2006 Buick Lucerne Insurance Cost – 9 Tips for Cheapest Prices

Trying to find the cheapest car insurance rates for your Buick Lucerne? Paying cheap rates for Driverscar insurance could be challenging for drivers not familiar with online insurance quotes. With so many insurers available, it can turn into a real hassle to find cheaper car insurance rates.

It is always a good idea to do price comparisons before your policy renews because insurance prices change frequently. Even if you think you had the best quotes on Lucerne coverage two years ago you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the tricks you need to know to find lower rates on car insurance.

Get cheap insurance coverage quotes with discounts

Some companies don’t always publicize every disount available in an easy-to-find place, so the following is a list of a few of the more common as well as the least known credits that may apply to you.

  • One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will forgive one accident before raising your premiums with the catch being you have to be claim-free prior to the accident.
  • Air Bag Discount – Options like air bags and/or automatic seat belt systems may get savings of 25 to 30%.
  • Distant Student – who attend college more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
  • Life Insurance – Some companies give lower premium rates if you buy life insurance.
  • Professional Organizations – Joining certain professional organizations could earn you a nice discount when shopping for insurance coverage.
  • Pay Upfront and Save – By making one initial payment rather than spreading payments over time you may have a lower total premium amount.
  • Military Rewards – Being on active deployment in the military could qualify you for better premium rates.
  • Sign Early and Save – A few companies give discounts for buying a new policy prior to your current policy expiring. Ten percent is about the average savings.
  • Driver Education Discount – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.

As a footnote on discounts, many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, you aren’t that lucky. Any qualifying discounts will help reduce the amount you have to pay.

Companies and their possible discounts are:

  • Geico discounts include multi-vehicle, five-year accident-free, multi-policy, air bags, anti-lock brakes, military active duty, and anti-theft.
  • Travelers may offer discounts for save driver, home ownership, IntelliDrive, continuous insurance, multi-policy, early quote, and new car.
  • Nationwide has savings for anti-theft, good student, defensive driving, multi-policy, business or organization, and family plan.
  • Farmers Insurance policyholders can earn discounts including teen driver, mature driver, good student, switch companies, and youthful driver.
  • Esurance may include discounts for anti-theft, DriveSense, claim free, anti-lock brakes, and online quote.
  • State Farm offers premium reductions for Drive Safe & Save, accident-free, passive restraint, good student, defensive driving training, and student away at school.
  • Progressive offers discounts including good student, multi-policy, online signing, continuous coverage, and online quote discount.
  • Mercury Insurance may have discounts that include multi-policy, good student, location of vehicle, good driver, accident-free, and professional/association.

If you are trying to find the cheapest insurance coverage quotes, ask each company which discounts you may be entitled to. A few discounts may not apply to policies in your state. For a list of insurance companies that provide some of the discounts listed above, click this link.

How to buy auto insurance online

There are a lot of ways you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You can waste hours discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to quickly compare rates.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers complete one form, and every company then returns a price quote based on that data. This prevents consumers from doing form submissions for each company you want a rate for. To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to using this type of system is that consumers can’t choose the providers you want pricing from. So if you prefer to choose specific providers to compare, we have a listing of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but try to use identical coverage limits for every company. If you enter different limits and deductibles on each one it will be nearly impossible to make a fair comparison for your Buick Lucerne. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that comparing more rates from different companies provides better odds of finding the best price.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions may help highlight if you might need an agent’s assistance.

  • How many claims can I have before being cancelled?
  • Will my rates increase for filing one claim?
  • When would I need rental car insurance?
  • Can my teen drive my company car?
  • How much liability coverage do I need in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do all my vehicles need collision coverage?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Coverage specifics

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage protection

Collision coverage will pay to fix damage to your Lucerne resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, driving through your garage door, crashing into a ditch, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as ambulance fees, prosthetic devices, hospital visits and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, theft, damage from getting keyed and vandalism. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

This can cover damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like attorney fees, bail bonds and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Buick Lucerne.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Don’t be a big spender

In this article, we covered a lot of ways to shop for 2006 Buick Lucerne insurance online. The key thing to remember is the more you quote insurance coverage, the better likelihood of getting the cheapest insurance coverage. You may be surprised to find that the lowest auto insurance rates are with a small mutual company.

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. In too many instances, an insured cut liability limits or collision coverage to discover at claim time that it was a big error on their part. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Insureds switch companies for any number of reasons including questionable increases in premium, being labeled a high risk driver, policy cancellation and even denial of a claim. Regardless of your reason for switching companies, finding a new company is pretty easy and you might even save some money in the process.

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