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Buick Lucerne Insurance Rates

Finding cheaper car insurance from online companies is easy, plus you might just save a little. The key is to get rates from as many companies as possible so you can get the lowest priced insurance.

Consumers who are new to the process of buying insurance may think finding cut-rate Lucerne insurance can be quite difficult. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The best method to find competitive Lucerne insurance cost is to perform an online rate comparison. This can be done by completing this short form.

FREE Car Insurance Comparison

Premiums are calculated by the following

Auto insurance rates for your Buick Lucerne can fluctuate considerably based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating impacts rates
  • Male rates may be higher
  • Low deductibles cost more
  • Crash test rating for your Lucerne
  • What you do for a living
  • The level of coverage
  • Home ownership saves money

A final factor which can affect Lucerne insurance rates is the model year. Models that are a few years old have a lower value in comparison to older models so the payout to repair will push premiums down. Conversely, newer vehicles may have a trim level with safety features such as autonomous braking, tire pressure monitors, and dual-stage airbags which may give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverage - Liability insurance can cover damage or injury you incur to other's property or people that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage - This covers damage to your Buick resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your Buick Lucerne comprehensive insurance. The most your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance program or if you do not have health coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Buick Lucerne Insurance Rates?