Find Cheaper Buick Lucerne Insurance in Lexington

Are you overwhelmed by the sheer number of insurance providers in your area? Many other drivers are as well. You have so many options that it can easily turn into a real challenge to find lower rates on Buick Lucerne insurance. If you live there, you know that Lexington has lots to offer, but inflated insurance rates can make it impossible to be able to buy decent coverage.

How to find more affordable Buick Lucerne insurance in Lexington

It takes a little time, but the best way to find cheaper prices for Buick Lucerne insurance in Lexington is to regularly compare price quotes from insurers who provide auto insurance in Kentucky.

One key aspect when comparing rates is that you’ll want to compare the same amount of coverage on each quote request and and to look at as many carriers as you can. This enables a fair price comparison and the best price selection.

Insurance quote for Buick Lucerne in LexingtonIt’s a known fact that insurance companies want to keep your business as long as possible. Drivers who compare other rates are inclined to switch insurance companies because there is a significant possibility of finding a more affordable policy premium. A recent survey found that consumers who made a habit of comparing rate quotes saved as much as $865 a year compared to those who never shopped around.

If finding the best price on Buick Lucerne insurance is your objective, then knowing the best way to quote and compare insurance rates can help simplify the process.

Cheapest companies for Buick Lucerne insurance in Kentucky

The providers in the list below offer free quotes in Lexington, KY. If multiple companies are listed, we recommend you get price quotes from several of them to get the best price comparison.

Auto insurance analysis for a Buick Lucerne

The coverage table displayed next covers detailed analysis of insurance premium costs for Buick Lucerne models. Knowing how rates are established is important to be able to make smart choices when buying a car insurance policy.

Buick Lucerne Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $138 $268 $314 $18 $94 $832 $69
Lucerne CXL $138 $268 $314 $18 $94 $832 $69
Lucerne CXL Special Edition $138 $308 $314 $18 $94 $872 $73
Lucerne Super $152 $308 $314 $18 $94 $886 $74
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can revise premium rates noticeably.

Choosing deductibles

One common question asked by Lexington drivers is how low should you set your deductibles. The premium rates below help summarize the rate difference when you buy lower versus higher physical damage deductibles. The first set of prices uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Buick Lucerne insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $284 $500 $326 $20 $98 $1,253 $104
Lucerne CXL $284 $500 $326 $20 $98 $1,253 $104
Lucerne CXL Special Edition $284 $576 $326 $20 $98 $1,329 $111
Lucerne Super $318 $576 $326 $20 $98 $1,363 $114
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Buick Lucerne insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $232 $404 $326 $20 $98 $1,080 $90
Lucerne CXL $232 $404 $326 $20 $98 $1,080 $90
Lucerne CXL Special Edition $232 $466 $326 $20 $98 $1,142 $95
Lucerne Super $258 $466 $326 $20 $98 $1,168 $97
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price estimates do not factor in vehicle garaging location which can revise auto insurance rates significantly.

Using the data above, we can ascertain that using a $250 deductible costs about $15 more each month or $180 each year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 17 months between claims, you would come out ahead if you elect the higher deductible.

Gender differences in auto insurance premiums

The diagram below illustrates the difference between Buick Lucerne insurance costs for male and female drivers. The price estimates are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are factored in.

Lower Insurance Rates with These Tips

The best way to find cheaper insurance is to take a look at the different types of things that aid in calculating insurance rates. If you know what controls the rates you pay, this allows you to make good choices that can help you get lower insurance prices. Many factors are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving record, but others are less apparent such as whether you are married or how safe your car is.

You may qualify for discounts for Buick Lucerne insurance in Lexington

Auto insurance companies don’t always advertise all discounts very clearly, so the list below details both well-publicized and the harder-to-find credits available to you.Discount car insurance

Remember that most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will definitely reduce your policy premiums.

The diagram below compares Buick Lucerne auto insurance rates with and without discounts applied to the policy rates. The premiums are based on a female driver, a clean driving record, no claims, Kentucky state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, claim-free, and multi-policy discounts applied.

Companies that may have some of the discounts shown above possibly include:

When quoting, ask all the companies to give you their best rates. Some discounts may not apply to policyholders in Lexington. To find car insurance companies who offer discounts in Kentucky, click here to view.

Buying from insurance agencies

A small number of people would prefer to get professional advice from a licensed agent and often times that is recommended A nice benefit of price shopping on the web is the fact that you can find cheap car insurance rates and still choose a local agent. Buying insurance from neighborhood agents is still important in Lexington.

Insurance agency in LexingtonFor easy comparison, once you complete this simple form, your coverage information is sent to agents in your area who will give you quotes to get your business. You never need to search for any insurance agencies as quotes are delivered to you directly. Get lower rates without the usual hassles of price shopping. If for some reason you want to compare prices from one company in particular, you just need to search and find their rate quote page and fill out their quote form.

The difference between Lexington car insurance agents

If you would like to find a local agent, you should know the different types of agents that you can select. Agencies in Lexington are categorized either independent (non-exclusive) or exclusive.

Independent Car Insurance Agencies or Brokers

These agents are not restricted to one company and that gives them the ability to insure with multiple insurance companies enabling the ability to shop coverage around. If you want to switch companies, the agent simply finds a different carrier and you don’t have to switch agencies. When shopping rates, you definitely need to compare quotes from a few independent agents so that you have a good selection of quotes to compare. A lot of them also have access to different regional companies that can offer cheaper rates than bigger companies.

The following are independent insurance agents in Lexington that may be able to give you comparison quotes.

More insurance agents

Exclusive Insurance Agencies

Exclusive agencies write business for a single company like Farmers Insurance or State Farm. Exclusive agencies are unable to compare other company’s rates so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on the products they sell which can be an advantage. Many people choose to use an exclusive agent mostly because of the brand and the convenience of having all coverages with one company.

Below are Lexington exclusive insurance agencies that can give you price quotes.

More insurance agents

Picking the best insurance agent requires you to look at more than just the bottom line cost. Here are some questions you might want to ask.

Auto insurance company ratings

Selecting a good quality insurance company can be a challenge considering how many companies there are to choose from in Kentucky. The company ratings below can help you pick which auto insurance companies to look at comparing price quotes from.

Top 10 Lexington Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Erie Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. Nationwide – A+
  9. The Hartford – A+
  10. Allstate – A+

Top 10 Lexington Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. GEICO
  6. Liberty Mutual
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. The Hartford

Compare auto insurance prices regularly to save

Drivers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, poor customer service and even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new auto insurance company can be pretty painless.

When getting Lexington auto insurance quotes online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

We covered some good ideas how you can compare Buick Lucerne insurance car insurance rates in Lexington. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier.

Steps to finding discount Buick Lucerne insurance in Lexington

The easiest way to find low-cost auto insurance rates is to start doing an annual price comparison from companies in Lexington. Price quotes can be compared by following these guidelines.

  1. Read and learn about coverages and the changes you can make to prevent expensive coverage. Many rating factors that increase rates such as traffic violations, accidents, and a substandard credit score can be rectified by paying attention to minor details.
  2. Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or State Farm, while independent agents can quote prices from many different companies.
  3. Compare the price quotes to your existing coverage to see if switching to a new carrier will save money. If you find better rates, make sure there is no coverage gap between policies.
  4. Give proper notification to your current agent or company of your decision to cancel your current auto insurance policy and submit payment and a signed application to your new insurance company. Immediately put the new certificate of insurance with the vehicle registration.

The most important part of shopping around is to try to use the same physical damage deductibles and liability limits on every quote request and and to compare as many different companies as possible. This helps ensure the most accurate price comparison and a good representation of prices.

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