Want lower insurance rates for your Buick Lucerne? Did you fall for a flashy sales pitch and buy overpriced insurance? Don’t feel bad because there are many consumers feeling the pinch from expensive insurance. Popular companies such as Allstate, Progressive and GEICO continually hit you with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.
If you are insured now or are looking for a new policy, you can use this information to reduce the price you pay while maintaining coverages. Finding affordable coverage is quite easy. Vehicle owners only need an understanding of how to shop their coverage around online.
Finding cheaper insurance rates can be quick and easy. The only thing you need to do is spend a few minutes on the computer to get quotes to find the company with cheaper car insurance quotes. It is quite easy and can be accomplished by using one of the methods below.
The most recommended method to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form eliminates the need for separate quote forms for every company. One form gets insurance cost estimates from many national carriers.
A more difficult way to get comparison quotes is to manually visit each company website and fill out a new quote form. For example, let’s assume you want rates from GEICO, Safeco and State Farm. You would have to spend time on each company’s site and type in your information over and over, which can get old fast.
For a handy list of car insurance company links in your area, click here.
The hardest method to quote and compare insurance rates is to spend time driving to all the different insurance agencies. The ability to quote online has reduced the need for local agents unless you want the professional assistance of a licensed agent. You can, however, comparison shop online but have a local agent actually write the policy.
Which method you use is up to you, but be sure you’re using nearly identical coverage information with every price quote. If you are comparing different deductibles it’s impossible to make a fair comparison for your Buick Lucerne.
Auto insurance companies don’t necessarily list every disount available very well, so the list below contains some of the more common and the more hidden credits available to lower your premiums when you buy car insurance online.
A little disclaimer on discounts, most discounts do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.
A list of insurance companies and some of the discounts are included below.
Check with each company or agent to apply every possible discount. A few discounts may not apply to policyholders in your state. If you would like to see a list of companies who offer insurance discounts, follow this link.
When choosing adequate coverage, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.
Having a good grasp of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as hitting a bird, theft and vandalism. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as hitting a mailbox, sideswiping another vehicle, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.
Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Lucerne.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Liability coverage can cover injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.
Liability insurance covers things like medical expenses, medical services, emergency aid, attorney fees and pain and suffering. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.
Med pay and PIP coverage provide coverage for bills such as nursing services, EMT expenses and surgery. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage