2011 Buick Lucerne Car Insurance Rates – 10 Policy Discounts

I doubt anyone looks forward to paying premiums for insurance coverage, especially when it costs too dang much.

Big companies like Allstate and Progressive constantly bombard you with catchy ads and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Finding the best rates is not rocket science. Although drivers should learn how insurance companies compete online and take advantage of how the system works.

How to buy car insurance online

Comparing car insurance rates can take hours if you don’t understand the most efficient way to do it. You could waste a few hours talking about coverages with local insurance agents in your area, or you could use the web for quick rates.

Many of the larger companies belong to a marketplace where prospective buyers send in one quote, and every company then gives them pricing for coverage. This saves time by eliminating quotation requests for each company you want a rate for. To participate in this free quote system, click here (opens in new window).

The one downside to using this type of form is you can’t choose which carriers to get quotes from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but make sure you are using the same coverages on every price quote you get. If you are comparing differing limits you will not be able to find the best deal for your Buick Lucerne. Slightly different insurance coverages could skew the results. And when quoting car insurance, remember that quoting more gives you a better chance of getting more affordable insurance. Some smaller insurers to not give online price quotes, so it’s important to also get rates on coverage from those companies, too.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you may require specific advice.

• Am I covered when pulling a rental trailer?
• What is no-fault insurance?
• When would I need rental car insurance?
• Is a new car covered when I drive it off the dealer lot?
• Am I covered if I drive in a foreign country?
• Is there coverage for injuries to my pets?
• Should I file a claim if it’s only slightly more than my deductible?
• Is my cargo covered for damage or theft?
• Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on the average insurance policy.

Liability – Liability coverage protects you from damage that occurs to people or other property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like bail bonds, funeral expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your 2011 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. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are similar to your liability insurance amounts.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, doctor visits, surgery and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, a tree branch falling on your vehicle, damage from flooding and theft. The maximum amount your 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.