2008 Buick Lucerne Car Insurance Quotes

Wish you could get a refund on overpriced car insurance? It’s a common feeling and you’re not alone.

Lots of insurers contend to insure your vehicles, so it can be very hard to choose a insurer to find the absolute lowest cost out there.

Consumers should take time to check car insurance prices yearly due to the fact that insurance prices change regularly. Despite the fact that you may have had the best deal on Lucerne coverage on your last policy a different company probably has better premium rates today. You’ll find quite a bit of inaccurate information about car insurance on the internet, but I’m going to show you some guaranteed methods to quit paying high car insurance rates.

These discounts can lower your car insurance rates

Companies offering auto insurance do not advertise every policy discount very well, so we took the time to find both well-publicized as well as the least known discounts that you may qualify for.

  • Multiple Vehicles – Buying coverage for more than one vehicle with the same car insurance company can reduce the rates for all insured vehicles.
  • Paperless Signup – Some larger companies will give a small break for buying your policy on their website.
  • Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates on your policy.
  • Discounts for New Vehicles – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for new model year vehicles.
  • Good Grades Discount – Maintaining excellent grades can earn a discount of 20% or more. You can use this discount normally up to age 25.
  • Discounts for Safe Drivers – Safe drivers can save as much as half off their rates on Lucerne coverage than less cautious drivers.
  • Theft Deterent System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Telematics Data Discounts – Insureds that choose to allow their insurance company to monitor driving patterns by using a small device installed in their vehicle like Allstate’s Drivewise may see discounts if they have good driving habits.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for lower rates due to less chance of an accident.
  • Discount for Passive Restraints – Factory options such as air bags can qualify for discounts of more than 20%.

Discounts reduce rates, but you should keep in mind that some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, it just doesn’t work that way.

A list of companies and some of the premium reductions they offer include:

  • GEICO offers discounts including five-year accident-free, anti-theft, anti-lock brakes, daytime running lights, and emergency military deployment.
  • MetLife has savings for accident-free, good student, multi-policy, claim-free, defensive driver, good driver
  • State Farm policyholders can earn discounts including passive restraint, good student, good driver, anti-theft, Drive Safe & Save, and Steer Clear safe driver discount.
  • Progressive discounts include homeowner, online quote discount, good student, multi-policy, online signing, and multi-vehicle.
  • Mercury Insurance may offer discounts for ease of repair, good driver, annual mileage, multi-car, location of vehicle, and type of vehicle.
  • 21st Century has discounts for theft prevention, good student, automatic seat belts, air bags, student driver, homeowners, and teen driver.
  • Allstate may have discounts that include utility vehicle, good payer, early signing, good student, passive restraint, safe driver, and teenSMART discount.

If you need lower rates, check with all the companies how many discounts you can get. Some discounts listed above may not be available in your area. If you would like to view car insurance companies that provide some of the discounts listed above, click this link.

Why smart buyers pay less for Buick Lucerne insurance

Lots of things are considered when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but others are less apparent such as your marital status or your vehicle rating.Part of the insurance coverage buying process is learning some of the factors that play a part in calculating your policy premiums. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that could result in lower insurance coverage prices.

The following are some of the most rate-impacting factors that factor into prices.

  • Know your vehicle’s NHTSA crash test rating – Safer cars tend to have lower insurance rates. Vehicles engineered for safety reduce occupant injuries and lower injury rates means your insurance company pays less and cheaper rates on your policy.
  • Your gender affects costs – The statistics show that females take fewer risks when driving. It does not mean men are worse drivers. They both are responsible for auto accidents in similar percentages, but men have accidents that have higher claims. Not only are claims higher, but men get more serious tickets like DWI (DUI) or reckless driving.
  • Your liability limits – A critical coverage on your policy, liability insurance will protect you when you are determined to be liable for damages caused by your negligence. Your liability coverage provides for a legal defense to defend your case. This coverage is relatively inexpensive compared to comp and collision, so drivers should carry high limits.
  • Good credit saves on insurance coverage – Having a bad credit rating can be an important factor in determining premium rates. People with excellent credit tend to file fewer claims as compared to drivers with bad credit. If your credit rating is low, you may save money insuring your 2008 Buick Lucerne if you improve your credit rating.
  • Incidental coverages push up rates – Policies have extra add-on coverages that sound like a good idea at the time on your 2008 Lucerne policy. Coverage for things like replacement cost coverage, towing coverage, and additional equipment coverage are probably not needed. They may seem good when buying your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Big cities have higher costs – Having an address in a small town can save you money when talking about insurance coverage. Drivers in populated areas have more auto accidents and more time behind the wheel. Less people living in that area means less chance of accidents and also fewer theft and vandalism claims.
  • High premiums for teen drivers – Drivers with little experience tend to be careless and easily distracted in a vehicle therefore insurance coverage rates are much higher. Having to add a youthful driver to your insurance coverage policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
  • Infrequent drivers can save – The higher the miles on your Buick in a year the more you’ll pay to insure it. Many insurance companies rate vehicles based upon how the vehicle is primarily used. Autos that are left in the garage receive lower rates than vehicles that are driven to work every day. It’s always a good idea to double check that your policy properly reflects how each vehicle is driven, because it can save money. A policy that improperly rates your Lucerne may be wasting your money.

Different people need different insurance coverages

When choosing the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether you might need an agent’s assistance.

  • Which companies will insure high-risk drivers?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Does my policy cover my teen driver if they drive my company car?
  • Who is covered by my policy?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Educate yourself about insurance coverages

Understanding the coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for expenses for things like surgery, X-ray expenses and hospital visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability coverages – Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, attorney fees, funeral expenses, emergency aid and medical services. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a broken windshield, damage from flooding, falling objects and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 2008 Buick Lucerne.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – This coverage covers damage to your Lucerne from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, colliding with another moving vehicle, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Summing up your car insurance search

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The goal is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

We just presented some good ideas how you can shop for 2008 Buick Lucerne insurance online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding cheap insurance. You may be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

Additional information can be found at these links: