2008 Buick Lucerne Car Insurance Rates

Looking for cheaper auto insurance rates for your Buick Lucerne? No car owner looks forward to paying premiums for auto insurance, especially when they could lower their rates if they shopped around.

Consumers have many auto insurance companies to insure vehicles with, and although it’s nice to have a selection, more options can take longer to find a good deal.

You need to check auto insurance prices before your next renewal because auto insurance rates change quite often. If you had the best rate for Lucerne insurance at your last renewal you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to teach you the right way to properly buy coverages and cut your premium.

Compare free insurance rate quotes

To find the best insurance quotes, there are several ways of comparing rates from different insurance companies. The simplest method to find the lowest 2008 Buick Lucerne rates is simply to get online rate quotes. It is quite easy and can be accomplished in a couple of different ways.

  1. Probably the best way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This style of form eliminates the need for repetitive form submissions for every company. A single, simple form gets prices estimates instantly.
  2. A slightly less efficient method to get comparison quotes requires you to visit the website for every company you want to comare and request a quote. For examples sake, let’s assume you want to compare prices for Liberty Mutual, 21st Century and American Family. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

The method you choose is up to you, but make absolute certain that you use nearly identical coverage data on every quote you get. If you compare unequal deductibles or liability limits you will not be able to determine the lowest rate for your Buick Lucerne. Even a minor difference in coverage limits could throw off the whole comparison. And when comparison shopping, getting more free quotes increases the change that you will find a lower rate. Some companies don’t provide prices over the internet, so it’s important to compare rates from them as well.

Double check you’re getting these discounts

Companies that sell car insurance don’t necessarily list the entire discount list very clearly, so we break down some of the more common and the more hidden credits that you can use to lower your rates.

  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
  • Pay Upfront and Save – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
  • E-sign Discounts – Certain car insurance companies will discount your bill up to fifty bucks for signing up over the internet.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your insurance coverage quote.
  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control have fewer accidents and will save you 10% or more.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies before your current expiration date. You can save around 10% with this discount.
  • First Accident Forgiveness – Not really a discount, but companies like Allstate, State Farm and GEICO will turn a blind eye to one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Safety Course Discount – Taking part in a defensive driver course could earn you a small percentage discount depending on where you live.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you can get free auto insurance, company stockholders wouldn’t be very happy.

If you would like to view insurers who offer free car insurance quotes, follow this link.

Special considerations

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover if your insurance needs could use an agent’s help.

  • I have health insurance so do I need medical payments coverage?
  • Should I get collision insurance on every vehicle?
  • If I drive on a suspended license am I covered?
  • Can I afford low physical damage deductibles?
  • Are my friends covered when driving my car?
  • What is PIP insurance?
  • Should I rate my 2008 Buick Lucerne as pleasure use or commute?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Eight factors that influence insurance costs

Part of the insurance coverage buying process is learning some of the elements that are used to determine the level of your policy premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to better insurance coverage rates. Many different elements are part of the equation when you quote your car insurance policy. Some are pretty understandable such as your driving record, but other criteria are not as apparent like where you live or how safe your car is.

  • Where you call home factors in – Residing in a rural area can save you money when talking about insurance coverage. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Higher commute times can result in more accidents.
  • Safety first – Vehicles with high crash test scores can get you lower premiums. The safest vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and cheaper rates on your policy.
  • Car plus home equals more savings – The majority of companies apply better rates to buyers who buy several policies from them such as combining an auto and homeowners policy. The amount of the discounts can be anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to get quotes from other companies to make sure you are getting the best deal.There is a good possibility that you can save even more than the discount by buying from different companies
  • Higher rates for specific employers – Careers such as military generalsair traffic controllers and stock brokers are shown to have the highest average rates due to intense work-related stress and lots of time spent away from family. On the other hand, careers like actors, students and homemakers get better rates for Lucerne insurance.
  • Do you know you’re credit rating? – An insured’s credit rating can be an important factor in calculating your insurance coverage rates. People with high credit scores tend to file fewer claims and have better driving records than those with worse credit. Therefore, if your credit score can use some improvement, you may save money insuring your 2008 Buick Lucerne if you clean up your credit.
  • Higher physical damage deductibles cost less – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of covered claims would be running into the backend of another car, hail damage, and damage caused by flying debris. Comp and collision deductibles state the amount of money you are willing to pay if you file a covered claim. The larger the amount the insured has to pay upfront, the lower your rates will be for Lucerne insurance.
  • GPS tracking and theft deterrents lowers insurance coverage rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your premiums. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your car from being stolen.
  • Defend yourself with liability coverage – Your policy’s liability coverage will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.

But they said I’d save $421 a year!

Insurance companies such as State Farm and Allstate seem to constantly run ads on TV and radio. All the companies tend to make the same promise about how much you will save if you just switch your insurance coverage to their company. How can each company charge you a lower premium? This is the trick they use.

Companies give the best rates for the type of insured that earns them the most money. A good example of this type of risk profile could be a married male, owns a home, and the vehicle is rated for pleasure use. Any customer who fits those characteristics will get the preferred prices and will pay quite a bit less when switching companies.

Drivers who are not a match for these criteria will be charged a more expensive rate with the end result being the customer buying from someone else. If you pay close attention to the ads, they say “drivers that switch” not “everyone that quotes” save that much when switching. That is how insurance companies can make it sound like they have such great prices.

Because of these techniques, you should get a wide range of price quotes. Because you never know which insurance company will have the best premium rates at this point in time.

Insurance coverage options for a 2008 Buick Lucerne

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, a tree branch falling on your vehicle, theft, falling objects and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision coverage covers damage to your Lucerne resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, backing into a parked car, colliding with a tree, rolling your car and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Liability – This coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as structural damage, legal defense fees and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for immediate expenses for dental work, EMT expenses, nursing services, rehabilitation expenses and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Buick Lucerne.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Make an honest buck

When buying insurance coverage, you should never skimp on coverage in order to save money. In many cases, consumers will sacrifice physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

Cheaper 2008 Buick Lucerne insurance can be purchased from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not provide rate quotes online and these smaller providers only sell through independent insurance agencies.

You just read a lot of ways to compare 2008 Buick Lucerne insurance premium rates online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest premium rates are with a small mutual company. Some small companies often have lower prices on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

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