2007 Buick Lucerne Insurance Cost

No one likes paying for auto insurance, in particular when the price is too high. Drivers have multiple auto insurance companies to insure vehicles with, and though it is a good thing to have a choice, it makes it harder to compare rates and cut insurance costs.

It’s important to check auto insurance prices once or twice a year since rates change frequently. If you had the best deal for Lucerne insurance six months ago there may be better deals available now. There is a lot of bad advice regarding auto insurance online but by reading this article, you’re going to learn a bunch of ideas how to put money back in your pocket.

Insurance Coverage Comparison Rates

Finding a lower price on 2007 Buick Lucerne insurance is not rocket science. You just need to take the time comparing rate quotes online with multiple companies. This can be accomplished in several different ways.

  • The recommended way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for multiple quote forms to each individual insurance coverage company. Just one form gets you price quotes from multiple companies.
  • A different way to find lower rates is to take the time to go to the website for each individual company to complete a price quote. For instance, let’s say you want to compare Geico, Progressive and American Family. You would have to visit each site to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  • The least efficient method to compare rates is to spend time driving to local insurance agencies. Shopping for insurance coverage online makes this process obsolete unless you have a need for the professional guidance of a local agent. Drivers can comparison shop online but buy from a local insurance agent and we’ll cover that in a bit.

Whichever way you use, ensure you’re using identical coverage information on every quote you get. If you compare different liability limits it’s not possible to make a fair comparison for your Buick Lucerne.

Lesser-known factors impacting Buick Lucerne insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with better auto insurance rates.

The list below includes a few of the “ingredients” used by your company to calculate rates.

  • Lower miles equals lower premium – The more miles you rack up on your Buick each year the more you will pay for auto insurance. Most companies charge to insure your cars based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. An improperly rated Lucerne can cost quite a bit. Double check that your auto insurance policy properly reflects how each vehicle is driven.
  • Claim-free discounts can add up – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies provide better rates to people who are claim-free. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • High crash test scores lower rates – Safer cars get lower rates. These vehicles protect occupants better and better occupant protection means less money paid by your insurance company and thus lower rates. If the Buick Lucerne is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Rates may be lower depending on your job – Careers like judges, executives and financial analysts tend to have higher average rates in part from stressful work requirements and long work hours. Conversely, professions such as farmers, engineers and retirees receive lower rates for Lucerne insurance.

Lots of discounts mean lots of savings

Car insurance can cost a lot, but there are discounts available that can drop the cost substantially. Most are applied when you purchase, but some must be manually applied prior to receiving the credit. If you don’t get every credit available, you’re paying more than you need to.

  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Accident Waiver – A few companies allow you one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% for Lucerne insurance.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more off the personal injury premium cost.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.

It’s important to note that some credits don’t apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. But any discount will reduce the amount you have to pay.

For a list of insurance companies who offer insurance coverage discounts, click here to view.

Situations that might require an agent

When choosing the best auto insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Am I covered when driving in Canada or Mexico?
  • Can my teen driver be rated on a liability-only vehicle?
  • When would I need rental car insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered by my spouse’s policy after a separation?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Having a good grasp of auto insurance can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average auto insurance policy.

Liability insurance

This coverage protects you from damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like repair costs for stationary objects, legal defense fees, funeral expenses and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Buick Lucerne.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, rolling your car, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills for things like hospital visits, chiropractic care, EMT expenses and funeral costs. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, vandalism, hail damage and hitting a bird. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Smart consumers save more

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability coverage limits to discover at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.

Throughout this article, we presented many tips how you can compare 2007 Buick Lucerne insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from a small local company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

More detailed auto insurance information can be read at these sites: