How to Save on El Paso Buick Lucerne Insurance

It’s easy to assume that car insurance companies don’t want customers comparing rates. Consumers who get comparison quotes once a year will most likely switch auto insurance companies because the odds are good of finding a lower rate. A recent survey revealed that consumers who compared prices once a year saved about $3,450 over four years compared to those who didn’t regularly shop around.

If finding the most affordable car insurance is the reason you’re here, then having a grasp of how to get free comparison quotes and analyze insurance premiums can make it easier to find better rates.

Insurance for Buick LucerneThe easiest way to quote cheaper Buick Lucerne insurance is to compare quotes annually from insurers who provide auto insurance in El Paso. This can be done by following these guidelines.

  1. Gain an understanding of what coverages are included in your policy and the modifications you can make to keep rates down. Many factors that cause rate increases like traffic violations and an unfavorable credit rating can be rectified by paying attention to minor details.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can give you price quotes for a wide range of companies. View a list of agents
  3. Compare the quotes to the price on your current policy and see if you can save money. If you find a better price and switch companies, make sure there is no coverage gap between policies.
  4. Notify your company or agent to cancel your current coverage. Submit payment along with a signed and completed policy application for the new policy. Once the application is submitted, put the certificate verifying proof of insurance in an accessible location in your vehicle.

One tip to remember is to make sure you enter similar limits and deductibles on each price quote and and to look at as many different companies as possible. Doing this guarantees a fair price comparison and many rates to choose from.

Locating the best rates in El Paso is quite easy if you know the best way to do it. If you have coverage now, you stand a good chance to be able to find better prices using the concepts covered in this article. Drivers only have to learn the proper way to compare insurance rates from many different companies.

Getting a cheap price on insurance can be surprisingly simple. Drivers just need to take time to compare rates from some recommended companies.

The companies shown below have been selected to offer price comparisons in Texas. If multiple providers are shown, we recommend you compare several of them to get a more complete price comparison.

Three reasons to insure your Lucerne

Despite the fact that insurance is not cheap in El Paso, insurance is required in Texas but it also protects you in many ways.

The benefits of buying enough insurance are definitely more than the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer overpays as much as $830 a year so it’s very important to do a rate comparison at every policy renewal to save money.

Rates and information analytics

The data table displayed below highlights estimates of rate quotes for Buick Lucerne models. Being more informed about how auto insurance premiums are determined helps drivers make informed decisions when comparing rates.

Buick Lucerne Insurance Rates in El Paso, 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
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 Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in specific El Paso garaging location which can lower or raise coverage prices significantly.

Deductible comparison

When shopping for car insurance, a common question is which comprehensive and collision deductibles to buy. The premium rates below summarize the price difference when you buy lower versus higher coverage deductibles. The first rate table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Buick Lucerne insurance 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
Get Your Own Custom Quote Go

Buick Lucerne insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $270 $472 $382 $22 $114 $1,260 $105
Lucerne CXL $270 $472 $382 $22 $114 $1,260 $105
Lucerne CXL Special Edition $270 $542 $382 $22 $114 $1,330 $111
Lucerne Super $300 $542 $382 $22 $114 $1,360 $113
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in specific zip code location which can affect premiums substantially.

Based on these figures, using a $100 deductible will cost you roughly $31 more each month or $372 annually across all Buick Lucerne models than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 13 months between claims, you would probably save some money if you choose the higher deductible.

The illustration below highlights how deductible selection and can raise or lower Buick Lucerne insurance costs for different age categories. The data assumes a single female driver, comp and collision included, and no discounts are applied to the premium.

Poor driving habits will raise your car insurance rates

The chart below shows how speeding tickets and at-fault claims raise Buick Lucerne insurance prices for different age groups of insureds. The data assumes a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

Discounts can help save money on Buick Lucerne insurance in El Paso

Car insurance is expensive, but you might find some hidden discounts that many consumers don’t even know exist. A few discounts will be applied at quote time, but some must be asked for before you get the savings.Car insurance discounts

Just know that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

The illustration below shows the difference between Buick Lucerne yearly insurance costs with and without discounts applied to the policy premium. The data assumes a male driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, safe-driver, and claim-free discounts applied.

A list of companies and their offered discounts are:

If you need inexpensive El Paso car insurance quotes, ask each insurance company which discounts you qualify for. Savings may not apply to policyholders in every state. To locate car insurance companies that can offer you the previously mentioned discounts in Texas, follow this link.

Car insurance agents are trained to help

Certain consumers just prefer to go talk to an agent and that is OK! Licensed agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of comparing rates online is that you can find better rates and still buy from a local agent.

Find insurance agent in El PasoFor easy comparison, once you complete this quick form, your coverage information is instantly submitted to companies in El Paso that give free quotes to get your business. It’s much easier because you don’t need to find an agent on your own due to the fact that quote results will go to your email. In the event you want to compare prices for a specific company, you just need to visit that company’s website and give them your coverage information.

Finding the right insurer needs to be determined by more than just the premium amount. Here are some questions you might want to ask.

Shown below is a list of insurers in El Paso that may be able to provide price quote information for Buick Lucerne insurance in El Paso.

View more agents

Shop around and save

Cheaper insurance in El Paso can be found on the web and also from your neighborhood El Paso agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not offer online price quotes and many times these regional carriers work with independent agencies.

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped full coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find for the lowest price and still be able to protect your assets.

We’ve covered many ideas to get a better price on Buick Lucerne insurance in El Paso. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable Buick Lucerne insurance quotes. Consumers could even find that the most savings is with a small mutual company.

More detailed insurance information can be found in the articles below: