Compare Buick Lucerne Insurance Quotes in Newark

  1. Home
  2. >
  3. Newark Auto Insurance
  4. >
  5. Buick Lucerne

A study showed that the vast majority of consumers have been with the same company for well over three years, and 38% of drivers have never taken the time to shop around. Drivers in Newark could save almost $720 every year just by comparing rates, but they underestimate the amount of money they would save if they replace their high priced policy.

Insurance for Buick LucerneTruthfully, the best way to find low-cost car insurance rates is to start doing an annual price comparison from insurers that sell auto insurance in Newark. Prices can be compared by completing these steps.

Step 1: Get a basic knowledge of policy coverages and the modifications you can make to prevent expensive coverage. Many factors that result in higher rates such as accidents, careless driving, and an imperfect credit rating can be remedied by making minor changes to your lifestyle. Keep reading for the details to lower rates and find available discounts that you may qualify for.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like Progressive or State Farm, while independent agents can quote rates from multiple insurance companies. View companies

Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper price is available in Newark. If you can save some money, ensure there is no coverage lapse between policies.

Step 4: Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit the required down payment along with the signed application to your new insurance company. Once the paperwork is finalized, place your new certificate verifying proof of insurance with the vehicle registration.

One key aspect when comparing rates is to compare identical coverages on each quote request and and to compare as many different companies as possible. Doing this helps ensure the most accurate price comparison and maximum price selection.

The companies in the list below offer price quotes in Newark, NJ. In order to find cheap car insurance in NJ, we recommend you click on several of them in order to get a fair rate comparison.

Buick Lucerne coverage analysis

The premium information below showcases estimates of insurance policy prices for Buick Lucerne models. Learning a little about how insurance policy premiums are established can aid in making decisions when shopping around.

Buick Lucerne Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $518 $1082 $648 $38 $194 $2,480 $207
Lucerne CXL $518 $1082 $648 $38 $194 $2,480 $207
Lucerne CXL Special Edition $518 $1246 $648 $38 $194 $2,644 $220
Lucerne Super $578 $1246 $648 $38 $194 $2,704 $225
Get Your Own Custom Quote Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in zip code location which can decrease or increase coverage rates noticeably.

Higher deductibles save money

When buying insurance, a common question is how high should the physical damage deductibles be. The comparison tables below may help you to understand the rate difference of buying low and high deductibles. The first price estimate table uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Buick Lucerne insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $420 $738 $480 $28 $144 $1,835 $153
Lucerne CXL $420 $738 $480 $28 $144 $1,835 $153
Lucerne CXL Special Edition $420 $848 $480 $28 $144 $1,945 $162
Lucerne Super $466 $848 $480 $28 $144 $1,991 $166
Get Your Own Custom Quote Go
Buick Lucerne insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $340 $594 $480 $28 $144 $1,586 $132
Lucerne CXL $340 $594 $480 $28 $144 $1,586 $132
Lucerne CXL Special Edition $340 $684 $480 $28 $144 $1,676 $140
Lucerne Super $380 $684 $480 $28 $144 $1,716 $143
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can revise coverage prices significantly.

Based on the figures above, using a $250 deductible costs approximately $22 more each month or $264 every year than requesting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 11 months between claims, you would more than likely save some money by selecting a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $159
Average monthly premium for $500 deductibles (subtract): - $137
Monthly savings from raising deductible: $22
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

Difference between full coverage and liability only rates

The example below compares Buick Lucerne auto insurance rates with full coverage compared to only the New Jersey minimum liability coverage. The prices are based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

When to drop full coverage

There is no set rule of when to phase out comp and collision coverage, but there is a general guideline. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Buick Lucerne replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after you pay the deductible. If it's costing you more than $700 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Insuring your vehicle just makes sense

Despite the high cost, insurance is most likely required but also gives you several important benefits.

  • Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you drive a vehicle. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a lien on your vehicle, it's guaranteed your bank will have a requirement that you have physical damage coverage to guarantee their interest in the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Buick at a more expensive rate and force you to pay a much higher amount than you were paying before.
  • Insurance protects both your Buick and your assets. Insurance will pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance will also pay to defend you if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance outweigh the cost, especially for larger claims. As of last year, the average driver in New Jersey is overpaying over $800 each year so you should quote your policy with other companies at every policy renewal to ensure rates are inline.

How You Can Control Buick Lucerne Insurance Rates

An important part of buying insurance is that you know the rating factors that go into determining car insurance rates. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that can help you get big savings.

The factors shown below are some of the factors car insurance companies consider when setting your prices.

Cheaper car insurance rates for prior coverage - Driving with no insurance is illegal and you may have a hard time finding new coverage because you let your coverage have a gap. In addition to paying higher premiums, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.

Stay claim-free and save - Companies in New Jersey award most affordable rates to people who are claim-free. If you file claims often, you can expect increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of larger claims.

Physical damage deductibles are a factor - Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your Buick. Examples of covered claims are a windshield shattered by a rock, vandalism, and damage from a fallen tree branch. Your deductibles define the amount you are willing to pay before your car insurance pays a claim. The more expense you pay before a claim is paid (deductible), the lower your rates will be.

High performance vehicles cost more to insure - The performance level of the vehicle you are insuring makes a big difference in how high your rates are. The cheapest rates are usually found on the lowest performance passenger cars, but the cost you end up paying is determined by many additional factors.

The following data uses these assumptions: single male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It compares Buick Lucerne insurance premiums compared to other makes and models that have a range of performances.

Employer can influence prices - Did you know your car insurance rates can be affected by your occupation? Occupational choices like doctors, airline pilots, and accountants usually pay the highest rates attributed to stressful work requirements and lengthy work days. On the flip side, jobs such as actors, engineers and retirees have lower than average premiums.

Men pay more for car insurance - Over the last 50 years, statistics have shown women are more cautious behind the wheel. That doesn't necessarily mean that females are better at driving than males. Both genders cause auto accidents at about the same rate, but males have accidents that have higher claims. They also get cited for more serious violations like driving under the influence (DUI).

The diagram below illustrates the comparison of Buick Lucerne car insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Lower rates by qualifying for discounts

Car insurance is neither fun to buy or cheap, but you can get discounts that could help you make your next renewal payment. Some discounts will apply at quote time, but a few need to be specially asked for before being credited.Save money with discounts

  • Driver's Ed - Teen drivers should participate in a local driver's education class if offered at their school.
  • Defensive Driver Discount - Taking a course in safe driver could possibly earn you a 5% discount if your company offers it.
  • Seat Belts Save - Requiring all passengers to wear their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out some life insurance too.
  • Multi-car Discount - Purchasing coverage when you have multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
  • Online Discount - Some of the larger companies give back up to $50 shop Newark car insurance digitally online.

Discounts save money, but please remember that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

The illustration below illustrates the comparison of Buick Lucerne insurance prices with and without discounts being applied to the rates. The price estimates are based on a male driver, no claims or driving citations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, claim-free, and safe-driver discounts applied.

If you would like to see a list of insurance companies with significant discounts in New Jersey, follow this link.

Insurance agents can help

When buying the best insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone's situation is a little different so your insurance needs to address that.Safe vehicles cost less to insure Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • Am I better off with higher deductibles on my Buick Lucerne?
  • Who is covered when they drive my Buick Lucerne?
  • Am I insured when driving a different vehicle?
  • Am I covered by my spouse's policy after a separation?
  • What is the minimum liability in New Jersey?
  • Am I covered if I break a side mirror?
  • Should I get collision insurance on every vehicle?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Local Newark insurance agencies

A small number of people still prefer to sit down with an agent and often times that is recommended Insurance agents can help determine the best coverages and help submit paperwork. A nice benefit of comparing insurance prices online is that you can find better rates and also buy local. Buying from and supporting local insurance agents is especially important in Newark.

Insurance agents in NewarkAfter completing this short form, your coverage information is emailed to insurance agents in Newark who want to provide quotes for your coverage. You won't need to find an agent on your own since rate quotes are delivered instantly to you. If you have a need to get a price quote from a specific insurance company, feel free to navigate to their website and give them your coverage information.

Below is a list of insurance companies in Newark that can give you rate quotes for Buick Lucerne insurance in Newark.

View more Newark agents

Finding a good provider should depend on more than just the bottom line cost. Any agent in Newark should be willing to answer these questions.

  • Can you contact them at any time?
  • Can they provide you with a list of referrals?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Do they make recommendations based only on price?
  • Which family members are covered?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • What are the financial ratings for the companies they represent?
  • Can you choose the body shop in case repairs are needed?

Persistence will pay off

While you're price shopping online, you should never sacrifice coverage to reduce premiums. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your objective should be to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

Lower-priced Buick Lucerne insurance in Newark can be purchased on the web as well as from independent agents in Newark, and you should be comparing both to have the best rate selection. Some insurance providers do not provide online price quotes and many times these smaller providers only sell coverage through independent agencies.

Other information