It’s well known that car insurance companies don’t want you shop around. Drivers who shop around for the cheapest rate will most likely buy a different policy because they stand a good chance of finding a lower-priced company. A study discovered that consumers who compared rates annually saved about $3,450 over four years compared to other drivers who didn’t regularly shop around.
If finding the cheapest price for insurance is the reason for your visit, understanding how to get free comparison quotes and analyze coverages can make it simple to find affordable coverage.
The recommended way to save on car insurance rates in Tucson is to compare prices at least once a year from insurers who sell auto insurance in Arizona. This can be done by following these steps.
- First, take a few minutes and learn about the different coverages in a policy and the measures you can control to prevent expensive coverage. Many rating criteria that result in higher rates such as your driving record and a low credit rating can be amended by paying attention to minor details. Keep reading for more information to prevent high rates and get bigger discounts.
- Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple companies. View a list of agents
- Third, compare the quotes to your existing coverage to see if you can save by switching companies. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, notify your agent or company to cancel your current auto insurance policy. Submit the required down payment along with the signed application for the new coverage. Once received, put the proof of insurance certificate in your vehicle’s glove compartment or console.
An essential thing to point out is that you’ll want to make sure you compare identical coverages on every quote and and to look at as many different insurance providers as possible. This helps ensure the most accurate price comparison and a complete price analysis.
Lower rates by qualifying for discounts
Car insurance is not cheap nor is it fun to buy but you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be specifically requested before being credited.
- Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up can save up to 15% off the personal injury premium cost.
- Student in College – Children living away from Tucson attending college and do not have a car may be able to be covered for less.
- Auto/Life Discount – Not all companies offer life insurance, but some may give you a small discount if you purchase auto and life insurance together.
- Claim Free – Drivers who don’t have accidents can save substantially when compared to drivers with a long claim history.
- Good Students Pay Less – Excelling in school may save as much as 25% on a Tucson car insurance quote. The discount lasts until age 25.
A little note about advertised discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, that’s just not realistic.
The illustration below illustrates the difference between Buick Enclave auto insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, no accidents or driving violations, Arizona 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 claim-free, multi-car, multi-policy, homeowner, safe-driver, and marriage discounts applied.
A few of the larger companies and some of the discounts can be found below.
- 21st Century may offer discounts for 55 and older, teen driver, homeowners, good student, air bags, early bird, and driver training.
- State Farm has savings for good driver, passive restraint, student away at school, good student, and defensive driving training.
- AAA includes discounts for good driver, anti-theft, good student, pay-in-full, and multi-car.
- Liberty Mutual offers premium reductions for new move discount, teen driver discount, newly retired, hybrid vehicle, and new vehicle discount.
- Progressive discounts include online quote discount, homeowner, multi-policy, continuous coverage, good student, and online signing.
If you need low cost Tucson car insurance quotes, ask each company or agent which discounts you qualify for. Some discounts listed above may not apply in your state.
Getting a cheap price on insurance is a great way to save money. The only thing you need to do is spend a little time to compare rates online from several insurance companies.
The companies in the list below offer price quotes in Arizona. If you wish to find the cheapest auto insurance in Tucson, it’s a good idea that you get rates from several of them to get the best price comparison.
Insurance rate breakdown
The coverage table below highlights detailed analysis of coverage costs for Buick Enclave models. Being aware of how auto insurance premiums are calculated can assist in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $138 | $284 | $314 | $18 | $94 | $848 | $71 |
| Enclave CX AWD | $138 | $284 | $314 | $18 | $94 | $848 | $71 |
| Enclave XL 2WD | $138 | $284 | $314 | $18 | $94 | $848 | $71 |
| Enclave XL AWD | $154 | $284 | $314 | $18 | $94 | $864 | $72 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle location which can impact coverage prices noticeably.
Physical damage deductibles
One of the most common auto insurance questions is how high should your deductibles be. The figures shown below show the rate fluctuation between high and low physical damage deductibles. The first pricing table uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Enclave CX AWD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Enclave XL 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Enclave XL AWD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Enclave CX AWD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Enclave XL 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Enclave XL AWD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate information does not factor in your specific Tucson location which can impact price quotes noticeably.
Based on the above data, using a $250 deductible costs an average of $13 more each month or $156 each year across all Buick Enclave models than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 19 months between claim filings, you would most likely save money going with the higher deductible.
How to decide to raise your deductibles
| Average monthly premium for $250 deductibles: | $97 |
| Average monthly premium for $500 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
An important sidenote is that higher deductibles means you pay more out-of-pocket when you have a physical damage claim. That will necessitate enough savings in the event you have to pay the higher deductible.
Should you buy full coverage?
The illustration below compares Buick Enclave insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims or driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
Should you buy full coverage or liability only?
There is no clear-cut formula of when to eliminate physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s say your Buick Enclave book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after paying your policy deductible. If you are paying more than $300 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some conditions where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
How Insurers Determine Buick Enclave Insurance Rates
The best way to find cheaper car insurance is to take a look at a few of the rating criteria that come into play when calculating your car insurance rates. If you understand what impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower rates. Many things are taken into consideration when premium rates are determined. Some are pretty understandable like a motor vehicle report, but others are less obvious like where you live or your commute time.
Shown below are some of the things car insurance companies consider when setting your rates.
Men drivers tend to cost more – Statistics show that men are more aggressive behind the wheel. However, this does not mean males are worse at driving than females. Both sexes are in fender benders in similar numbers, but the men cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more costly citations like reckless driving and DUI.
The illustration below shows the comparison of Buick Enclave yearly insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are factored in.
Get a ticket, pay higher prices – Just one speeding ticket may increase your cost twenty percent or more. Good drivers pay less for auto insurance than their less careful counterparts. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with the DMV in their state in order to legally drive a vehicle.
The chart below demonstrates how citations and accidents increase Buick Enclave premium costs for different insured age categories. The prices are based on a married female driver, full coverage, $250 deductibles, and no policy discounts are applied.
Credit rating impacts premium rates – Your credit score factor in determining premium rates. People that have good credit tend to be better drivers and file fewer claims than drivers with poor credit scores. So if your credit could use some work, you could potentially save money when insuring your Buick Enclave by repairing your credit.
Protect yourself with liability coverage – Liability insurance will afford coverage if a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
Buick Enclave historical loss data – Companies use past loss statistics for each vehicle when setting premium rates. Models that tend to have higher loss trends will have higher premium rates. The table below illustrates the collected loss data for Buick Enclave vehicles.
For each coverage type, the loss probability for all vehicles compiled together is represented as 100. Values below 100 represent a good loss history, while percentage numbers above 100 point to more frequent losses or tendency to have larger claims.
| 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 |
Statistics from IIHS.org for 2013-2015 Model Years
Your insurance coverage should be tailored to you
When selecting coverage online or from an agent for your vehicles, there really is no single plan that fits everyone. You are unique.
These are some specific questions might help in determining if you may require specific advice.
- What is the rate difference between pleasure use and commuting?
- Is my custom paint covered by insurance?
- Does my Buick Enclave qualify for pleasure use?
- What are the best liability limits?
- Should I buy more coverage than the required Arizona minimum liability coverage?
- Which companies will insure high-risk drivers?
- What companies insure drivers after a DUI or DWI?
- Will my insurance pay for OEM parts?
- When can my company non-renew my policy?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.
Buying from insurance agencies
Many people would prefer to buy from a licensed agent and that is not a bad decision Insurance agents can help you build your policy and help in the event of a claim. The best thing about getting free rate quotes online is you may find cheap insurance rates and still buy from a local agent. Buying insurance from local insurance agencies is important particularly in Tucson.
To make it easy to find an agent, after completing this simple form, the quote information is immediately sent to companies in Tucson who can give free rate quotes for your insurance coverage. It’s much easier because you don’t need to search for any insurance agencies because prices are sent to the email address you provide. If you need to get a comparison quote from a particular provider, just jump over to their website to submit a rate quote request.
The following is a list of insurers in Tucson that are able to give price quotes for Buick Enclave insurance in Tucson.
- Rick McGee – State Farm Insurance Agent
7630 N la Cholla Blvd – Tucson, AZ 85741 – (520) 529-4676 – View Map - Clements
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456 – View Map - Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016 – View Map - Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488 – View Map
Finding the right insurer requires you to look at more than just a cheap quote. Any agent in Tucson should be willing to answer these questions.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the company have a local claim office in Tucson?
- What company holds the largest book of business for them?
- How many years of experience in personal auto insurance do they have?
- Can you use your own choice of collision repair facility?
After talking to the agent and getting good responses to any questions you may have and affordable Buick Enclave insurance rates in Tucson quotes, you have narrowed it down to an insurer that is reputable and can properly insure your vehicles. Just keep in mind it’s your policy and you can cancel coverage at any time so don’t think that you are permanently stuck with any specific company for the full term.
Insurance is not optional in Arizona
Despite the high insurance cost for a Buick Enclave in Tucson, insurance may not be optional for several reasons.
First, almost all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability insurance in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Enclave with a loan, it’s guaranteed your bank will require you to buy full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may buy a policy for your Buick at a more expensive rate and require you to pay much more than you were paying before.
Third, insurance preserves your Buick Enclave and your assets. It will also provide coverage for most medical and hospital costs incurred in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of having insurance are without a doubt worth the cost, especially for larger claims. Today the average American driver is overpaying more than $820 a year so smart consumers compare quotes each time the policy renews to help ensure money is not being wasted.
Arizona auto insurance companies ranked
Picking a highly-rated auto insurance company can be rather challenging considering how many companies there are in Tucson. The company ratings listed below may help you pick which coverage providers you want to consider shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Lower rates by being persistent
While you’re price shopping online, you should never buy less coverage just to save a little money. There are many occasions where an insured dropped full coverage to discover at claim time they didn’t purchase enough coverage. Your objective should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.
Insureds change insurance companies for a variety of reasons including poor customer service, unfair underwriting practices, questionable increases in premium or extreme rates for teen drivers. Regardless of your reason, finding the right auto insurance provider can be easy and end up saving you some money.
There are still a few companies who do not provide online price quotes and many times these smaller providers only sell coverage through independent agencies. Cheaper Buick Enclave insurance in Tucson is available from both online companies as well as from insurance agents, so you should compare both in order to have the best price selection to choose from.
Much more information about auto insurance in Arizona can be read below:
- Driving in Bad Weather (Insurance Information Institute)
- Who Has Affordable Tucson Auto Insurance for Postal Workers? (FAQ)
- How Much is Tucson Auto Insurance for a GMC Acadia? (FAQ)
- Who Has Cheap Auto Insurance for Business Use in Tucson? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Credit Impacts Car Insurance Rates (State Farm)
- What if I Can’t Find Coverage? (Insurance Information Institute)