2011 Buick Lucerne Insurance Quotes

Looking for the cheapest insurance coverage rates for your Buick Lucerne? Are you sick and tired of paying out the nose each month for car insurance? Your situation is no different than millions of other consumers.

Having so many insurance providers from which to choose, it can be diffult for consumers to find the cheapest insurer.

The quickest way to get rate comparisons is to understand most of the larger companies actually pay money for the chance to compare their rates. All consumers are required to do is provide information like the type of vehicles you drive, your general credit rating, how you use your vehicles, and what your job is. That rating data gets sent immediately to all major companies and they return quotes with very little delay.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • What is the ISO rating for a 2011 Buick Lucerne?
  • When do I need to add a new car to my policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How do I file an SR-22 for a DUI in my state?
  • How high should my medical payments coverage be?
  • At what point should I drop full coverage?
  • What is the difference between comprehensive and collision coverage?
  • Are rental cars covered under my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I buy full coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Auto collision coverage

Collision coverage covers damage to your Lucerne caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Buick Lucerne.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability car insurance

This will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as repair costs for stationary objects, medical expenses and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, theft, damage from getting keyed and hitting a bird. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses like doctor visits, funeral costs and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay