Trying to find the cheapest insurance for a new or used Buick Lucerne in Florida can be an all-consuming task, but you can use our insurance buying tips to save time.
There is a better way to buy insurance and you need to know the quickest way to price shop coverage for your Buick and locate the lowest possible price from Orlando insurance agents and online providers.
It’s smart to shop coverage around occasionally due to the fact that insurance prices are constantly changing. If you had the best price on Buick Lucerne insurance in Orlando a couple years back there may be better deals available now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the quickest way to find the best coverage while lowering your premiums.
Getting cheaper auto insurance pricing doesn’t have to be difficult. Consumers just need to spend a few minutes on the computer to compare rate quotes online with multiple companies.
The following companies can provide quotes in Orlando, FL. In order to find cheap auto insurance in Orlando, we suggest you get rate quotes from several of them to find the most affordable car insurance rates.
Insurance coverage details
The rate information below showcases detailed analysis of insurance premium costs for Buick Lucerne models. Learning more about how auto insurance prices are established can aid in making smart choices when buying a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Lucerne CXL Special Edition||$312||$722||$438||$26||$132||$1,630||$136|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in Orlando location which can revise prices noticeably.
The example below illustrates how your choice of deductibles and can influence Buick Lucerne premium costs for different age groups. The price estimates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Premiums by gender and age
The information below shows the difference between Buick Lucerne yearly insurance costs for male and female drivers. The premiums are based on no tickets, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no other discounts are factored in.
Why you need auto insurance
Even though it’s not necessarily cheap to insure a Buick in Orlando, paying for auto insurance is required by state law in Florida and it also provides benefits you may not be aware of.
First, just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability coverage in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Buick Lucerne has a lienholder, most banks will make it a condition of the loan that you have full coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may buy a policy for your Buick at a much higher rate and require you to reimburse them for it.
Third, auto insurance preserves not only your Buick but also your financial assets. It will also pay for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of buying auto insurance more than offset the price you pay, especially for larger claims. Despite what companies tell you, the average driver overpays as much as $850 per year so you should quote rates at every policy renewal to save money.
Learn How to Lower Your Insurance Rates
One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that help determine your auto insurance rates. When consumers understand what determines premiums, this allows you to make educated decisions that may reward you with lower rates. Many factors are part of the equation when pricing auto insurance. Some are pretty understandable like an MVR report, although some other factors are less obvious such as whether you are married or how safe your car is.
Do you really need the incidental coverages? – Policies have optional add-on coverages you can purchase but may not be useful. Add-on coverages like rental car reimbursement, towing, and extra life insurance coverage may be costing you every month. The coverages may be enticing when deciding what coverages you need, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
Teenage drivers are expensive to insure – Teenage drivers in Florida are statistically shown to be less responsible when driving with friends and because of this, their auto insurance rates are much higher. Parents adding a youthful driver to your policy can be quite pricey. More experienced drivers are more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets.
The following chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
Rates can be impacted by your job – Do you have a high-stress occupation? Occupational choices like fire fighters, business owners, and miners generally pay higher premiums than the average policyholder because of high stress levels and lots of time spent at work. Conversely, occupations such as scientists, engineers and performers receive lower rates.
Consider raising deductibles – The deductibles represent how much money the insured will be required to pay in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. A few examples of covered claims would be a windshield broken by a bird, hail damage, and damage caused by road hazards. The more of the claim you’re willing to pay, the less your company will charge you for insurance.
Mileage impacts rates – The higher the miles on your Buick in a year the more you’ll pay to insure it. Most insurance companies apply a rate partially by how you use the vehicle. Cars that have low annual miles cost less to insure than vehicles that have high annual mileage. An improperly rated Lucerne can result in significantly higher rates. Ask your agent if your auto insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
Lower performance equals lower insurance premiums – The performance of the car, truck or SUV you need insurance for makes a significant difference in how high your rates are. Low performance passenger models usually have the lowest rates, but the cost you end up paying is determined by many additional factors.
The following chart uses these assumptions: married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It shows Buick Lucerne insurance rates compared to other vehicles that have a range of performance risks.
Where you live – Choosing to live in a small town can save you money when shopping for auto insurance. People who live in big cities have to deal with much more traffic and longer commute times. Fewer drivers and short commutes corresponds to lower accident rates and a lower car theft rate.
You are unique and your car insurance should be too
When it comes to choosing your policy, there really is no one-size-fits-all type of policy. Everyone’s situation is unique.
For example, these questions can help discover whether or not you might need an agent’s assistance.
- Is business equipment covered while in my vehicle?
- Do I get a pro-rated refund if I cancel my policy early?
- Should I pay a claim out-of-pocket?
- Does my personal policy cover me when driving out-of-state?
- Where can I get insurance after a DUI in Florida?
- Is my camper covered by my car insurance policy?
- What are the financial responsibility laws in my state?
- Why am I required to buy liability insurance?
- Am I missing any policy discounts?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.
A little work can save a LOT of money
Consumers change insurance companies for any number of reasons including not issuing a premium refund, poor customer service, lack of trust in their agent and even unfair underwriting practices. Regardless of your reason, finding the right auto insurance provider can be easier than you think.
Budget-conscious Buick Lucerne insurance is available from both online companies in addition to many Orlando insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies do not offer online price quotes and most of the time these regional insurance providers only sell through independent insurance agencies.
We’ve covered some good ideas how to reduce Buick Lucerne insurance premium rates online in Orlando. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even be surprised to find that the lowest priced auto insurance comes from the smaller companies.
How to find low-cost Buick Lucerne insurance in Orlando
To save the most money, the best way to find the cheapest price for Buick Lucerne insurance is to annually compare prices from different companies who can sell car insurance in Orlando.
- First, spend a few minutes and learn about how companies price auto insurance and the steps you can take to drop your rates. Many factors that result in higher prices such as inattentive driving and a less-than-favorable credit score can be eliminated by making minor changes to your lifestyle.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can provide prices from multiple sources.
- Third, compare the quotes to the premium of your current policy and see if you can save money. If you find better rates and switch companies, ensure there is no coverage lapse between policies.
An essential thing to point out is that you use similar deductibles and liability limits on each quote request and and to get price quotes from as many car insurance companies as possible. Doing this provides an apples-to-apples comparison and a better comparison of the market.
Additional learning opportunities
- A Tree Fell on Your Car: Now What? (Allstate)
- Who Has Cheap Auto Insurance for 16 Year Olds in Orlando? (FAQ)
- Who Has Affordable Car Insurance Quotes for Low Mileage Drivers in Orlando? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Child Safety FAQ (iihs.org)
- Understanding Car Crashes Video (iihs.org)