View 2010 Buick Lucerne Insurance Cost

Locating the cheapest insurance coverage can appear to be somewhat intimidating for people who are new to comparison shopping online. With dozens of online companies, how are people expected to have time to compare every company to locate the cheapest rates?

Get lower-cost rates by taking advantage of discounts

Car insurance can cost a lot, but you can get discounts that you may not even know about. Some discounts apply automatically at quote time, but some must be manually applied before being credited.

• Distant Student Discount – College-age children who are attending college and do not have a car may be insured at a cheaper rate.
• Low Mileage Discounts – Fewer annual miles on your Buick can qualify you for discounted rates on garaged vehicles.
• Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
• Senior Discount – Drivers that qualify as senior citizens may receive a discount up to 10% for Lucerne insurance.
• Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• New Vehicle Savings – Insuring a vehicle that is new can save you some money compared to insuring an older model.
• Discounts for Safe Drivers – Accident-free drivers may save up to 50% more for Lucerne insurance as compared to drivers with claims.
• Driver’s Ed – Teen drivers should participate in a local driver’s education class in school.
• Air Bag Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
• Bundled Policy Discount – If you can combine your auto and home policy and place coverage with the same company you will save at least 10 to 15 percent or more.

You should keep in mind that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like you could get a free car insurance policy, you won’t be that lucky. Any amount of discount will definitely lower the premium cost.

A few of the larger companies and some of the premium reductions they offer are included below.

• Geico discounts include five-year accident-free, membership and employees, defensive driver, military active duty, driver training, multi-policy, and anti-lock brakes.
• MetLife may offer discounts for good driver, good student, claim-free, defensive driver, accident-free, and multi-policy.
• State Farm has savings for Drive Safe & Save, anti-theft, driver’s education, multiple autos, accident-free, defensive driving training, and multiple policy.
• Progressive includes discounts for online quote discount, good student, online signing, multi-policy, multi-vehicle, homeowner, and continuous coverage.
• Mercury Insurance may have discounts that include professional/association, multi-car, type of vehicle, low natural disaster claims, age of vehicle, and good driver.
• 21st Century offers premium reductions for homeowners, good student, automatic seat belts, 55 and older, early bird, theft prevention, and student driver.
• Allstate offers discounts for teenSMART discount, senior citizen, multi-policy, auto/life discount, new car, and premier discount.

Before purchasing a policy, check with each company or agent which discounts they offer. Some discounts might not apply in every state.

Five things that affect your insurance costs

It’s important that you understand some of the factors that aid in calculating your auto insurance rates. If you know what controls the rates you pay, this helps enable you to make changes that can help you get cheaper rates. Many factors are used when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other criteria are more obscure such as your credit history and annual miles driven.

The items below are just a few of the factors that factor into your prices.

• Never go without auto insurance – Going without insurance can be a quick way to increase your auto insurance rates. And not only will your rates increase, getting caught without coverage can result in a revoked license or a big fine.
• Gender impacts premiums – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, don’t assume that females are better at driving than males. They both cause accidents in similar numbers, but the males get into accidents with more damage. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
• Car plus home equals more savings – Most larger insurers afford a discount to insureds who buy several policies from them, otherwise known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you qualify for this discount already, consumers should still compare other insurance prices to confirm you are receiving the best rates possible. You may still be able to save more without the discount by splitting coverages up.
• Younger drivers pay higher prices – Inexperience drivers are known to be more careless behind the wheel therefore auto insurance rates are much higher. More experienced drivers are proven to be safer behind the wheel, are lower risk to insure and get fewer tickets.
• Vehicles with better crash test results are cheaper to insure – Cars with high safety ratings cost less to insure. Safe vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and lower rates for you.

How much auto insurance do I need?

When buying the best auto insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help highlight if your insurance needs may require specific advice.

• Do I have coverage when using my vehicle for my home business?
• If my 2010 Buick Lucerne is totaled, can I afford another vehicle?
• What if I don’t agree with a claim settlement offer?
• Does my insurance cover a custom paint job?
• Do I need higher collision deductibles?
• Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, damage from getting keyed, falling objects, damage from flooding and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Lucerne.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like attorney fees, court costs, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses such as ambulance fees, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

A little work can save a LOT of money

We just presented many ways to reduce 2010 Buick Lucerne insurance rates online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the lowest rates are with the smaller companies.

Lower-priced insurance can be sourced online in addition to many insurance agents, so get free insurance quotes from both of them so you have a total pricing picture. Some companies do not provide price quotes online and usually these smaller companies provide coverage only through independent insurance agencies.

People who switch companies do it for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, extreme rates for teen drivers and even policy non-renewal. It doesn’t matter why you want to switch switching insurance companies can be easier than you think.

To learn more, feel free to visit the resources below:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Child Safety FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)
• What is Full Coverage? (Allstate)