Save Money on Buick Lucerne Insurance in Scottsdale

It takes a little time, but the best way to get the cheapest Buick Lucerne insurance is to start doing an annual price comparison from companies who can sell car insurance in Scottsdale. You can compare prices by following these steps.

Step 1: Get a basic knowledge of how insurance companies determine prices and the factors you can control to prevent high rates. Many policy risk factors that are responsible for high rates like careless driving and a low credit rating can be remedied by paying attention to minor details. This article provides instructions to find cheap prices and find missing discounts.

Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can provide price quotes from multiple companies.

Step 3: Compare the price quotes to your existing coverage to see if a cheaper price is available in Scottsdale. If you find a better price, make sure coverage is continuous and does not lapse.

Step 4: Give notification to your agent or company to cancel your current coverage. Submit the completed application along with a down payment for your new policy. As soon as you can, safely store the certificate verifying coverage along with the vehicle’s registration papers.

One tip to remember is to use similar deductibles and liability limits on each price quote and and to compare every insurance company. This guarantees an apples-to-apples comparison and many rates to choose from.

Unfortunately, almost 70% of insureds in Arizona kept their coverage with the same car insurance company for a minimum of four years, and approximately 40% of consumers have never compared rates from other carriers. Drivers in the United States could save up to $850 every year just by comparing rates, but they underestimate how much they could save if they just switched companies.

It’s important to know that comparing a large number of companies helps locate the best rates. Some companies don’t provide rate quotes online, so you need to compare rates from them, too.

The companies shown below offer free quotes in Arizona. To find cheap car insurance in Scottsdale, it’s a good idea that you visit several of them to get the lowest price.

Analysis of Buick Lucerne rates

The information shown next showcases a range of insurance policy prices for Buick Lucerne models. Understanding more about how car insurance prices are figured can be of help when making decisions when choosing a new policy provider.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Scottsdale which can increase or decrease auto insurance rates greatly.

Deductible comparison

When shopping for insurance, a common question is how high or low should comp and collision deductibles be. The following tables illustrate the cost difference when you buy lower versus higher coverage deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower rates significantly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $26 more each month or $312 a year averaged for all Lucerne models than opting for the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 29 months between claim filings, you would most likely save money if you choose a higher deductible. The table below illustrates the way this calculation is made.

The illustration below shows how different deductible levels and can change Buick Lucerne annual premium costs for each age group. The rates are based on a single male driver, full physical damage coverage, and no policy discounts are applied.

Why do I need car insurance?

Despite the high insurance cost for a Buick Lucerne in Scottsdale, maintaining insurance may be required for several reasons.

First, the majority of states have minimum liability requirements which means the state requires a specific level of liability protection in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a loan, most lenders will require you to buy insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Buick for a lot more money and force you to pay for the expensive policy.

Third, car insurance protects your vehicle and your assets. It will also cover many types of medical costs for you, any passengers, and anyone injured in an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If your Buick gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance outweigh the cost, especially for larger claims. But the average driver in Arizona overpays as much as $810 a year so compare rates at every policy renewal to help ensure money is not being wasted.

Car insurance coverage breakdown

Learning about specific coverages of your car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many Arizona drivers only carry the minimum required liability limits (15/30/10 in Arizona), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

This coverage pays for damage to your Lucerne caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible on your Lucerne to get cheaper collision coverage.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, fire damage, a broken windshield, theft and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 15/30/10 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, bail bonds, court costs and structural damage. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but it’s recommended drivers buy more liability than the minimum.

The next chart demonstrates why buying the state minimum limits may not be adequate.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for things like hospital visits, nursing services and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Don’t give up on cheaper rates

When searching for affordable Buick Lucerne insurance quotes, it’s very important that you do not reduce coverage to reduce premium. In many instances, consumers will sacrifice physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.

Cost effective Buick Lucerne insurance is available from both online companies in addition to many Scottsdale insurance agents, and you should compare rates from both to have the best rate selection. Some auto insurance companies do not offer the ability to get a quote online and these smaller companies work with independent insurance agencies.

We just showed you a lot of ways to get a better price on Buick Lucerne insurance in Scottsdale. The key concept to understand is the more providers you compare, the better chance you’ll have of finding cheaper Scottsdale auto insurance quotes. You may even be surprised to find that the lowest prices are with some of the lesser-known companies.

More learning opportunities

• What is a Telematics Device? (Allstate)
• Who Has Affordable Car Insurance Quotes for Low Mileage Drivers in Scottsdale? (FAQ)
• How Much are Car Insurance Rates for a Toyota RAV4 in Scottsdale? (FAQ)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)