Affordable Insurance for a Buick Lucerne in New Orleans

Insurance quote for Buick Lucerne in New OrleansAmazingly, a recent study showed that most auto insurance buyers have remained with the same auto insurance company for more than four years, and 38% of customers have never compared auto insurance rates at all. Many drivers in Louisiana could pocket as much as $900 a year just by shopping around, but they don’t know the large savings they would see if they replace their high priced policy.

The best way to find affordable quotes for Buick Lucerne insurance is to start comparing prices yearly from insurance carriers that sell auto insurance in New Orleans.

First, spend a few minutes and learn about how companies set rates and the factors you can control to keep rates down. Many risk factors that result in higher prices such as accidents, traffic tickets, and a substandard credit history can be improved by paying attention to minor details. Keep reading for more ideas to get lower rates and find additional discounts.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive and State Farm, while independent agents can provide prices for a wide range of insurance providers.

Third, compare the new rates to your existing policy to see if a cheaper price is available in New Orleans. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

An important note is to try to compare the same liability limits and deductibles on every quote request and and to get prices from as many companies as possible. Doing this guarantees the most accurate price comparison and the most accurate and complete price analysis.

When comparing car insurance rates, know that obtaining a wide range of quotes provides better odds of finding the best price.

The companies in the list below are our best choices to provide price quotes in New Orleans, LA. To get the cheapest car insurance in New Orleans, LA, we suggest you visit several of them to find the most affordable car insurance rates.

Buick Lucerne insurance discounts in New Orleans

Insuring your fleet can be pricey, but you might be missing out on some discounts that you may not even be aware of. Some of these discounts will be visible at the time of purchase, but once in a while a discount must be asked for before being credited.Cheaper auto insurance with discounts

Policy discounts save money, but some credits don’t apply to the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will cut your overall bill.

The information below visualizes the comparison of Buick Lucerne insurance premiums with and without discounts applied to the rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Louisiana state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, homeowner, multi-car, and claim-free discounts applied.

If you would like to view auto insurance companies who offer discounts in Louisiana, click here.

Buick Lucerne insurance rate analysis

The data table displayed next showcases different insurance premium costs for Buick Lucerne models. Being more informed about how premiums are formulated is important for drivers to make decisions when shopping around.

Buick Lucerne Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $240 $506 $604 $36 $180 $1,566 $131
Lucerne CXL $240 $506 $604 $36 $180 $1,566 $131
Lucerne CXL Special Edition $240 $584 $604 $36 $180 $1,644 $137
Lucerne Super $268 $584 $604 $36 $180 $1,672 $139
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific zip code location which can revise insurance rates considerably.

Rate comparison for different deductibles

When comparing insurance rates, the most common question is what deductibles to buy. The rates below may help to conceptualize the costs and benefits between high and low coverage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Buick Lucerne insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $452 $850 $464 $28 $140 $1,959 $163
Lucerne CXL $452 $850 $464 $28 $140 $1,959 $163
Lucerne CXL Special Edition $452 $980 $464 $28 $140 $2,089 $174
Lucerne Super $502 $980 $464 $28 $140 $2,139 $178
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Buick Lucerne insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $330 $574 $464 $28 $140 $1,536 $128
Lucerne CXL $330 $574 $464 $28 $140 $1,536 $128
Lucerne CXL Special Edition $330 $662 $464 $28 $140 $1,624 $135
Lucerne Super $366 $662 $464 $28 $140 $1,660 $138
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in vehicle garaging location which can raise or lower coverage rates noticeably.

Based on the above data, using a $100 deductible costs an average of $38 more each month or $456 annually than requesting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 11 months between claims, you would probably save some money by going with a higher deductible.

The chart below illustrates how choosing a deductible and can affect Buick Lucerne insurance costs for each age group. The data assumes a single female driver, full physical damage coverage, and no discounts are applied to the premium.

Men versus women drivers and insurance cost

The example below compares Buick Lucerne premium costs for male and female drivers. The premiums assume no accidents, no driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied.

Ratings for Louisiana car insurance companies

Insuring your vehicle with the top car insurance company is hard considering how many different companies sell coverage in Louisiana. The company ratings shown below could help you analyze which auto insurers you want to consider when looking for cheaper rates.

Top 10 New Orleans Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 New Orleans Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

How Your Lucerne Insurance Rates are Determined

Multiple criteria are used when quoting car insurance. A few of the factors are predictable such as your driving history, although others are not quite as obvious like your vehicle usage or how safe your car is.

The following are some of the things used by your company to calculate your rate level.