Compare Buick Enclave Insurance Rates in Honolulu

Insurance quote for Buick Enclave in HonoluluTo save the most money, the best way to get the cheapest Buick Enclave insurance in Honolulu is to make a habit of regularly comparing prices from companies who can sell car insurance in Hawaii. You can compare prices by following these guidelines.

First, learn about how companies price auto insurance and the things you can control to keep rates down. Many policy risk factors that cause high rates like tickets, at-fault accidents, and a lousy credit rating can be remedied by making minor changes to your lifestyle. Later in this article we will cover more ideas to get cheaper rates and find discounts that you may qualify for.

Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from many different companies.

Third, compare the quotes to your current policy premium and determine if cheaper Enclave coverage is available in Honolulu. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, give proper notification to your current agent or company to cancel your current policy. Submit payment and a signed application to your new company or agent. Once the application is submitted, store the certificate verifying coverage somewhere easily accessible.

One key aspect when comparing rates is to compare identical coverage information on every price quote and and to compare as many companies as feasibly possible. Doing this guarantees a level playing field and a complete price analysis.

A study showed that the majority of drivers have been with the same company for a minimum of four years, and 38% of drivers have never compared insurance rates at all. Hawaii insurance shoppers can save approximately 40% each year, but they don’t know the rate savings if they switched to a cheaper policy.

The best way to compare insurance rates from multiple companies is to take advantage of the fact almost all companies provide online access to provide you with a free rate quote. To begin a comparison, all you need to do is provide information including whether you are single or married, distance driven, an estimate of your credit level, and if a SR-22 is needed. Your rating data is then sent to multiple auto insurance providers and they return cost estimate within a short period of time.

To compare rates for your Buick Enclave now, click here and see if a lower rate is available in Honolulu.

The providers in the list below provide comparison quotes in Hawaii. If more than one company is shown, we recommend you visit two to three different companies to get the cheapest price.

Cheaper rates on Buick Enclave insurance in Honolulu with these discounts

Companies that sell car insurance don’t always list all their discounts in an easy-to-find place, so here is a list a few of the more well known and the more hidden discounts that may be available. If you do not check that you are getting every discount possible, you may be paying too high a price.Cheaper auto insurance with discounts

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, you won’t be that lucky. But any discount will lower your auto insurance premiums.

The information below visualizes the comparison of Buick Enclave auto insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, no accidents, no driving violations, Hawaii state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-car, claim-free, and multi-policy discounts applied.

A few popular companies and a partial list of their discounts are outlined below.

Before buying, ask each insurance company the best way to save money. Depending on the company, some discounts may not apply to policyholders in Honolulu. To choose auto insurance companies who offer cheap Buick Enclave insurance quotes in Honolulu, click here to view.

Rate information and statistics

The premium information shown below showcases estimates of coverage costs for Buick Enclave models. Understanding how insurance prices are calculated is important to be able to make smart choices when buying a car insurance policy.

Buick Enclave Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $294 $484 $346 $20 $104 $1,248 $104
Enclave CX AWD $294 $484 $346 $20 $104 $1,248 $104
Enclave XL 2WD $294 $484 $346 $20 $104 $1,248 $104
Enclave XL AWD $326 $484 $346 $20 $104 $1,280 $107
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in specific location information which can raise or lower coverage rates significantly.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is how high or low should comp and collision deductibles be. The rates below highlight the cost difference when you choose different physical damage coverage deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second set of prices 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 $230 $406 $264 $16 $80 $1,021 $85
Enclave CX AWD $230 $406 $264 $16 $80 $1,021 $85
Enclave XL 2WD $230 $406 $264 $16 $80 $1,021 $85
Enclave XL AWD $258 $406 $264 $16 $80 $1,049 $87
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Buick Enclave insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $142 $256 $264 $16 $80 $758 $63
Enclave CX AWD $142 $256 $264 $16 $80 $758 $63
Enclave XL 2WD $142 $256 $264 $16 $80 $758 $63
Enclave XL AWD $158 $256 $264 $16 $80 $774 $65
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price information does not factor in specific garaging location which can revise insurance rates significantly.

Based on the figures above, using a $250 deductible costs an average of $22 more each month or $264 annually than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 34 months between claim filings, you would probably be better off if you opt for a higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $86
Average monthly premium for $1,000 deductibles (subtract): – $64
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

One thing to note is that higher deductibles means you will have to cover more of the damage yourself when you have a claim. It will be required that you have some funds available in the event you need to pay the deductible to have repairs made.

The information below shows how different deductible levels and can affect Buick Enclave annual premium costs for different insured age categories. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Buick Enclave insurance premiums by gender in Honolulu

The illustration below shows the difference between Buick Enclave premium costs for male and female drivers. The information is based on no violations or claims, full coverage, $100 deductibles, drivers are single, and no discounts are applied.

You Can Change Your Insurance Rates

Multiple criteria are used when you get your auto insurance bill. Some factors are common sense such as your driving record, although some other factors are more obscure like your vehicle usage or your commute time. Part of the car insurance buying process is learning a few of the rating criteria that come into play when calculating your policy premiums. If you have a feel for what determines base rates, this allows you to make good choices that can help you get cheaper rates.

Too many car insurance claims will drive car insurance rates up – If you are the type of insured that files lots of claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance companies in Hawaii award cheaper rates to policyholders that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.

Discounts for multiple policies – Some companies will award lower prices to insureds that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount, you may still want to compare Buick Enclave rates in Honolulu to help ensure you have the lowest rates.

Marriage is a good thing – Having a significant other may cut your premiums compared to being single. Having a significant other usually means you are more mature than a single person it has been statistically shown that married couples file fewer claims.

Policy add-ons could be costing you – There are a lot of extra coverages that can waste your money on your Enclave policy. Add-on coverages like rental car coverage, accident forgiveness, and extra equipment coverage are probably not needed. These coverages may sound good when talking to your agent, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.

Insurance losses for a Buick Enclave – Insurers study historical loss data to calculate a rate that will offset losses. Vehicles that have high amounts or severity of claims will have a higher premium rate.

The table below shows the insurance loss data used by companies for Buick Enclave vehicles. For each policy coverage type, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Values under 100 indicate better than average losses, while percentage values above 100 indicate frequent claims or tendency to have higher losses.

Auto Insurance Loss Data for Buick Enclave Models
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Buick Enclave 4dr 2WD 85 101 83 67 63 81
Buick Enclave 4dr 4WD 93 110 92 64 62 84

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car insurance quotes from local Honolulu insurance agents

A lot of people still like to buy from a licensed agent. Licensed agents can help determine the best coverages and help file insurance claims. One of the benefits of comparing rates online is the fact that drivers can get lower rates and still buy from a local agent. Putting coverage with neighborhood insurance agencies is still important in Honolulu.

Honolulu insurance agentsOnce you complete this form (opens in new window), the quote information is submitted to local insurance agents in Honolulu that can give you free Honolulu auto insurance quotes to get your business. There is no need to find an agent due to the fact that quote results will go to your email. If for some reason you want to compare prices from a specific company, you just need to navigate to their website and give them your coverage information.

Two types of auto insurance agents

If you are wanting to purchase car insurance from a local insurance agency, there are two different types of agencies and how they can write your policy. Car insurance agents in Honolulu are classified as either independent or exclusive. Either one can write car insurance policies, but we need to point out the difference in how they write coverage because it can impact buying decisions.

Independent Car Insurance Agents

Agents of this type are not limited to a single company so they can insure your vehicles with a variety of different insurance companies and find you the best rates. If you are not satisfied with one company, your agent can switch companies and the insured can keep the same agent. If you need lower rates, you will definitely want to get several quotes from a few independent agents to maximize your price options.

Listed below is a list of independent agents in Honolulu that may be able to provide free car insurance rate quotes.

800 Bethel St # 200Honolulu, HI 96813(808) 538-6938View Map

1350 S King St #303Honolulu, HI 96814(808) 591-5545View Map

1100 Alakea St #2600Honolulu, HI 96813(808) 537-1970View Map

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Exclusive Insurance Agencies

Agents that choose to be exclusive can only place business with one company like Allstate and State Farm. These agents are unable to compare other company’s rates so always compare other rates. Exclusive insurance agents receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets.

Below is a list of exclusive agents in Honolulu that can give you comparison quotes.

3615 Harding Ave Ste 303Honolulu, HI 96816(808) 394-5433View Map

Allstate Insurance: Valerie Nagaji
4211 Waialae Ave #8080Honolulu, HI 96816(808) 735-2841View Map

1259 S Beretania St Ste 1Honolulu, HI 96814(808) 593-8844View Map

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Finding a good insurance agency is decision based upon more than just a cheap price quote. These are some questions your agent should answer.

Don’t assume everyone needs the same auto insurance coverage

Always remember that when buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. You are unique so your insurance needs to address that.Safe vehicles cost less to insure
These are some specific questions may help you determine whether or not you might need professional guidance.

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

A conclusion for your auto insurance search

Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through independent insurance agencies. Discount Buick Enclave insurance is available from both online companies and from local agencies, so compare prices from both to have the best selection.

We covered quite a bit of information on how to get a better price on Buick Enclave insurance in Honolulu. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding inexpensive Honolulu auto insurance quotes. You may even be surprised to find that the best price on auto insurance is with the smaller companies. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate or State Farm.

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