Cheap Rates for Buick Lucerne Insurance in Greensboro

It’s well known that car insurance companies don’t want you to compare rates. Consumers who shop around for a cheaper policy will, in all likelihood, switch to a new company because there is a good chance of getting low-cost coverage. A recent insurance study revealed that drivers who compared rate quotes regularly saved an average of $3,400 over four years as compared to drivers who never compared prices.

If finding budget-friendly rates on Buick Lucerne insurance in Greensboro is your objective, then learning about the best way to compare cheaper coverage can make it easier to find better rates.

Insurance quote for Buick Lucerne in GreensboroIf you want to save the most money, the best way to get more affordable Buick Lucerne insurance in Greensboro is to compare prices regularly from providers that sell auto insurance in North Carolina. Rates can be compared by following these steps.

  1. Try to learn about how your policy works and the measures you can control to keep rates in check. Many policy risk factors that cause rate increases like traffic citations and poor credit history can be improved by improving your driving habits or financial responsibility.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agents can quote prices from multiple insurance companies.
  3. Compare the new rate quotes to your existing rates and determine if cheaper Lucerne coverage is available. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.
  4. Provide proper notification to your current company to cancel the current policy and submit a completed policy application and payment to your new carrier. Don’t forget to put the proof of insurance paperwork above your visor, in the console, or in the glove compartment.

A good tip to remember is that you use identical coverages on each quote and and to analyze as many companies as you can. This provides a level playing field and a complete selection of prices.

To find affordable Buick Lucerne insurance quotes, there are several ways to compare rate quotes from local Greensboro auto insurance companies. The fastest way to comparison shop involves getting comparison quotes online.

Just keep in mind that obtaining a wide range of quotes helps you find the best offered rates. Not every company does online Greensboro Lucerne insurance quotes, so you need to compare quotes on coverage from those companies, too.

The companies shown below have been selected to offer quotes in North Carolina. In order to find the best cheap car insurance in Greensboro, we recommend you visit two to three different companies in order to find the most competitive rates.

Buick Lucerne insurance coverage information

The rate table displayed next outlines estimates of coverage prices for Buick Lucerne models. Being aware of how insurance policy rates are formulated can be valuable when making smart choices when comparing insurance quotes.

Buick Lucerne Insurance Rates in Greensboro, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $148 $296 $336 $20 $100 $900 $75
Lucerne CXL $148 $296 $336 $20 $100 $900 $75
Lucerne CXL Special Edition $148 $340 $336 $20 $100 $944 $79
Lucerne Super $166 $340 $336 $20 $100 $962 $80
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific zip code location which can modify premium rates substantially.

Policy deductibles

One common question asked by Greensboro drivers is how high should the physical damage coverage deductibles be. The tables below approximate the premium difference between high and low comp and collision deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Buick Lucerne insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $218 $382 $250 $14 $74 $963 $80
Lucerne CXL $218 $382 $250 $14 $74 $963 $80
Lucerne CXL Special Edition $218 $440 $250 $14 $74 $1,021 $85
Lucerne Super $242 $440 $250 $14 $74 $1,045 $87
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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 $134 $240 $250 $14 $74 $712 $59
Lucerne CXL $134 $240 $250 $14 $74 $712 $59
Lucerne CXL Special Edition $134 $276 $250 $14 $74 $748 $62
Lucerne Super $150 $276 $250 $14 $74 $764 $64
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific Greensboro garaging location which can change rates noticeably.

Based on the above data, using a $250 deductible could cost the average driver approximately $22 more each month or $264 each year across all Buick Lucerne models than buying the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 34 months between claim filings, you would most likely save money if you choose a higher deductible.

Accidents and violations increase rates

The diagram below highlights how speeding tickets and at-fault fender-benders drive up Buick Lucerne auto insurance costs for different categories of driver ages. The prices are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

Buick Lucerne Insurance Cost Factors

Many things are part of the calculation when you get a price on insurance. Some factors are common sense like a motor vehicle report, although others are more obscure such as your credit history or your financial responsibility. When buying auto insurance it’s important to understand some of the factors that help calculate auto insurance rates. When you know what positively or negatively determines premiums, this enables you to make decisions that could help you find big savings.

The factors shown below are some of the factors utilized by car insurance companies to help set rates.

Liability limits are a factor – A critical coverage on your policy, liability insurance is the coverage that protects you if ever you are ruled to be at fault for damages from an accident. Your liability coverage provides legal defense which can cost a lot. Liability insurance is pretty cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

High claims frequency drives up premiums – Insurance companies in North Carolina give the best rates to people who do not file claims often. If you file claims often, you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.

Job can influence premiums – Occupational choices like fire fighters, executives, and emergency personnel have higher rates than the rest of us in part from high stress and incredibly demanding work hours. On the other hand, occupations like actors, engineers and homemakers have the lowest average rates.

Performance influences insurance prices – The make and model of the vehicle you are buying insurance for makes a substantial difference in your rates. Small economy passenger cars usually have the lowest premiums, but the final cost of insurance is determined by many other factors.

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

More traffic equals higher rates – Residing in a rural area is a good thing when talking about auto insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. Urban drivers have traffic congestion and a longer drive to work. The longer drive time translates into higher accident risk.

Deter theft and pay less – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.

Insurance just makes sense

Even though Greensboro Lucerne insurance rates can get expensive, paying for insurance is a good idea for several reasons.

The benefits of insuring your car are definitely more than the cost, particularly for liability claims. An average driver in America overpays more than $855 a year so you should quote rates at every policy renewal to ensure rates are inline.

What is the best auto insurance company in Greensboro?

Picking the top insurer can be difficult considering how many companies are available to choose from in Greensboro. The company rank data shown below can help you pick which car insurance providers you want to consider when looking for cheaper rates.

Greensboro, North Carolina Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies