Insurance quote for Buick Enclave in Fort CollinsWould you like to find low-cost Buick Enclave insurance in Fort Collins? Paying cheaper coverage rates for Buick Enclave insurance in Fort Collins might be frustrating for drivers who are beginners to online insurance quotes. You have so many choices that it can easily be a chore to find more affordable coverage rates on Buick Enclave insurance.

A recent survey discovered that almost 70% of drivers in Colorado kept their coverage with the same auto insurance company for over three years, and virtually 40% of consumers have never even shopped around for affordable coverage. Consumers in the U.S. could save themselves about 47% a year, but they don't want to take the time to go online and compare rates.

If you have a current car insurance policy, you will most likely be able to reduce the price you pay using the techniques presented in this article. Buying affordable protection in Fort Collins is not as difficult as people think. But Colorado drivers must learn the way insurance companies market on the web because rates fluctuate considerably.

Many insurance companies like 21st Century, Allstate and State Farm allow consumers to get pricing on their websites. Doing online price comparisons for Buick Enclave insurance in Fort Collins is fairly straightforward as you simply type in the coverage amounts you desire into the quote form. Once entered, the system will obtain your driving record and credit report and provides a quote based on many factors.

Using the web to get quotes for Buick Enclave insurance in Fort Collins simplifies rate comparisons, and it's necessary to perform this step if you want to find lower-cost prices.

To save time and compare pricing, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you copy the limits and deductibles just like they are on your policy. Doing this guarantees you're receiving an apples-to-apples comparison for exact coverage.

The providers in the list below can provide price comparisons in Colorado. If multiple companies are shown, we suggest you click on several of them in order to get a fair rate comparison.

Buick Enclave Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $334 $740 $426 $26 $128 $1,654 $138
Enclave CX AWD $214 $426 $396 $24 $118 $1,178 $98
Enclave XL 2WD $190 $340 $352 $20 $106 $1,008 $84
Enclave XL AWD $310 $496 $362 $22 $108 $1,298 $108
Get Your Own Custom Quote Go

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect insurance rates considerably.

Raise deductibles and save

The hardest decision when buying coverage is where should you set your physical damage deductibles. The data tables below approximate the difference in cost when you choose different policy deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Buick Enclave insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $306 $538 $352 $20 $106 $1,347 $112
Enclave CX AWD $306 $538 $352 $20 $106 $1,347 $112
Enclave XL 2WD $306 $538 $352 $20 $106 $1,347 $112
Enclave XL AWD $342 $538 $352 $20 $106 $1,383 $115
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 $190 $340 $352 $20 $106 $1,008 $84
Enclave CX AWD $190 $340 $352 $20 $106 $1,008 $84
Enclave XL 2WD $190 $340 $352 $20 $106 $1,008 $84
Enclave XL AWD $210 $340 $352 $20 $106 $1,028 $86
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in specific zip code location which can influence rates greatly.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $28 more each month or $336 for a full year than opting for the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 27 months between claim filings, you would probably be better off if you choose a higher deductible.

Buick Enclave insurance premiums by gender and age

The chart below visualizes the comparison of Buick Enclave insurance costs for male and female drivers. The rate quotes are based on no violations or claims, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Should you raise deductibles?

The example below highlights how deductible choice and can impact Buick Enclave insurance costs for different age groups. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Car insurance discounts help lower rates for Buick Enclave insurance in Fort Collins

Buying car insurance is not cheap, but you might already qualify for some discounts that could help you make your next renewal payment. A few discounts will automatically apply when you purchase, but a few must be specially asked for before you will receive the discount. If you aren't receiving every discount you qualify for, you could be getting lower rates.Cheaper car insurance with discounts

Remember that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, car insurance companies aren't that generous.

Larger car insurance companies and the discounts they provide are included below.

If you are trying to find low cost Fort Collins car insurance quotes, ask every insurance company which discounts they offer. Savings may not apply to policies in Fort Collins. To choose companies who offer online Buick Enclave insurance quotes in Fort Collins, follow this link.

Three good reasons to insure your Enclave

Despite the high insurance cost for a Buick Enclave in Fort Collins, insurance may be required and benefits you in several ways.

First, most states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability protection in order to drive the car. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you took out a loan on your Buick Enclave, most banks will stipulate that you have full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the bank may insure your Buick at a much higher premium rate and require you to reimburse them much more than you were paying before.

Third, auto insurance preserves both your assets and your Buick. It also can pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance definitely exceed the cost, particularly when you have a large claim. The average driver in America is currently overpaying as much as $865 each year so compare quotes from several companies at least once a year to ensure rates are inline.

Insurance agents can help

When it comes to buying coverage for your vehicles, there isn't really a single plan that fits everyone. Every situation is different and your insurance should unique, too.Safe vehicles cost less to insure Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

If it's difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Local Fort Collins insurance agencies

Some people would prefer to get advice from a local agent and there is nothing wrong with that. One of the benefits of comparing insurance prices online is you may find the best rates and also buy local. And supporting local insurance agents is especially important in Fort Collins.

To find an agent, once you fill out this form (opens in new window), your insurance coverage information is instantly submitted to insurance agents in Fort Collins that provide free Fort Collins car insurance quotes for your coverage. You never need to search for any insurance agencies as quotes are delivered to you directly. You can most likely find cheaper rates and a licensed agent to work with. If for some reason you want to get a rate quote from a specific insurance company, you just need to visit that company's website and complete a quote there.

If you are wanting to find a reputable agency, there are a couple of different types of agencies and how they work. Fort Collins agents are classified as either independent agents or exclusive agents.

Independent Insurance Agencies or Brokers

These agents do not write with just one company so they can write business amongst many companies and find you the best rates. If you want to switch companies, they simply move the coverage in-house and you stay with the same agent.

When comparison shopping, you will want to include several independent insurance agents to get the most accurate price comparison. Many can place coverage with smaller regional carriers which can be an advantage.

Below are Fort Collins independent agents who can help you get cheap rate quotes.

More insurance agents

Exclusive Agencies

Agents that elect to be exclusive work for only one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to place coverage with different providers so always compare other rates. Exclusive agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. A lot of people buy insurance from these agents partially due to the brand legacy rather than low rates.

The following is a list of exclusive agents in Fort Collins willing to provide price quotes.

More insurance agents

Finding a good insurance agency needs to be determined by more than just the bottom line cost. These are some questions you should get answers to.