Compare Buick Enclave Insurance Rate Quotes in Oklahoma City

A recent NerdWallet.com study revealed that nearly 70% of consumers kept their policy with the same company for four years or more, and 38% of customers have never quoted insurance rates at all. Oklahoma City drivers could save $550 a year just by comparing rates, but they think it’s difficult to shop around.

If you want to save the most money, the best way to get more affordable Buick Enclave insurance is to annually compare prices from companies who sell auto insurance in Oklahoma City. Prices can be compared by following these steps.

• First, read and learn about how insurance works and the things you can control to prevent high rates. Many factors that drive up the price like tickets, at-fault accidents, and an unacceptable credit score can be amended by making lifestyle changes or driving safer.
• Second, obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while independent agencies can quote rates for a wide range of companies.
• Third, compare the quotes to your current policy and determine if cheaper Enclave coverage is available. If you can save some money and make a switch, verify that coverage does not lapse between policies.

One piece of advice is to use similar coverage information on each quote and and to get quotes from every company you can. This guarantees a level playing field and the best price selection.

The majority of larger companies allow consumers to get pricing from their websites. Doing online quotes for Buick Enclave insurance in Oklahoma City is pretty easy because it’s just a matter of typing in the amount of coverage you want into the form. Once entered, their rating system orders your driving and credit reports and quotes a price based on many factors.

Getting online rate quotes for Buick Enclave insurance in Oklahoma City makes it easy to compare insurance prices and it’s also necessary to get many rate quotes in order to get the best rate.

To get comparison pricing now, consider comparing rates from the companies shown below. If you currently have coverage, we recommend that you enter your coverages as shown on your current policy. This ensures you will be getting a price comparison for similar coverage.

The providers in the list below can provide free quotes in Oklahoma. If several companies are displayed, it’s highly recommended you click on several of them to find the cheapest auto insurance rates.

Coverage analysis

The coverage table displayed next covers detailed analysis of rate quotes for Buick Enclave models. Learning more about how auto insurance premiums are figured can be valuable when making smart choices when buying a car insurance policy.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in Oklahoma City location which can alter rates considerably.

Raise deductibles and save

One of the more difficult decisions when buying car insurance is how high should the deductibles for physical damage be. The premium rates below determine the rate difference when you buy lower versus higher coverage deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in specific zip code location which can affect price quotes significantly.

Based on the figures above, using a $100 deductible will cost you approximately $51 more each month or $612 a year than quoting 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 go at a minimum 18 months between claim filings, you would come out ahead if you opt for a higher deductible.

The illustration below highlights how deductible selection and can affect Buick Enclave insurance costs for different age groups. The data is based on a single female driver, full coverage, and no policy discounts are applied.

Car insurance rates by age and gender in Oklahoma City

The diagram below compares Buick Enclave premium costs for male and female drivers. The rates are based on no claims, a clean driving record, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are factored in.

Should you buy full coverage?

The example below illustrates the comparison of Buick Enclave insurance premiums with full coverage compared to only the Oklahoma minimum liability coverage. The premiums are based on no claims, a clean driving record, $100 deductibles, single status, and no other discounts are factored in.

When to drop comprehensive and collision coverage

There is no clear-cut rule to stop paying for comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s pretend your Buick Enclave replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after you pay the deductible. If you are paying in excess of $700 annually for full coverage, then you may need to consider dropping full coverage.

There are some cases where dropping full coverage is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Companies offer money-saving discounts on Buick Enclave insurance in Oklahoma City

Buying insurance is not cheap, but you may find discounts to help bring down the price. A few discounts will automatically apply when you purchase, but some may not be applied and must be specially asked for prior to receiving the credit. If you check and find you aren’t receiving every discount possible, you may be paying too high a price.

• Safety Course Discount – Participating in a class that teaches driver safety techniques could earn you a small percentage discount if your company offers it.
• Student Discount for Driver Training – It’s a good idea to have your young drivers successfully take a driver’s education course in high school.
• 55 and Retired – Older drivers may be able to get a small discount on rates.
• Own a Home – Owning your own home or condo can save a few bucks since owning and maintaining a home shows financial diligence.
• Save with a New Car – Buying a new car model can get you a discount because new model year vehicles have to meet stringent safety requirements.

As a sidenote, some credits don’t apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

The diagram below illustrates the comparison of Buick Enclave car insurance costs with and without discounts applied to the policy premium. The data assumes a male driver, a clean driving record, no at-fault accidents, Oklahoma state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, marriage, homeowner, and multi-car discounts applied.

Companies that may include these discounts include:

• State Farm
• American Family
• AAA
• GEICO
• Mercury Insurance
• Farmers Insurance
• Progressive

If you are trying to find cheaper Oklahoma City auto insurance quotes, ask each insurance company the best way to save money. All car insurance discounts may not apply to policyholders in Oklahoma City. If you would like to choose from a list of providers that offer some of these discounts in Oklahoma City, click here to view.

Why you need quality insurance for your Buick Enclave

Despite the fact that auto insurance is not cheap in Oklahoma City, buying auto insurance is most likely required but also gives you several important benefits.

• Most states have compulsory liability insurance requirements which means state laws require a specific level of liability protection in order to drive the car. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your Buick Enclave, it’s guaranteed your bank will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may insure your Buick at a much higher rate and force you to pay for the expensive policy.
• Auto insurance preserves your car and your assets. It will also cover hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage also covers legal expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying auto insurance outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is wasting up to $800 each year so you should quote and compare rates each time the policy renews to ensure rates are competitive.

When to have guidance from an agent

Certain consumers would prefer to visit with an insurance agent and often times that is recommended A good thing about comparing rates online is the fact that you can find better rates and still buy from a local agent.

Upon completion of this simple form, your insurance coverage information is sent to insurance agents in Oklahoma City that can provide free Oklahoma City auto insurance quotes for your business. You won’t even need to search for any insurance agencies since rate quotes are delivered to you instantly. You can find the lowest rates AND an agent nearby. If you want to get a rate quote from one company in particular, you can always find their quoting web page and submit a quote form there.

Finding a good provider is decision based upon more than just a cheap price. Any agent in Oklahoma City should be willing to answer these questions.

• What company holds the largest book of business for them?
• Do they carry Errors and Omissions coverage?
• How will an accident affect your rates?
• Can glass repairs be made at your home?
• How many years of experience in personal auto insurance do they have?
• Will the agent or a CSR service your policy?

When looking for a reliable insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Insurance agencies are categorized either independent agents or exclusive agents.

Exclusive Insurance Agencies

Agents that elect to be exclusive can only write with one company such as AAA, Allstate, and State Farm. They usually cannot compare rates from other companies so you might not find the best rates. They are usually well trained on sales techniques and that can be a competitive advantage. Some consumers prefer to buy from exclusive agents mainly due to high brand loyalty and strong financial ratings.

Shown below are Oklahoma City exclusive agents that can give you comparison quotes.

• Marcia Corcoran – State Farm Insurance Agent
  3135 NW 63rd St b – Oklahoma City, OK 73116 – (405) 848-8878 – View Map
• Bob Stockton – State Farm Insurance Agent
  4625 N May Ave – Oklahoma City, OK 73112 – (405) 943-8373 – View Map
• Allstate Insurance: Eva Herrera
  2519 NW 23rd St #140 – Oklahoma City, OK 73107 – (405) 301-8162 – View Map

View more Oklahoma City agents

Independent Insurance Agencies

Agents of this type can quote rates with many companies so they can write business with any number of different companies and find the cheapest insurance rates. If they quote lower rates, the agent simply finds a different carrier without you having to go to a different agency.

When searching for an agent, you will want to get insurance quotes from a couple of independent agencies to ensure the widest selection of prices. Most can insure with small regional insurance companies which may provide better rates.

Below is a short list of independent agents in Oklahoma City who can help you get comparison quotes.

• Anderson Insurance
  10325 Greenbriar Pl – Oklahoma City, OK 73159 – (405) 794-9500 – View Map
• State Auto Insurance
  4030 NW 10th St – Oklahoma City, OK 73107 – (405) 943-5575 – View Map
• Bigbie, Hensley and Janway Insurance Agency
  5532 N Western Ave – Oklahoma City, OK 73118 – (405) 235-0036 – View Map

View more Oklahoma City agents