Compare Buick Lucerne Insurance Quotes in Riverside

Insurance for Buick LucerneHave you had enough of paying out the nose to buy car insurance? You’re in the same situation as many other vehicle owners in California.

Surprisingly, a recent survey revealed that the vast majority of consumers kept their coverage with the same car insurance company for at least four years, and 38% of customers have never compared rate quotes at all. Riverside drivers can cut their rates by $469 a year by just comparing rate quotes, but they just don’t understand the rate savings if they moved their coverage to a different company.

You have so many insurers to buy insurance from, and even though it’s nice to be able to choose, more choices can make it harder to adequately compare rates for Buick Lucerne insurance in Riverside.

Our objective is to let you in on how car insurance works and also pocket some savings If you are insured now, you will most likely be able to reduce premiums using the tips covered below. Nevertheless, California car owners need to have an understanding of how companies price online insurance because rates are impacted by many factors.

How Insurance Providers Calculate Buick Lucerne Insurance Costs

It’s important that you understand the rating factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that will entitle you to lower auto insurance prices. Many things are taken into consideration when premium rates are determined. Some factors are common sense such as traffic violations, although some other factors are less obvious like your continuous coverage or how financially stable you are.

Rates and other information

The table displayed below highlights different insurance rates for Buick Lucerne models. Understanding how auto insurance prices are figured can help drivers make smart choices when buying a car insurance policy.


Buick Lucerne Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $234 $490 $534 $32 $160 $1,450 $121
Lucerne CXL $234 $490 $534 $32 $160 $1,450 $121
Lucerne CXL Special Edition $234 $564 $534 $32 $160 $1,524 $127
Lucerne Super $260 $564 $534 $32 $160 $1,550 $129
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can lower or raise prices significantly.

Auto insurance deductibles

A question often asked by Riverside drivers is which deductibles should you choose. The tables below illustrate the rate fluctuation when you choose different insurance deductibles. The first data table uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.


Buick Lucerne insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $430 $810 $442 $26 $132 $1,865 $155
Lucerne CXL $430 $810 $442 $26 $132 $1,865 $155
Lucerne CXL Special Edition $430 $932 $442 $26 $132 $1,987 $166
Lucerne Super $478 $932 $442 $26 $132 $2,035 $170
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Buick Lucerne insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $314 $546 $442 $26 $132 $1,460 $122
Lucerne CXL $314 $546 $442 $26 $132 $1,460 $122
Lucerne CXL Special Edition $314 $630 $442 $26 $132 $1,544 $129
Lucerne Super $348 $630 $442 $26 $132 $1,578 $132
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Prices do not factor in zip code location which can change price quotes greatly.

We can derive from the above data that using a $100 deductible could cost the average driver approximately $36 more each month or $432 for a full year averaged for all Lucerne models than requesting the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 11 months between claims, you would probably save some money if you opt for a higher deductible. The illustration below shows how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $162
Average monthly premium for $500 deductibles (subtract): – $126
Monthly savings from raising deductible: $36
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

One thing to be aware of is that raising deductibles results in having to pay to pay more out-of-pocket if you have a claim. You must have enough disposable savings in the event you need to pay more for the deductible.

Illustration showing the impact of accidents and violations

The information below demonstrates how speeding tickets and fender-benders can drive up Buick Lucerne insurance premiums for different age groups of insureds. The information is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Comparison of auto insurance rates by age and gender

The chart below illustrates the comparison of Buick Lucerne premium costs for male and female drivers. The premiums assume no violations or claims, full coverage, $250 deductibles, drivers are single, and no policy discounts are applied.

Buick Lucerne liability-only versus full coverage

The information below visualizes the comparison of Buick Lucerne insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are factored in.

When to buy liability coverage only

There is no exact rule to exclude physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Buick Lucerne book value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after paying the physical damage deductible. If it’s costing you more than $800 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Discounts can help lower rates on Buick Lucerne insurance in Riverside

Buying auto insurance is not cheap, but you might be missing out on some discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be manually applied prior to getting the savings.Discount auto insurance

Discounts lower rates, but some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So when it seems like all those discounts means the company will pay you, that’s just not realistic.

The diagram below visualizes the comparison of Buick Lucerne insurance prices with and without discounts applied to the premium. The price estimates are based on a female driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, multi-policy, and homeowner discounts applied.

A list of auto insurance companies and a partial list of their discounts are outlined below.

Before purchasing a policy, check with each company or agent the best way to save money. A few discounts may not apply to policies everywhere. If you would like to see a list of auto insurance companies with discount auto insurance rates in Riverside, click here.

Be persistent to save money

As you quote Riverside car insurance, you should never reduce coverage to reduce premium. There are too many instances where an insured dropped comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

People change insurance companies for any number of reasons including unfair underwriting practices, poor customer service, questionable increases in premium or even policy non-renewal. Regardless of your reason for switching companies, switching car insurance companies is pretty easy and you might even save some money in the process.

You just read a lot of information how to get a better price on Buick Lucerne insurance in Riverside. The key thing to remember is the more companies you get prices for, the better your comparison will be. You may even find the best premium rates are with the smaller companies.

Steps to quoting cheaper Buick Lucerne insurance in Riverside

The best way we recommend to find affordable quotes for Buick Lucerne insurance is to regularly compare price quotes from insurers in Riverside.

  1. Learn about how companies set rates and the modifications you can make to prevent rate increases. Many rating criteria that drive up the price such as inattentive driving and a not-so-good credit history can be amended by making minor driving habit or lifestyle changes.
  2. Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive and State Farm, while independent agents can give you price quotes from multiple sources. Start a quote
  3. Compare the new rates to your current policy and determine if cheaper Lucerne coverage is available in Riverside. If you can save some money, verify that coverage does not lapse between policies.

A key point to remember is that you’ll want to make sure you compare identical limits and deductibles on each quote request and and to get rate quotes from as many carriers as you can. Doing this helps ensure the most accurate price comparison and a thorough selection of prices.

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