How to Save Money on Insurance for your Buick Lucerne
If finding affordable car insurance was easy, most of us would take the time to do it. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. Finding good insurance for your Buick Lucerne probably leaves you feeling the same way.
Step One: Shop Around
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Now you can compare rates and buy a policy online!
Getting online rate quotes for a Buick Lucerne from all the major insurance companies is very easy and only requires you to enter your information once.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Important! If you already have liability and physical damage coverage on your Lucerne, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: How to Save on Lucerne Insurance
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a Lucerne.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
Step Three: Buy the Best Policy
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
If the Buick Lucerne is a new purchase and you already have car insurance, then you will have some coverage that extends to the vehicle. But if you let your old policy lapse or have never had coverage, you don't have any protection once you buy the vehicle. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new Lucerne will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.
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