2008 Buick Lucerne Insurance Quotes

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse. Companies like Allstate, Liberty Mutual and State Farm constantly bombard you with TV and radio ads and it can be hard to see through the deception and effectively compare rates to find the best deal.

You need to shop coverage around yearly because insurance rates change frequently. Even if you got the lowest price on Lucerne coverage a couple years back there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about insurance because you’re going to get a crash course in how to quote online to find better rates and still maintain coverage.

These discounts can slash insurance coverage rates

Companies don’t always list every discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Organization Discounts – Participating in a professional or civic organization may earn a discount when buying insurance coverage on Lucerne coverage.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on Lucerne coverage depending on your company.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Double check with all companies you are considering what discounts are available to you. Some discounts might not apply in every state.

When might I need the advice of an agent?

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can help discover whether or not you could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • Does coverage extend to my business vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will my insurance pay for OEM parts?
  • Is my 2008 Buick Lucerne covered for smoke damage?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Do auto insurance companies bend the truth?

Consumers constantly see and hear ads for car insurance savings by State Farm, Geico and Progressive. All the companies make an identical promise about savings if you move to their company.

How can each company claim to save you money?

All the different companies have a preferred profile for the driver that is profitable for them. A good example of a preferred risk might be over the age of 50, has no prior claims, and has a short commute. Any driver who meets those qualifications gets the lowest rates and therefore will save when switching.

Drivers who do not match these standards will have to pay more money and ends up with the customer not buying. The ad wording is “drivers who switch” not “everybody who quotes” save that much. That’s the way companies can claim big savings. Because of the profiling, drivers should get a wide range of price quotes. It’s just too difficult to predict which insurance companies will provide you with the cheapest Buick Lucerne insurance rates.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, theft and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2008 Buick Lucerne.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like X-ray expenses, chiropractic care, ambulance fees, dental work and funeral costs. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as court costs, loss of income and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Collision – This coverage will pay to fix damage to your Lucerne caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, colliding with a tree, driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Be a smart shopper

In this article, we presented many tips how you can reduce 2008 Buick Lucerne insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising. Regional companies often have lower prices on specific markets compared to the large companies like Progressive and Geico.

Cheap insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide online price quotes and these smaller companies work with independent agents.

Even more information can be read at these sites: