Are you looking for more affordable Buick Lucerne insurance in Los Angeles? Buying the lowest price Los Angeles Buick Lucerne insurance quotes can seem to be problematic for people new to price shopping online. With such a big selection of agents and companies in the marketplace, how are people able to effectively compare each option to find the cheapest rates?
We don’t have to point out that fact that insurance companies don’t want you quoting rates from other companies. Insureds who shop for lower rates are very likely to buy a different policy because they stand a good chance of finding lower rate quotes. Surprisingly, a recent survey revealed that drivers who made a habit of comparing rate quotes saved as much as $3,500 over four years compared to other drivers who never shopped for cheaper rates.
If finding the best price on car insurance is the reason for your visit, knowing how to get free comparison quotes and analyze insurance can make shopping around easier.
Best companies for competitive Buick Lucerne insurance in California
The companies shown below have been selected to offer price quotes in Los Angeles, CA. If multiple providers are shown, we recommend you visit two to three different companies to find the lowest auto insurance rates.
Rates and detailed analysis
The coverage table displayed next highlights a range of coverage costs for Buick Lucerne models. Having insight into how insurance policy premiums are determined can be valuable when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lucerne CX | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Lucerne CXL | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Lucerne CXL Special Edition | $314 | $630 | $442 | $26 | $132 | $1,544 | $129 |
| Lucerne Super | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Get Your Own Customized Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates significantly.
Safe drivers pay cheaper rates
The illustration below shows how traffic citations and at-fault claims raise Buick Lucerne insurance prices for different age groups. The data assumes a married female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
Buick Lucerne full coverage rates compared to liability only
The illustration below illustrates the comparison of Buick Lucerne auto insurance costs when comparing full coverage to liability only. The premiums assume no claims or driving citations, $250 deductibles, single status, and no discounts are applied to the premium.
When to switch to liability coverage only
There is no written rule for phasing out comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your Buick Lucerne settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying the physical damage deductible. If you are paying more than $500 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some situations where removing full coverage is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not remove full coverage.
Do you qualify for discounts on Buick Lucerne insurance in Los Angeles?
Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you quote, but some discounts are required to be asked for in order for you to get them.
- Drive Less and Save – Driving less can earn lower premium rates due to less chance of an accident.
- Accident Forgiveness Coverage – Not a discount per se, but companies like Allstate, Progressive, and GEICO permit an accident before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.
- Senior Discount – Seniors may receive reduced rates.
- Payment Method – By making one initial payment as opposed to paying monthly you may have a lower total premium amount.
- Resident Student – College-age children who are enrolled in a college that is more than 100 miles from Los Angeles and do not have a car may be able to be covered for less.
- Student Discount for Driver Training – Have your child complete a driver education course in school.
- Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
- New Vehicle Savings – Putting insurance coverage on a new Lucerne can get you a discount compared to insuring an older model.
- Multi-line Discount – Companies who offer life insurance give a break if you buy life insurance.
A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts should help lower the cost of coverage.
The diagram below shows the difference between Buick Lucerne insurance costs with and without discounts. The rate quotes are based on a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, multi-policy, and safe-driver discounts applied.
Insurance companies that possibly offer many of the previously listed discounts include:
Double check with every prospective company which discounts they offer. Some of the discounts discussed earlier might not be offered on policies in your area. To find car insurance companies that offer discounts in Los Angeles, click here to view.
Informed Consumers Can Cut Insurance Costs
A large part of saving on car insurance is knowing some of the things that play a part in calculating your car insurance rates. If you have a feel for what determines base rates, this allows you to make educated decisions that could result in big savings.
Multi-policy discounts can save money – Most major car insurance companies afford better rates to buyers that purchase more than one policy in the form of a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you already get this discount, it’s in your best interest to comparison shop to guarantee you are still saving the most. Drivers may still save money even if you insure with multiple companies
How much liability protection – The liability coverage on your policy will afford coverage in the event that a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so do not skimp.
Vehicles with better crash test results are cheaper to insure – Vehicles with high crash test scores tend to have better insurance rates. Vehicles engineered for safety have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
Claim-free discounts can add up – Auto insurance companies in California give better rates to people who are not frequent claim filers. If you tend to file frequent claims, you can definitely plan on higher rates. Insurance coverage is meant to be used in the event of more catastrophic claims.
You might have higher prices if you are single – Being married can get you a discount when buying car insurance. It translates into being more mature and it’s statistically proven that married drivers tend to have fewer serious accidents.
Never let your coverage lapse – Allowing your car insurance policy to lapse is a quick way to increase your rates. Not only will you pay more, being ticketed for driving with no insurance might get you a license revocation or jail time.
Cheaper to insure women? – Statistics have proven that females take fewer risks when driving. However, don’t assume that males are worse at driving than females. They both cause fender benders in similar percentages, but the men have accidents that have higher claims. Not only that, but men also get higher numbers of serious violations like reckless driving and DUI. Male drivers age 16 to 19 cause the most accidents and therefore are the most expensive to insure.
The illustration below shows the comparison of Buick Lucerne car insurance costs for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, full coverage, $250 deductibles, drivers are single, and no discounts are factored in.
Your credit score is important – Having a good credit score factor in determining what you pay. Drivers with high credit scores tend to be better drivers and file fewer claims than drivers with worse credit. If your credit history leaves room for improvement, you may save money insuring your Buick Lucerne by improving your credit score.
Independent versus exclusive auto insurance agents
Many people would prefer to buy from a local agent and that is a smart decision The biggest benefit of comparing insurance prices online is that you can find cheap rate quotes but also keep your business local.
Upon completion of this quick form, your coverage information gets sent to local insurance agents in Los Angeles who will give you quotes for your coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies because quoted prices will be sent to you directly. You can find better rates without having to waste a lot of time. If for some reason you want to compare rates from a particular provider, you would need to jump over to their website and give them your coverage information.
Selecting an provider should depend on more than just a low price. Any good agent in Los Angeles should know the answers to these questions.
- If they are an independent agency in Los Angeles, which companies do they recommend?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What is the agency’s Better Business Bureau rating?
- Do they see any coverage gaps in your plan?
- Do you qualify for any additional discounts?
Below are Los Angeles auto insurance companies that can give you rate quotes for Buick Lucerne insurance in Los Angeles.
- Public Insurance Agency
10941 W Pico Blvd – Los Angeles, CA 90064 – (310) 234-8600 – View Map - Allstate Insurance: Avo Donoyan
1727 N Vermont Ave Ste 207 – Los Angeles, CA 90027 – (323) 663-8541 – View Map - InsurAide Insurance Agency, Inc. (IIA)
1081 Westwood Blvd Suite 218 – Los Angeles, CA 90024 – (310) 208-3548 – View Map - Odette Manalastas – State Farm Insurance Agent
4448 Eagle Rock Blvd e – Los Angeles, CA 90041 – (323) 254-5800 – View Map
Affordable car insurance premiums are possible
More affordable car insurance in Los Angeles is available from both online companies as well as from insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer the ability to get quotes online and these small, regional companies prefer to sell through local independent agencies.
You just read a lot of ways to lower your Buick Lucerne insurance prices in Los Angeles. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheaper Los Angeles auto insurance quotes. You may even find the best price on car insurance is with some of the lesser-known companies.
As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced liability coverage limits only to regret that it was a big mistake. Your objective should be to buy enough coverage at the best price, not the least amount of coverage.
Helpful articles
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Who Has Cheap Los Angeles Auto Insurance Quotes for Postal Workers? (FAQ)
- Who Has Cheap Car Insurance for Drivers with Accidents in Los Angeles? (FAQ)
- Learn About Car Insurance (GEICO)
- Safe Vehicles for Teens (iihs.org)
- Understanding Limits and Deductibles (Allstate)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)