
When shopping rates, you should always include multiple independent agents to have the most options to choose from.
Captive Agents
Captive insurance agents work for only one company such as AAA, Allstate and State Farm. These agents are unable to compare other company’s rates so always compare other rates. Captive agents are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums.
For a complete listing of insurance agents in Nevada, click here.
Choosing a car insurance agent shouldn’t rely on just the price. These are valid questions to ask:
- What is the agency’s Better Business Bureau rating?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are claims handled at the agent’s location?
- Is their price quote a firm figure or are their hidden costs?
- If you have an accident, will your rates go up?
- What insurance company do they write the most business with?
- What insurance companies do they recommend if they are an independent agent?
- Is working in the agency their full-time job?
Upon getting satisfactory answers to these questions as well as a affordable price, you may have just found an insurance agent that will properly insure your vehicles.
Car insurance ads bend the truth
Nevada drivers can’t ignore all the ads for car insurance savings by companies like 21st Century, Allstate and State Farm. They all have a common claim that you’ll save big after switching to them.
How do they all say the same thing?
Different companies have a certain “appetite” for the type of customer that makes them money. An example of a driver they prefer might be a mature driver, has no driving citations, and has great credit. A customer getting a price quote who meets those qualifications receives the best rates and therefore will cut their rates substantially.
Drivers who don’t meet this ideal profile will be quoted a more expensive rate and ends up with business not being written. The ad wording is “people who switch” not “people who quote” save that kind of money. That’s the way companies can state the savings.
This emphasizes why you absolutely need to get quotes from several different companies. It’s not possible to predict the company that will fit your personal profile best.
Do I need special coverages?
When buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.
- Is my dog or cat covered if injured in an accident?
- Does my medical payments coverage pay my health insurance deductible?
- Am I covered if I drive in a foreign country?
- What companies insure drivers after a DUI or DWI?
- Are my tools covered if they get stolen from my vehicle?
- Will my rates increase for filing one claim?
- How much underlying liability do I need for an umbrella policy?
- Is business property covered if stolen from my car?
- Is my babysitter covered when using my vehicle?
If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.
To find out more about Nevada car insurance
More information can be found on the website for the Nevada Division of Insurance through this link. Nevada drivers can find disaster information, find a variety of consumer forms, download brochures, and learn about insurance regulations.
The following information may also be useful.
One last thing about your coverage
Throughout this article, we presented a lot of techniques to lower your Buick Enclave insurance rates. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with some of the lesser-known companies. Smaller companies often have lower prices on specific markets than their larger competitors like GEICO and State Farm.
Discount Buick Enclave insurance is definitely available on the web as well as from independent agents in Nevada, so compare prices from both to have the best chance of lowering rates. Some companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.