Car Insurance Quotes for a Buick Lucerne in Long Beach

Do you want to save money by buying more affordable Buick Lucerne insurance in Long Beach? Wish you could get out of an expensive insurance policy? Believe me, many Long Beach consumers feel financially strained by their insurance policy.

Insurance for Buick LucerneIt’s an obvious conclusion that car insurance companies don’t want you comparing rates. People who shop rates annually will most likely buy a new policy because they stand a good chance of finding discount prices. A study discovered that people who routinely shopped around saved approximately $865 annually compared to drivers who never compared prices.

If finding the most affordable Buick Lucerne insurance is your objective, then having a grasp of how to shop for coverages can help make the process easier. Insurance companies such as Progressive, State Farm and GEICO persitently shower you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

You should take the time to do rate comparisons at least once a year because insurance rates tend to go up over time. Despite the fact that you may have had the lowest rate on Buick Lucerne insurance in Long Beach last year you will most likely find a better price today. Forget all the misinformation about insurance because you’re about to learn one of the quickest ways to save money, get proper coverage and the best rates.

If you have a policy now or just want to reduce your rates, follow these tips to get lower rates without having to cut coverage. Finding the cheapest car insurance coverage in Long Beach is not that difficult as long as you know where to start. Smart shoppers just have to understand the quickest way to find the lowest price online.

Getting low cost auto insurance pricing is not rocket science. The only thing you need to do is spend a few minutes getting comparison quotes from different insurance companies.

It’s so easy to compare rates online that it takes the place of having to drive around to insurance agencies in your area. Buying insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the personal advice that only an agent can give. However, consumers can price shop online and have a local agent actually service the policy.

The companies shown below offer free rate quotes in Long Beach, CA. If you wish to find cheap car insurance in Long Beach, we suggest you visit several of them in order to find the cheapest rates.

Auto insurance discounts help lower rates for Buick Lucerne insurance in Long Beach

Some companies do not list all possible discounts very clearly, so the next list breaks down some of the more common and also the more inconspicuous credits available to lower your premiums when you buy Long Beach car insurance online. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.Discount auto insurance

You can save money using discounts, but most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

The illustration below shows the difference between Buick Lucerne insurance rates with and without discounts applied to the rates. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, homeowner, multi-policy, and multi-car discounts applied.

The best auto insurance companies and a selection of discounts are included below.

If you want affordable Long Beach car insurance quotes, ask every insurance company how many discounts you can get. Some credits may not apply in your state. To locate insurers with discount auto insurance rates in Long Beach, follow this link.

Rate information and statistics

The premium table shown below showcases detailed analysis of policy rates for Buick Lucerne models. Learning a little about how rate quotes are formulated can assist in making smart choices when purchasing an insurance policy.

Buick Lucerne Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $264 $524 $596 $36 $178 $1,598 $133
Lucerne CXL $264 $524 $596 $36 $178 $1,598 $133
Lucerne CXL Special Edition $264 $604 $596 $36 $178 $1,678 $140
Lucerne Super $294 $604 $596 $36 $178 $1,708 $142
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can change coverage prices greatly.

Physical damage deductible comparison

One frequently asked question is the level to set your comp and collision deductibles. The figures shown below lay out how much more rates are between low and high coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Buick Lucerne insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $386 $678 $442 $26 $132 $1,689 $141
Lucerne CXL $386 $678 $442 $26 $132 $1,689 $141
Lucerne CXL Special Edition $386 $780 $442 $26 $132 $1,791 $149
Lucerne Super $430 $780 $442 $26 $132 $1,835 $153
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Buick Lucerne insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $314 $546 $442 $26 $132 $1,460 $122
Lucerne CXL $314 $546 $442 $26 $132 $1,460 $122
Lucerne CXL Special Edition $314 $630 $442 $26 $132 $1,544 $129
Lucerne Super $348 $630 $442 $26 $132 $1,578 $132
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can modify coverage rates considerably.

Based on the data above, we can derive that using a $250 deductible costs roughly $20 more each month or $240 each year than opting for the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have more than 13 months between claim filings, you would save more money if you elect the higher deductible.

The chart below shows how choosing a deductible and can impact Buick Lucerne insurance rates for different age groups of insureds. The price estimates are based on a married male driver, comp and collision included, and no discounts are applied.

Local Long Beach insurance agencies and insurance

A small number of people just want to buy from a local agent and there is nothing wrong with that. Good insurance agents are trained risk managers and help you file claims. A good thing about comparing insurance prices online is you may find cheap insurance rates and still choose a local agent. And buying from local insurance agencies is important especially in Long Beach.

Find insurance agent in Long BeachUpon completion of this simple form, your coverage information is immediately sent to participating agents in Long Beach who will give you bids to get your business. There is no need to search for an agent as quotes are delivered to you directly. In the event you want to get a rate quote for a specific company, just visit that company’s website and complete a quote there.

Not all auto insurance agents are the same

If you want a local insurance agency, you should know the different types of agents and how they function. Agents in Long Beach are considered either independent agents or exclusive agents depending on their employer. Either one can sell affordable insurance policies, but it is a good idea to know the difference between them because it may have an impact on the type of agent you choose.

Independent Insurance Agents

Agents of this type often have affiliation with several companies so as a result can place your coverage with many different companies and find you cheaper rates. If they quote lower rates, the business is moved internally without you having to go to a different agency.

When comparing insurance rates, it’s recommended you get some free quotes from multiple independent agents so that you can do a thorough price comparison.

Featured below is a short list of independent insurance agencies in Long Beach who may be able to give you free insurance rate quotes.

100 Oceangate #1200Long Beach, CA 90802(562) 628-5553View Map

4400 Pacific Coast HwyLong Beach, CA 90804(562) 498-8661View Map

5175 E Pacific Coast Hwy #304Long Beach, CA 90804(562) 735-3125View Map

More Long Beach agents

Exclusive Agencies

Exclusive agencies write business for a single company and examples are Allstate and State Farm. Exclusive agents cannot compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually quite knowledgeable on sales techniques which aids in selling service over price.

Below is a list of exclusive agents in Long Beach willing to provide rate quotes.

5353 E 2nd St #207Long Beach, CA 90803(562) 434-0301View Map

6390 E Willow StLong Beach, CA 90815(562) 795-0488View Map

5000 E Spring St Ste 390Long Beach, CA 90815(562) 425-5109View Map

More Long Beach agents

Finding the right auto insurance agent shouldn’t rely on just a cheap price. These questions are important to ask:

Six Tips to Get Lower-cost Long Beach Insurance Premiums

Consumers need to have an understanding of some of the factors that go into determining your car insurance rates. When consumers understand what determines base rates, this enables you to make decisions that may reward you with big savings. Lots of things are part of the calculation when pricing auto insurance. Most are fairly basic like an MVR report, but other criteria are more transparent like your continuous coverage or your vehicle rating.

Buying the right Buick Lucerne insurance in California is an important decision

Despite the high insurance cost for a Buick Lucerne in Long Beach, insurance is required by state law in California and it also provides benefits you may not be aware of.

First, the majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to drive the car. In California 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.

Second, if you have a lien on your Lucerne, it’s guaranteed your bank will require you to carry insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender will be forced to insure your Buick at an extremely high rate and force you to pay for the much more expensive policy.

Third, auto insurance protects both your vehicle and your personal assets. It will also provide coverage for many types of medical costs that are the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your Buick gets damaged, collision and comprehensive coverages will pay to repair the damage.

The benefits of having auto insurance are definitely more than the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying over $830 a year so you should quote your policy with other companies each time the policy renews to help ensure money is not being wasted.

Cheap car insurance premiums are out there

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Cheaper car insurance in Long Beach can be sourced from both online companies and from local agencies, and you should compare rates from both to have the best chance of lowering rates. Some companies don’t offer online price quotes and usually these regional insurance providers prefer to sell through independent agents.

Steps to saving on Buick Lucerne insurance in Long Beach

Really, the only way to find low-cost Buick Lucerne insurance in Long Beach is to compare prices regularly from providers in California. You can compare rates by completing these steps.

A valuable tip to remember is to make sure you enter identical coverage information on every quote request and to quote with as many car insurance companies as possible. Doing this provides an accurate price comparison and and a good selection of different prices.

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