Affordable Buick Lucerne Insurance in San Antonio

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.

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.

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

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 LoopSan Antonio, TX 78209(210) 822-2590View Map

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

7410 Blanco Rd #385San Antonio, TX 78216(210) 446-0109View 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 #103San Antonio, TX 78217(210) 656-4082View Map

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

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

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