Buick Lucerne Car Insurance

Finding Buick Lucerne car insurance doesn't have to be hard. Knowing a few simple tricks can make finding affordable car insurance easy. Here, we can tell you that the average Buick Lucerne car insurance costs will vary depending on where you live and what company you choose. The average cost in Maine is only $51 while Lucerne car insurance costs more than twice as much in Montana at $107. One of the best ways to save is to get multiple Buick Lucerne car insurance quotes from several companies. Often, car insurance companies will offer great discounts to entice new customers.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Now more than ever, it’s important for Buick Lucerne drivers to have the car insurance policy they need to protect their investment. You don’t want to be caught driving illegally due to not having any insurance at all, but you also want to make sure you have the right type of coverage based on where you live and what type of Lucerne you drive.

Buick Lucerne car insurance rates can vary a lot depending on where you live and your own driving record. The cheapest state for insuring a Buick Lucerne is Maine and the company with the lowest average Buick Lucerne car insurance rate is Nationwide at only $96.

Finding cheap car insurance rates for your Buick Lucerne doesn’t mean getting a bad policy, though. Below, we’ll go into details about this particular model of luxury Buick sedans, and we’ll also help you get a more affordable rate on your monthly premium. You can start by comparing multiple Buick Lucerne insurance rates with our FREE search tool right now.

A Brief History of Buick Lucerne

Production of the Buick Lucerne discontinued in 2011, replace by the now popular Buick LaCrosse. Many drivers may not know this, but the inspiration for the Lucerne name came from the city of Lucerne, Switzerland. Overall, the Lucerne earned a “good” rating from the IIHS with regards to front impact collisions, but only an “acceptable” rating in side impact collision tests. Keep in mind also that safety ratings on your automobile will have an effect on your monthly premiums, so if you feel like you’re paying too much for your car insurance policy on your Buick Lucerne, this may be part of the reason why.

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Buick Lucerne in the News

Speaking of the Buick Lucerne’s safety rating, news reports about this vehicle in recent years have reported several serious – and sometimes fatal – accidents in which one of the parties was driving a Lucerne. Driver error was of course a factor in all of these accidents, but it begs the question about weather these accidents could have been less severe (or less deadly) if the car’s design had been engineered with a stronger emphasis on safe and sturdy construction.

Comparing Buick Lucerne Auto Insurance

Aside from the age and the safety rating of your vehicle, the area where you drive it the most will have a significant role in determining what your insurance premiums are. Densely populated areas, of course, typically have higher rates of accidents, increasing your chance of getting into one. Larger cities also have higher rates of theft and vandalism, which means you’re more likely to cost your insurance provider money by filing expensive claims against your comprehensive or collision coverage.

Buick Lucerne Auto Insurance by StateLegend: Buick Lucerne MontanaRhode IslandConnecticutMaineWisconsin 102030405060708090100$107$106$58$51$78

But your location isn’t the only reason your premiums may fluctuate wildly. If you compare quotes from at least three different local insurance companies, you’re probably going to get a different price from each one. Sometimes, those prices could very by two or three figures per month. Without comparison shopping, you can’t be sure that you’re getting the best deal. So it’s important to do your research before you make a decision on a particular company.

Buick Lucerne Car Insurance by CompanyLegend: Buick Lucerne NationwideState AutoAlliedFarmersAllstate 102030405060708090100110120130$96$114$119$126$138

Since new Buick Lucernes have not been produced since 2011, odds are the sedan you’re driving now (or the used sedan you may be thinking about buying) is at least five years old or more. Older cars typically don’t need as much coverage, because they’re less expensive to repair and they’re less likely to be vandalized or stolen. However, if you want the peace of mind of knowing that you will be protected in every possible situation, you could elect to purchase more coverage – in exchange for a higher monthly premium, that is.

Buick Lucerne Car Insurance by CoverageLegend: Comprehensive Coverage Used Vehicle Coverage Minimum Legal Coverage NationwideState AutoAlliedFarmersAllstate 102030405060708090100110120130$96$85$49$114$111$51$119$114$60$126$108$63$138$113$69

There are so many different factors that can have large and small impacts on your total premium that it’s enough to make your head spin. But we are here to help clear up the confusion. If you’re looking for a more affordable rate on your current Buick Lucerne auto insurance, then you’ve come to the right place.

We can help you shop around and compare quick and easy quotes from major insurance companies in your area. To start, you can compare multiple rates by using our FREE auto insurance comparison tool.

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