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.
- First, get an understanding of individual coverages and the steps you can take to prevent expensive coverage. Many rating factors that drive up the price like accidents, traffic violations, and a poor credit rating can be controlled by being financially responsible and driving safely.
- Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO and Allstate, while independent agents can provide price quotes from multiple insurance companies. Start a quote
- Third, compare the price quotes to the premium of your current policy to determine if switching companies saves money. If you find better rates, make sure there is no coverage gap between policies.
- Fourth, provide notification to your current agent or company of your intent to cancel your current coverage. Submit the application along with any required down payment to your new insurance company. Don’t forget to place your new certificate of insurance in an accessible location in your vehicle.
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.
It’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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
- Cheaper prices using alarms and GPS tracking – Owning a car that has a built-in theft deterrent system can save you some money. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
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Bad drivers pay high rates – Your driving citation history impacts your car insurance rates tremendously. Getting just one driving citation may cause rates to rise by as much as thirty percent. Drivers with clean records pay less for auto insurance compared to drivers with tickets. Drivers who have gotten license-revoking violations such as DUI or reckless driving may find they need to submit a SR-22 form to the state department of motor vehicles in order to legally drive a vehicle.
The diagram below demonstrates how traffic citations and at-fault accidents increase Buick Lucerne insurance premiums for different age groups of insureds. The premiums assume a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
- Eliminate unneeded extra policy coverages – There are quite a few additional coverages that you can buy if you aren’t careful. Coverage for things like roadside assistance, accident forgiveness, and additional equipment coverage could be just wasting money. They may sound like good ideas initially, but now you might not need them so think about removing them and cutting costs.
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Mature drivers pay less – Older, more experienced drivers have been proven to be more responsible, tend to cause fewer accidents, and usually have better credit. Inexperience drivers have been known to get distracted easily when at the wheel of a vehicle so insurance rates are higher.
The chart below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
- Buy as much liability coverage as you can afford – The liability coverage on your policy provides coverage when you are responsible for damages from an accident. Liability provides legal defense coverage which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
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.
- Service Members Pay Less – Having an actively deployed family member could qualify you for better car insurance rates.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more on Lucerne insurance in Lexington.
- Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
- Onboard Data Collection – Insureds that choose to allow driving data submission to track where and when they drive by installing a telematics device like Allstate’s Drivewise may see discounts if they have good driving habits.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Low Miles Discount – Fewer annual miles on your Buick could be rewarded with lower car insurance rates on the low mileage vehicles.
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.
For 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.
- Sullivan Insurance Agency
635 N Broadway – Lexington, KY 40508 – (859) 233-1637 – View Map - Kent Smith Insurance / The Randolph Scott Agency
1025 Dove Run Rd #302 – Lexington, KY 40502 – (859) 225-5616 – View Map - Nationwide Insurance: Tim Hamilton Insurance Agency Inc
401 Lewis Hargett Cir #130 – Lexington, KY 40503 – (859) 276-1234 – View Map
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.
- Allstate Insurance: Tom Barrick
2891 Richmond Rd Ste 115 – Lexington, KY 40509 – (859) 268-3222 – View Map - Shelter Insurance – Dawan Hart
2050 Regency Rd – Lexington, KY 40503 – (859) 276-2661 – View Map - Allstate Insurance: Mike Ison
2121 Richmond Rd Ste 145 – Lexington, KY 40502 – (859) 268-8850 – View Map
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.
- Do they have cheaper tiers of coverage?
- Does the agency have a good rating with the Better Business Bureau?
- What company do they have the most business with?
- Do they have designations such as AIC, CPCU, or CIC?
- If your car is in the repair shop, do you have coverage for a rental car?
- Will they take your side in the event of a claim?
- How much training do they have in personal risk management?
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
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Erie Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
- Allstate – A+
Top 10 Lexington Car Insurance Companies Ranked by Claims Service
- Travelers
- Allstate
- Nationwide
- State Farm
- GEICO
- Liberty Mutual
- American Family
- Esurance
- AAA Insurance
- 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.
- 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.
- 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.
- 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.
- 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.
For more information, link through to the resources below:
- Understanding your Policy (NAIC.org)
- Who Has Cheap Car Insurance for High Risk Drivers in Lexington? (FAQ)
- Who Has the Cheapest Lexington Car Insurance Rates for 18 Year Olds? (FAQ)
- Coverage Information (Progressive Insurance)
- Insuring a Leased Car (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)