2007 Buick Lucerne Insurance Quotes – 8 Tips for Best Rates

Trying to find cheaper insurance rates for your Buick Lucerne? I doubt anyone anticipates paying for insurance, especially knowing they could find better prices if they shop around.

You have multiple car insurance companies to purchase coverage from, and even though it’s nice to have a selection, lots of choices makes it harder to get the best deal.

It’s a great practice to quote other rates on a regular basis due to the fact that insurance rates tend to go up over time. Despite the fact that you may have had the lowest premium rates on Lucerne insurance last year a different company probably has better prices today. You’ll find quite a bit of inaccurate information about insurance online, but in a few minutes you can learn some of the best ways to buy insurance cheaper.

How to lower your auto insurance cost

There are multiple methods to shop for auto insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking to agents in your area, or you can utilize the internet to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program where prospective buyers only type in their quote data once, and each company then gives them pricing based on that information. This saves time by eliminating form submissions to each individual auto insurance company. To find out what other companies charge click here (opens in new window).

One minor caviat to getting quotes like this is you cannot specify which providers to get quotes from. If you prefer to choose individual companies to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

The approach you take is up to you, just be sure you’re using the exact same coverage limits for each comparison quote. If you are comparing different coverage information you will not be able to find the best deal for your Buick Lucerne. Just slight variations in coverages can mean a large discrepancy in price. Just remember that comparing a wide range of rates will improve the odds of getting a lower rate than you’re paying now. Not every company allows you to get online quotes, so you also need to get quotes from those companies as well.

Insurance advertising tricks

Insurance providers like Allstate, Geico and Progressive consistently run ads on TV and radio. All the ads convey the message of big savings if you change your policy. How is it plausible that every one can charge less that you’re paying now? Here is the trick they use.

Many companies look for specific characteristics for the type of driver that earns them a profit. A good example of a desirable insured should be a married female, has a clear driving record, and drives less than 5,000 miles a year. A propective insured who meets those qualifications receive the lowest rate quotes and is almost guaranteed to save money with a new company.

Potential insureds who do not fit these stringent criteria will probably have to pay higher premiums and this results in the prospect going elsewhere. If you listen closely, the ads state “drivers who switch” not “everyone that quotes” save that kind of money. That’s why companies can truthfully make claims like that. That is why you really need to compare price quotes frequently. Because without a comparison, you cannot know which company will have the lowest prices for your situation.

Cheaper rates by taking advantage of these eight discounts

Some providers do not list all disounts very clearly, so we took the time to find a few of the more well known and also the lesser-known credits available to bring down your rates.

• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.
• Early Payment Discounts – By paying your policy upfront instead of paying each month you may reduce your total bill.
• Distant Student Discount – Youth drivers who live away from home at college and do not have a car could get you a discount.
• Defensive Driver Discounts – Completing a class that teaches defensive driving techniques could possibly earn you a 5% discount and make you a better driver.
• Waiver for an Accident – but certain companies allow you one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.
• Driving Data Discount – Drivers who elect to allow driving data collection to study when and where they use their vehicle remotely such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they are good drivers.
• Homeowners Savings – Just owning your own home can save you money because owning a home requires a higher level of personal finance.
• Passenger Safety Discount – Cars that have air bags or automatic seat belts can get savings of more than 20%.

As a footnote on discounts, some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A partial list of companies who might offer some of the above discounts are:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

If you need lower rates, check with every prospective company to give you their best rates. Some credits might not apply in your area. If you would like to choose from a list of companies who offer free insurance coverage quotes, click this link.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover if you will benefit from professional help.

• Does my policy pay for OEM or aftermarket parts?
• Is my 2007 Buick Lucerne covered for flood damage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I need to file an SR-22 for a DUI in my state?
• Am I covered if I hit a deer?
• What should my uninsured motorist coverage limits be in my state?
• Can I drive in Mexico and have coverage?
• Should I have a commercial auto policy?
• Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverages

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Buick Lucerne.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as loss of income, pain and suffering, court costs and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

Collision insurance covers damage to your Lucerne resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, damaging your car on a curb, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills like dental work, prosthetic devices, funeral costs and X-ray expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, fire damage, vandalism, a broken windshield and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Summing up your insurance search

In this article, we presented quite a bit of information on how to lower your 2007 Buick Lucerne insurance premium rates. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable car insurance. Consumers could even find that the lowest premium rates come from a company that doesn’t do a lot of advertising. They often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

More tips and info about insurance can be found at these sites:

• Credit Impacts Car Insurance Rates (State Farm)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Insuring a Leased Car (Insurance Information Insitute)