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. 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.
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.
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.
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.
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.
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.
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 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.
See also: General Motors Car Insurance