Cheapest Insurance for a Buick Lucerne in Sacramento

Discount Buick Lucerne insuranceHow many times have you told yourself to find low-cost car insurance rates in Sacramento, CA? Sacramento consumers have lots of choices when looking for the lowest priced Buick Lucerne insurance. You can either waste hours struggling with agents to compare prices or save time using the internet to make rate comparisons. There is a better way to find car insurance online so you’re going to learn the best way to price shop coverage for a new or used Buick and locate the cheapest rates from Sacramento insurance agents and online providers.

Smart consumers take time to compare rates periodically because car insurance prices are rarely the same from one policy term to another. Just because you found the best rates on Buick Lucerne insurance in Sacramento two years ago a different company probably has better premium rates today. Ignore everything you know about car insurance because you’re about to learn the best methods to find better coverage on Buick Lucerne insurance in Sacramento at a better price.

Getting a more affordable price on insurance isn’t really that difficult. Drivers just need to take a couple of minutes comparing price quotes to see which company has inexpensive Sacramento auto insurance quotes.

The companies shown below can provide free quotes in California. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.

Insurance policy discounts for Buick Lucerne insurance in Sacramento

Some companies do not advertise the entire discount list in a way that’s easy to find, so we break down some of the more common and the harder-to-find ways to save on insurance.Insurance discounts

As a sidenote, many deductions do not apply to the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic.

The illustration below compares Buick Lucerne insurance rates with and without discounts applied to the rates. The price estimates are based on a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, claim-free, and safe-driver discounts applied.

A list of insurance companies and some of the premium reductions they offer are included below.

It’s a good idea to ask every prospective company the best way to save money. Some of the earlier mentioned discounts may not apply in your state.

Insurance coverage details

The price information shown next showcases detailed analysis of insurance prices for Buick Lucerne models. Understanding how insurance quotes are formulated can assist in making smart policy decisions.

Buick Lucerne Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $430 $810 $442 $26 $132 $1,840 $153
Lucerne CXL $430 $810 $442 $26 $132 $1,840 $153
Lucerne CXL Special Edition $430 $932 $442 $26 $132 $1,962 $164
Lucerne Super $478 $932 $442 $26 $132 $2,010 $168
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price information does not factor in Sacramento location which can affect prices noticeably.

Should you raise deductibles?

One of the most common insurance questions is how high should the physical damage coverage deductibles be. The comparison tables below help summarize how much more you’ll pay when you select higher and lower comp and collision deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Buick Lucerne insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $386 $678 $442 $26 $132 $1,689 $141
Lucerne CXL $386 $678 $442 $26 $132 $1,689 $141
Lucerne CXL Special Edition $386 $780 $442 $26 $132 $1,791 $149
Lucerne Super $430 $780 $442 $26 $132 $1,835 $153
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Buick Lucerne insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $238 $426 $442 $26 $132 $1,264 $105
Lucerne CXL $238 $426 $442 $26 $132 $1,264 $105
Lucerne CXL Special Edition $238 $490 $442 $26 $132 $1,328 $111
Lucerne Super $266 $490 $442 $26 $132 $1,356 $113
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific location which can modify coverage rates significantly.

Based on these figures, using a $250 deductible costs roughly $37 more each month or $444 for a full year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 20 months between claims, you would more than likely save some money if you decide on a higher deductible.

The chart below illustrates how choosing a deductible and can raise or lower Buick Lucerne insurance costs for different age groups. The premiums are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Impact of violations and accidents on rates

The information below demonstrates how speeding tickets and fender-benders can raise Buick Lucerne car insurance costs for each age group. The premium estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Gender-based insurance premiums in Sacramento

The illustration below shows the comparison of Buick Lucerne auto insurance costs for male and female drivers. The data is based on a clean driving record, no claims, comp and collision included, $100 deductibles, drivers are single, and no other discounts are factored in.

Rate difference between full and liability-only coverage

The chart below compares Buick Lucerne insurance premiums when comparing full coverage to liability only. The information is based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied to the premium.

When to drop comprehensive and collision coverage

There is no set rule for excluding physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Buick Lucerne replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after paying your deductible. If you are paying over $700 a year for full coverage, then it might be time to consider dropping full coverage.

There are some cases where removing full coverage is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.

When to talk to an insurance agent

Some people still prefer to talk to an insurance agent and doing that can be a smart decision Professional agents are very good at helping people manage risk and give you someone to call. An additional benefit of comparing rates online is you can get lower prices and still have an agent to talk to.

Upon completion of this simple form, your information is immediately sent to companies in Sacramento who will give competitive quotes for your insurance coverage. You never need to search for any insurance agencies because prices are sent directly to you. If for some reason you want to quote rates for a specific company, you just need to search and find their rate quote page and submit a quote form there.

Choosing the best company should depend on more than just a cheap price quote. Agents should be asked these questions:

Exclusive agents vs. Independent agents

If you want a reputable agency, there are two different agency structures and how they can service your needs differently. Auto insurance policy providers can be described as either independent agents or exclusive agents depending on their employer. Both types of agents can sell auto insurance policies, but it is important to understand the difference in the companies they write for since it can impact which agent you choose.

Exclusive Agencies

Agents that choose to be exclusive can only write with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot place coverage with different providers so they really need to provide good service. Exclusive agencies are highly trained on their company’s products which can be an advantage. Many people use the same exclusive agent mostly because of the brand name and solid financial strength.

The following are Sacramento exclusive agents who can help you get rate quotes.

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Independent Agents

Agents that elect to be independent do not write with just one company and that enables them to quote your coverage with multiple insurance companies and find you cheaper rates. If they find a lower price, the business is moved internally which is easy for the insured. If you need cheaper auto insurance rates, you should always get several quotes from several independent insurance agents for the best price selection. They also have the ability to place coverage with companies that do not advertise much which could offer lower prices.

The following are independent agents in Sacramento that can give you comparison quotes.

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Three main reasons to buy insurance

Despite the high insurance cost for a Buick Lucerne in Sacramento, insuring your vehicle may not be optional for several reasons.

First, most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your Lucerne with a loan, almost every bank will require you to have comprehensive coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Buick at a significantly higher premium and require you to fork over a much higher amount than you were paying before.

Third, insurance preserves not only your Buick but also your assets. It will also provide coverage for all forms of medical expenses that are the result of an accident. One policy coverage, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of having insurance more than offset the price you pay, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $825 a year so compare rates at every policy renewal to ensure rates are inline.

Coverages available on your policy

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like ambulance fees, EMT expenses, doctor visits, hospital visits and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, damage from getting keyed, a tree branch falling on your vehicle and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Buick Lucerne.

Because many people have only the minimum liability required by law (15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for collisions

This coverage will pay to fix damage to your Lucerne resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, scraping a guard rail, damaging your car on a curb, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible on your Lucerne to save money on collision insurance.

Auto liability

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 15/30/5 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical services, legal defense fees and bail bonds. How much coverage you buy is a personal decision, but buy as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but drivers should carry higher limits.

The illustration below shows why minimum state limits may not be enough.

Frequent quotes can save

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. Too many times, an insured cut full coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

Some car insurance companies may not provide internet price quotes and many times these regional insurance providers work with independent agents. Lower-priced Buick Lucerne insurance in Sacramento is definitely available on the web and from local insurance agents, so you should be comparing quotes from both to have the best selection.

Drivers switch companies for a variety of reasons including delays in paying claims, high prices, high rates after DUI convictions and unfair underwriting practices. Regardless of your reason for switching companies, finding the right car insurance provider is not as hard as you think.

Steps to finding discount Buick Lucerne insurance in Sacramento

If saving money is your primary concern, then the best way to find low-cost Buick Lucerne insurance is to begin comparing prices regularly from companies who can sell car insurance in Sacramento. Prices can be compared by following these guidelines.

Step 1: Take a little time to learn about how auto insurance works and the things you can control to prevent expensive coverage. Many factors that increase rates like your driving record and poor credit rating can be eliminated by being financially responsible and driving safely.

Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agencies can quote rates from multiple sources.

Step 3: Compare the quotes to the price on your current policy to see if a cheaper rate is available in Sacramento. If you find a better price, make sure there is no lapse in coverage.

Step 4: Give proper notification to your current agent or company of your intention to cancel your current coverage and submit payment and a signed application for the new coverage. Once coverage is bound, place your new certificate verifying proof of insurance along with your vehicle registration.

An important note is to make sure you enter similar coverage information on every quote request and and to look at as many companies as you can. Doing this provides a level playing field and many rates to choose from.

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