Affordable Buick Lucerne Insurance in San Antonio

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Insurance rates Buick Lucerne in San AntonioHaving to pay for overpriced Buick Lucerne insurance in San Antonio can drain your monthly budget and make it hard to pay other bills. Getting a rate comparison is free and is an excellent way to make sure you're not throwing money away.

It's an obvious assumption that car insurance companies don't want their customers to go rate shopping. Drivers who shop around for cheaper prices will presumably switch car insurance companies because they have good chances of finding lower prices. A recent car insurance study discovered that drivers who compared rate quotes regularly saved $72 a month compared to drivers who never shopped around.

If finding the lowest rates on insurance is your goal, learning how to choose a company and compare insurance premiums can help simplify the task of finding more affordable coverage. With so many choices of insurance companies that have lower-cost insurance for a Buick Lucerne in San Antonio, it can be hard to locate the cheapest insurer.

How You Can Control Buick Lucerne Insurance Costs

A large part of saving on insurance is knowing a few of the rating criteria that are used to determine the price you pay for insurance. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get much lower annual insurance costs.

  • Cheaper to insure gals? - Statistics show women are more cautious behind the wheel. It does not mean women are BETTER drivers than men. Women and men get in at-fault accidents at about the same rate, but the males have accidents that have higher claims. In addition to higher claims, males also receive more costly citations like reckless driving and DUI. Youthful male drivers have the highest risk to insure so they pay the highest premiums.

    The illustration below shows the difference between Buick Lucerne auto insurance costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied.

  • Rates impacted by your city - Choosing to live in a rural area can be a good thing when trying to find low car insurance rates. Fewer drivers on the road means less chance of accidents in addition to lower liability claims. People in densely populated areas tend to have more road rage incidents and much longer commute distances. More time behind the wheel means more chances of being involved in an auto accident.
  • Marriage brings a discount - Being married may save some money on your policy. Having a significant other usually means you are more stable financially and insurance companies reward insureds because drivers who are married are more cautious.
  • Liability coverage risk factors - Liability insurance will afford coverage if ever you are found liable for personal injury or accident damage. It will provide legal defense coverage to defend your case. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Safer vehicles means lower premiums - Vehicles with high crash test scores can get you lower premiums. Vehicles built for safety result in less severe injuries and better occupant protection means your insurance company pays less passed on to you as lower rates.
  • Annual miles is a factor - The more miles you rack up on your Buick annually the higher your rates will be. Many insurance companies charge to insure your cars based on how the vehicle is used. Cars that have low annual miles receive better premium rates than vehicles that are driven to work every day. A policy that improperly rates your Lucerne can cost quite a bit. Ask your agent if your insurance policy shows the right rating data.
  • Performance makes a difference - The performance of the car or truck you need insurance for makes a significant difference in your rates. Low performance passenger vehicles usually have the lowest rates, but the cost you end up paying is determined by many additional factors.

    The chart below uses these variables: married female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Buick Lucerne car insurance rates compared to other vehicles that have different performance risks.

  • Know your credit rating - Having a good credit history can be an important factor in determining premium rates. People that have high credit scores tend to be more responsible and file fewer claims than drivers with lower ratings. So if your credit leaves room for improvement, you could save money insuring your Buick Lucerne if you improve your credit rating.

Most of the larger companies provide prices for coverage on their websites. Comparing Buick Lucerne insurance rates online is quite simple as you just type in your required coverages on the page. After the form is submitted, their system automatically retrieves credit information and your driving record and provides a quote determined by many factors. This makes it a lot easier to compare rates and it is important to have as many quotes as possible in order to get the most affordable possible premiums on auto insurance.

To quickly get comparison pricing now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend that you enter your coverages identical to your current policy. This way, you will have rate quotes for exact coverage.

The providers in the list below offer quotes in San Antonio, TX. If more than one company is shown, we suggest you click on several of them to get the most competitive price.

Insurance data for a Buick Lucerne

The data table below covers detailed analysis of insurance rates for Buick Lucerne models. Learning as much as possible about how insurance prices are formulated is important for you to make decisions on the best policy to buy.

Buick Lucerne Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $160 $312 $366 $22 $110 $970 $81
Lucerne CXL $160 $312 $366 $22 $110 $970 $81
Lucerne CXL Special Edition $160 $360 $366 $22 $110 $1,018 $85
Lucerne Super $178 $360 $366 $22 $110 $1,036 $86
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices noticeably.

An analysis of deductible level

A question often asked by San Antonio drivers is how high should the deductibles for physical damage be. The comparisons below may help to illustrate how much more rates are between high and low physical damage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Buick Lucerne insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $370 $698 $382 $22 $114 $1,611 $134
Lucerne CXL $370 $698 $382 $22 $114 $1,611 $134
Lucerne CXL Special Edition $370 $804 $382 $22 $114 $1,717 $143
Lucerne Super $412 $804 $382 $22 $114 $1,759 $147
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Buick Lucerne insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $206 $368 $382 $22 $114 $1,092 $91
Lucerne CXL $206 $368 $382 $22 $114 $1,092 $91
Lucerne CXL Special Edition $206 $424 $382 $22 $114 $1,148 $96
Lucerne Super $228 $424 $382 $22 $114 $1,170 $98
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in zip code location which can revise premiums considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $46 more each month or $552 every year than selecting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 20 months between claims, you would save more money going with the higher deductible.

Calculation for raising deductibles

Average monthly premium for $100 deductibles: $140
Average monthly premium for $1,000 deductibles (subtract): - $94
Monthly savings from raising deductible: $46
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $46
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One thing to be aware of is that a higher deductible level means you will have to pay more out-of-pocket when you do file a claim. It will be required that you have enough disposable income in the event you need to pay the higher deductible.

Auto insurance does more than just protect your car

Even though San Antonio Lucerne insurance rates can get expensive, buying auto insurance serves a purpose in several ways.

  • Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage if you don't want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your Buick has a lienholder, it's most likely the lender will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Buick at an extremely high rate and make you pay for it.
  • Insurance protects not only your vehicle but also your financial assets. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance will also pay to defend you if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of having auto insurance more than cancel out the cost, particularly for liability claims. An average driver in America is currently overpaying as much as $700 annually so smart consumers compare quotes once a year at a minimum to ensure rates are inline.

Lower your car insurance rates with discounts

Car insurance is not cheap nor is it fun to buy but you can get discounts that many consumers don't even know exist. Some of these discounts will be visible at the time of quoting, but some must be requested specifically in order for you to get them.Cheaper car insurance with discounts

  • Driver Safety - Taking part in a course teaching driver safety skills may get you a small discount and make you a better driver.
  • Early Payment Discounts - By paying your policy upfront rather than spreading payments over time you could save 5% or more.
  • Senior Discount - If you're over the age of 55, you may qualify for better car insurance rates.
  • One Accident Forgiven - This one is not really a discount per se, but a few companies such as State Farm, Progressive and GEICO will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free for a certain period of time.
  • Safety Restraint Discount - Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
  • Home Ownership Discount - Being a homeowner can help you save on car insurance because of the fact that having a home is proof of financial responsibility.
  • Driving Data Discount - Insureds who allow their car insurance company to study driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they are good drivers.
  • College Student Discount - Kids who are enrolled in a college that is more than 100 miles from San Antonio and do not have access to a covered vehicle could get you a discount.

Don't be surprised that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, company stockholders wouldn't be very happy.

The example below shows the difference between Buick Lucerne car insurance rates with and without discounts applied to the premium. The rates are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, homeowner, claim-free, and multi-car discounts applied.

To view car insurance companies with discount rates in Texas, click here to view.

Shop online but buy locally

Many drivers still like to get advice from a local agent and that is a personal choice. Professional insurance agents can help you build your policy and help in the event of a claim. One of the great benefits of getting free rate quotes online is the fact that you can find cheap insurance rates and also buy local. And supporting neighborhood insurance agencies is still important in San Antonio.

Insurance agency in San AntonioUpon completion of this form (opens in new window), your insurance coverage information is submitted to agents in your area who want to provide quotes to get your business. You never need to leave your computer due to the fact that quote results will go straight to your inbox. If you want to get a comparison quote from a specific insurance provider, you can always find their quoting web page to submit a rate quote request.

If you want to buy insurance from a local agent, it helps to know the two types of agencies that differ in how they can insure your vehicles. Agents in San Antonio are categorized either independent agents or exclusive agents. Either type can sell insurance policies, but it's worth mentioning the difference in how they write coverage since it can impact the selection process.

Independent Insurance Agents

These agents are not locked into one company so as a result can place your coverage with multiple insurance companies and find the cheapest rate. If you are not satisfied with one company, they simply switch companies in-house without you having to go to a different agency. If you are comparing rate quotes, you will want to contact a few independent agents in order to compare the most rates.

Featured below is a partial list of independent insurance agencies in San Antonio that can possibly get you price quotes.


1100 NE Interstate 410 Loop - San Antonio, TX 78209 - (210) 822-2590 - View Map


5300 Walzem Rd - San Antonio, TX 78218 - (210) 646-9870 - View Map


7410 Blanco Rd #385 - San Antonio, TX 78216 - (210) 446-0109 - View Map

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Exclusive Insurance Agents

Exclusive insurance agents can only provide one company's prices and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents.

The following are exclusive insurance agencies in San Antonio willing to provide comparison quotes.


13909 Nacogdoches Rd #103 - San Antonio, TX 78217 - (210) 656-4082 - View Map


5975 Bandera Rd - San Antonio, TX 78238 - (210) 647-7975 - View Map


825 W Bitters Rd #105 - San Antonio, TX 78216 - (210) 514-1083 - View Map

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Finding the right insurance agent shouldn't rely on just the bottom line cost. Any good agent in San Antonio should know the answers to these questions.

  • Is the agency covered by Errors and Omissions coverage?
  • Do they offer accident forgiveness?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Can you use your own choice of collision repair facility?

One last note

When buying insurance coverage, don't be tempted to buy poor coverage just to save money. There have been many cases where an insured dropped full coverage only to find out they didn't purchase enough coverage. Your aim should be to buy a smart amount of coverage at the best possible price, but don't skip important coverages to save money.

We just covered many ideas to get a better price on Buick Lucerne insurance in San Antonio. It's most important to understand that the more price quotes you have, the better your comparison will be. You may even find the biggest savings come from a small mutual company. Smaller companies often have lower premium rates on specific markets as compared to the big name companies such as GEICO and State Farm.

More information can be read at the links below