How to Compare Oakland Buick Lucerne Insurance

Insurance rates Buick Lucerne in OaklandTo save the most money, the best way to get the cheapest Buick Lucerne insurance is to regularly compare quotes from different companies in Oakland. Prices can be compared by following these steps.

  1. Try to understand how companies set rates and the measures you can take to prevent expensive coverage. Many things that cause high rates such as traffic violations, accidents, and a poor credit rating can be amended by making lifestyle changes or driving safer.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or State Farm, while independent agents can quote rates for many different companies.
  3. Compare the new rates to your current policy to determine if you can save on Lucerne insurance. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
  4. Notify your agent or company of your intent to cancel your current coverage. Submit the required down payment along with the signed application to your new insurance company. Immediately keep your new certificate verifying coverage along with the vehicle’s registration papers.

An important note is to use similar deductibles and liability limits on each price quote and and to analyze as many companies as possible. This provides the most accurate price comparison and plenty of rates choose from.

Shockingly, the vast majority of drivers kept their coverage with the same insurance company for four years or more, and just under half have never quoted rates to find affordable coverage. Consumers in California can cut their rates by nearly 35% a year just by comparing rates, but most undervalue the benefits if they switch to a new company.

Choosing the most cost-effective car insurance policy in Oakland is actually quite easy if you know where to start. In essence, every car owner who shops around for car insurance will more than likely find a lower-cost policy. Although California vehicle owners do need to understand how big insurance companies calculate your car insurance rates because it varies considerably.

Don’t overlook these Buick Lucerne insurance discounts

Companies don’t necessarily list all discounts very well, so here is a list a few of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy Oakland auto insurance online.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

The example below illustrates the comparison of Buick Lucerne insurance costs with and without discounts being applied to the rates. The rates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, safe-driver, claim-free, and homeowner discounts applied.

A list of auto insurance companies and a summarized list of policyholder discounts are detailed below.

Before purchasing a policy, check with all the companies which credits you are entitled to. Some of the earlier mentioned discounts may not apply in Oakland. To view auto insurance companies that offer the discounts shown above in California, click here to view.

When price shopping your coverage, more quotes gives you a better chance of getting more affordable insurance. Not every company allows you to get online rate quotes, so it’s important to compare price quotes from them, too.

The following companies provide comparison quotes in California. If you wish to find cheap car insurance in Oakland, CA, it’s a good idea that you compare several of them in order to get a fair rate comparison.

Buick Lucerne insurance charts and tables

The price information displayed next showcases a range of insurance premium costs for Buick Lucerne models. Having insight into how insurance prices are figured can benefit drivers when making smart choices when selecting a coverage provider.

Buick Lucerne Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $490 $810 $578 $34 $174 $2,086 $174
Lucerne CXL $490 $810 $578 $34 $174 $2,086 $174
Lucerne CXL Special Edition $490 $932 $578 $34 $174 $2,208 $184
Lucerne Super $546 $932 $578 $34 $174 $2,264 $189
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in vehicle garaging location which can change coverage prices substantially.

Higher deductibles lower rates

One frequently asked question is how high should the deductibles for physical damage be. The figures shown below may help to conceptualize the price difference of buying low and high coverage deductibles. The first data set uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Buick Lucerne insurance rates 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 rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $238 $426 $442 $26 $132 $1,264 $105
Lucerne CXL $238 $426 $442 $26 $132 $1,264 $105
Lucerne CXL Special Edition $238 $490 $442 $26 $132 $1,328 $111
Lucerne Super $266 $490 $442 $26 $132 $1,356 $113
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in Oakland location which can impact rates considerably.

Using the data above, we can ascertain that using a $100 deductible costs roughly $53 more each month or $636 a year than choosing the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 17 months between claims, you would probably save some money by selecting a higher deductible.

The example below highlights how deductible choice and can change Buick Lucerne insurance prices for different ages of insureds. The data assumes a married female driver, comp and collision included, and no discounts are applied.

Accidents and violations increase rates

The chart below demonstrates how citations and at-fault claims influence Buick Lucerne annual premium costs for different age groups. The data is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

Insurance Rate Influencing Factors

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that go into determining the level of your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that can help you get much lower annual insurance costs. Many different elements are taken into consideration when pricing auto insurance. Some are obvious like a motor vehicle report, although others are less obvious such as whether you are married and annual miles driven.

Vehicle risk influences premiums – The performance of the car, truck or SUV you need to insure makes a significant difference in how high your rates are. Lower cost passenger models usually are quite affordable to insure, but the cost you end up paying is determined by many additional factors.

The next chart uses these variables: married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. The chart compares Buick Lucerne rates compared to other makes and models that have different performances.

Save money by raising comp and collision deductibles – Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your Buick. Some coverage claims could be collision with another vehicle, hail damage, or theft. The deductibles you choose state the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more of the claim you pay before a claim is paid (deductible), the better rate you will receive.

Choose high crash test ratings and save – Vehicles that have high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts and thus lower rates. If the Buick Lucerne earned at least four stars on or an “acceptable” rating on you may be receiving a better rate.

Your credit rating is important – A driver’s credit rating will be a significant factor in calculating your premium rate. People that have good credit tend to be better drivers and file fewer claims than drivers who have poor credit. If your credit history is lower than you’d like, you could be paying less to insure your Buick Lucerne by improving your credit score.

Shop online but buy locally

A small number of people would rather go talk to an agent. The best thing about comparing rate quotes online is the fact that drivers can get cheap insurance quotes and still have an agent to talk to.

Insurance agency in OaklandBy using this form (opens in new window), your insurance coverage information is sent to agents in your area who will return price quotes for your coverage. It makes it easy because there is no need to drive around because prices are sent instantly to you. You can find better rates without having to waste a lot of time. If you want to compare rates from one company in particular, feel free to jump over to their website and complete a quote there.

Deciding on a company shouldn’t rely on just the price. Some important questions to ask are:

Oakland car insurance agents are either independent or exclusive

If you’re trying to find a reputable insurance agent or broker, you should know the different types of agents that you can select. Agents are either independent (non-exclusive) or exclusive.

Exclusive Agencies

Exclusive agents have only one company to place business with and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. They are trained well on their company’s products and that enables them to sell even at higher rates. Consumers frequently buy from the same agent for years primarily because of loyalty to the company and the convenience of having all coverages with one company.

The following are exclusive insurance agencies in Oakland that are able to give price quotes.

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Independent Insurance Agents

Independent agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and get you the best rates possible. If your premiums go up, they can switch companies in-house and you don’t have to do anything.

When shopping rates, it’s a good idea to get quotes from multiple independent agents to maximize your price options. Most can insure with small regional insurance companies which can save you money.

Shown below is a short list of independent insurance agencies in Oakland willing to provide rate quotes.

View more Oakland agents

If you get good answers for all questions you ask and an affordable coverage quote, chances are good that you have found an insurance agency that can be relied on to provide insurance coverage. It’s important to know that it’s your coverage and you can cancel a policy at any point so don’t think that you are permanently stuck with any specific agency indefinitely.

Auto insurance in California serves several purposes

Even though Oakland Lucerne insurance rates can get expensive, insurance is mandatory in California but it also protects more than you think.

The benefits of carrying enough insurance greatly outweigh the cost, especially if you ever need it. But the average American driver is overpaying more than $810 a year so smart consumers compare quotes at every renewal to be sure current rates are still competitive.

Quote more and you will save more

Lower-priced insurance in Oakland is definitely available from both online companies in addition to many Oakland insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies may not offer rates over the internet and most of the time these small, regional companies sell through local independent agents.

Drivers change insurance companies for a variety of reasons including denial of a claim, policy cancellation, questionable increases in premium and high rates after DUI convictions. It doesn’t matter what your reason, finding the right insurance provider can be easy and end up saving you some money.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. There are too many instances where someone sacrificed collision coverage to discover at claim time that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at the best price.

To learn more, take a look at the resources below: