How to Compare Tampa Buick Enclave Insurance

Are you sick and tired of wondering where the money will come from to insure your Buick every month? You’re in the same situation as many other Florida consumers.

Insurance quote for Buick Enclave in TampaIt’s easy to assume that car insurance companies don’t want you comparing rates. Consumers who shop for lower prices will, in all likelihood, buy a new policy because there is a good probability of finding a lower-priced company. A recent auto insurance study revealed that consumers who compared prices regularly saved as much as $850 each year compared to drivers who never compared prices.

If finding the best rates on Buick Enclave insurance in Tampa is your goal, then having a good understanding how to choose a company and compare insurance rates can help simplify the process.

Due to the abundance of online and local companies to choose from, it can be difficult for people to find the most cost effective insurance company.

Consumers should take time to get comparison quotes at least once a year because prices trend upward over time. Even if you got the best price on Buick Enclave insurance in Tampa last year the chances are good that you can find a lower rate quote today. There is too much inaccurate information about Enclave insurance on the web, but you can learn some excellent ideas to stop overpaying for insurance in Tampa.

Companies offering low-cost Buick Enclave prices in Tampa, FL

The following companies have been selected to offer free rate quotes in Florida. If you want to find cheap auto insurance in Tampa, FL, we suggest you click on several of them to get the best price comparison.

Insurance analysis for a Buick Enclave

The premium table below covers different insurance policy prices for Buick Enclave models. Having a good grasp of how insurance prices are formulated can aid in making decisions on which coverage to buy.

Buick Enclave Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Enclave CX 2WD $256 $402 $546 $32 $164 $1,400 $117
Enclave CX AWD $256 $402 $546 $32 $164 $1,400 $117
Enclave XL 2WD $256 $402 $546 $32 $164 $1,400 $117
Enclave XL AWD $286 $402 $546 $32 $164 $1,430 $119
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in zip code location which can alter insurance rates noticeably.

The information below illustrates how your choice of deductibles and can affect Buick Enclave insurance rates for different ages of insureds. The data assumes a married male driver, full physical damage coverage, and no other discounts are factored in.

Why Informed Drivers Pay Less for Buick Enclave Insurance

Part of the insurance buying process is learning some of the factors that go into determining your policy premiums. When you understand what impacts premium levels, this helps enable you to make changes that can help you get lower rates. Lots of factors are part of the calculation when premium rates are determined. Some of the criteria are obvious such as traffic violations, but other factors are less obvious like your continuous coverage or how financially stable you are.

Shown below are a few of the things utilized by car insurance companies to help set your rate level.

Buick Enclave insurance discounts in Tampa

Some companies don’t list every available discount very clearly, so the following is a list of a few of the more well known as well as some of the hidden discounts that you may qualify for. If you do not double check each discount you deserve, you could be paying more than you need to.Cheaper auto insurance with discounts

Don’t be shocked that many deductions do not apply to the whole policy. Most only cut individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.

The chart below illustrates the difference between Buick Enclave yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, claim-free, marriage, and multi-car discounts applied.

To see a list of auto insurance companies with the best discounts in Florida, follow this link.

Compare rate quotes but buy from a local neighborhood Tampa car insurance agent

Certain consumers still prefer to have an agent’s advice and doing that can be a smart decision A nice benefit of comparing rates online is that drivers can save money and get cheap auto insurance quotes and still have an agent to talk to. And buying from neighborhood insurance agencies is still important in Tampa.

For easy comparison, once you complete this quick form, the quote information is emailed to local insurance agents in Tampa who can give free rate quotes and help you find cheaper coverage. You never need to do any legwork because quoted prices will be sent immediately to you. You’ll get the best rates without having to waste a lot of time. If you have a need to compare rates from a particular provider, you would need to go to their quote page and give them your coverage information.

What type of Tampa auto insurance agent is right for you?

When narrowing the list to find a reliable insurance agent, you need to know there are two different types of agencies that differ in how they can insure your vehicles. Auto insurance agencies are categorized either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agents (or Brokers)

Agents that elect to be independent are not restricted to one company so as a result can place your coverage through many different auto insurance companies and potentially find a lower price. To move your coverage to a new company, they can switch companies in-house without you having to go to a different agency. When comparing auto insurance rates, it’s recommended you get several quotes from at a minimum one independent agency to ensure the widest selection of prices.

Shown below is a short list of independent agents in Tampa who may provide free price quotes.

5008 W Linebaugh AveTampa, FL 33624(813) 865-9000View Map

1316 W Busch BlvdTampa, FL 33612(813) 932-5511View Map

3410 Henderson BlvdTampa, FL 33609(813) 347-5555View Map

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Exclusive Auto Insurance Agents

Agents of this type can only provide pricing for a single company and examples are Allstate and State Farm. Exclusive agencies are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents receive a lot of sales training in insurance sales which can be an advantage.

Shown below are Tampa exclusive agencies who can help you get price quote information.

10005 Gallant LnTampa, FL 33625(813) 963-3216View Map

6920 E Fowler AveTampa, FL 33617(813) 989-2037View Map

5051 Memorial HwyTampa, FL 33634(813) 243-1300View Map

View more Tampa agents

Selecting an insurance agent should depend on more than just the price. Any agent in Tampa should be willing to answer these questions.

Which auto insurance company is best in Tampa?

Insuring your vehicle with a high-quality car insurance company is hard considering how many choices you have in Tampa. The company rank data in the next section can help you pick which car insurance providers to look at comparing prices from.

Top 10 Tampa Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 Tampa Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Affordable auto insurance premiums are out there

Discount Buick Enclave insurance in Tampa can be found from both online companies and also from your neighborhood Tampa agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide the ability to get quotes online and these smaller companies only sell through independent agencies.

We just covered a lot of ways to get a better price on Buick Enclave insurance in Tampa. The key thing to remember is the more quotes you get, the higher the chance of saving money. Drivers may even discover the lowest rates come from an unexpected company. Some small companies may have significantly lower car insurance rates on certain market segments than their larger competitors like GEICO and State Farm.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. There have been many cases where an insured dropped liability coverage limits and discovered at claim time that they should have had better coverage. Your objective should be to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

Steps to finding affordable quotes for Buick Enclave insurance in Tampa

The best way to get discount auto insurance rates is to make a habit of comparing prices annually from insurance carriers in Tampa.

One tip to remember is to try to use the same physical damage deductibles and liability limits on each price quote and and to analyze as many companies as possible. This provides a fair rate comparison and the most accurate and complete price analysis.

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