Best Rate Quotes for Buick Lucerne Insurance in Aurora

To save the most money, the best way to find the cheapest price for Buick Lucerne insurance is to compare prices once a year from insurance carriers who sell auto insurance in Aurora. This can be done by following these guidelines.

One key aspect when comparing rates is to compare identical coverages on every quote and and to get prices from as many car insurance companies as possible. Doing this provides the most accurate price comparison and the best price selection.

Discount Buick Lucerne insuranceWe don’t have to tell you that auto insurance companies don’t want you quoting rates from other companies. Consumers who shop around at least once a year are highly likely to move their business because there is a significant possibility of finding coverage at a more affordable price. Surprisingly, a recent survey revealed that people who made a habit of comparing rate quotes saved $850 each year as compared to drivers who never shopped around for lower prices.

If finding the lowest rates on Buick Lucerne insurance is your ultimate objective, then learning about how to choose a company and compare auto insurance can save time and make the process easier.

Obtaining price quotes for the lowest-priced auto insurance in Aurora is easy to do. If you have coverage now or just want to reduce your rates, follow these tips to get lower rates without sacrificing coverage. Drivers just have to learn the proper way to compare prices online from multiple companies.

The companies shown below are ready to provide comparison quotes in Aurora, CO. If your goal is to find the best cheap car insurance in Aurora, we suggest you click on several of them to find the cheapest auto insurance rates.

Protect your Buick vehicle and other assets

Despite the high cost of buying insurance for a Buick Lucerne in Aurora, insurance is required in Colorado but also provides important benefits.

The benefits of buying enough insurance are without a doubt worth the cost, specifically if you ever have a liability claim. Today the average American driver overpays more than $825 a year so compare rates every year to ensure rates are inline.

Detailed insurance information

The information shown below covers a range of rate quotes for Buick Lucerne models. Having knowledge of how car insurance prices are calculated is important for making smart choices when buying a policy.

Buick Lucerne Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $226 $400 $362 $22 $108 $1,118 $93
Lucerne CXL $226 $400 $362 $22 $108 $1,118 $93
Lucerne CXL Special Edition $226 $460 $362 $22 $108 $1,178 $98
Lucerne Super $252 $460 $362 $22 $108 $1,204 $100
Get Your Own Custom Quote Go

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in zip code location which can lower or raise premiums substantially.

Deductible comparison

The hardest decision when buying coverage is which deductible level should you buy. The following insurance rates can help you visualize the differences in premium rates between low and high physical damage coverage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Buick Lucerne insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $306 $538 $352 $20 $106 $1,347 $112
Lucerne CXL $306 $538 $352 $20 $106 $1,347 $112
Lucerne CXL Special Edition $306 $620 $352 $20 $106 $1,429 $119
Lucerne Super $342 $620 $352 $20 $106 $1,465 $122
Get Your Own Custom Quote Go

Buick Lucerne insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $190 $340 $352 $20 $106 $1,008 $84
Lucerne CXL $190 $340 $352 $20 $106 $1,008 $84
Lucerne CXL Special Edition $190 $390 $352 $20 $106 $1,058 $88
Lucerne Super $210 $390 $352 $20 $106 $1,078 $90
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in Aurora location which can lower or raise premium rates greatly.

We can estimate from the data above that using a $250 deductible will cost you roughly $29 more each month or $348 each year than buying the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 26 months between claims, you would save money going with the higher deductible. Below is the way we made this calculation.

Average monthly premium for $250 deductibles: $116
Average monthly premium for $1,000 deductibles (subtract): – $87
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

The information below illustrates how choosing a deductible and can change Buick Lucerne insurance costs for each age group. The costs are based on a single female driver, comp and collision included, and no discounts are applied to the premium.

Careless drivers pay higher rates

The diagram below demonstrates how traffic citations and at-fault claims can influence Buick Lucerne insurance prices for different insured age categories. The premiums assume a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Insurance premiums for males and females

The example below shows the difference between Buick Lucerne car insurance rates for male and female drivers. Data assumes no accidents, no driving violations, full physical damage coverage, $250 deductibles, single marital status, and no discounts are applied.

Get cheaper Buick Lucerne insurance in Aurora with discounts

Car insurance companies don’t necessarily list the entire discount list very clearly, so the list below details some of the best known and also the more inconspicuous credits that you can use to lower your rates. If they aren’t giving you every credit possible, you may be paying too high a price.Cheaper auto insurance with discounts

Please keep in mind that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. So even though you would think it’s possible to get free car insurance, nobody gets a free ride.

The diagram below compares Buick Lucerne premium costs with and without discounts being applied to the rates. The premiums are based on a male driver, no claims, a clean driving record, Colorado state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-policy, multi-car, and safe-driver discounts applied.

Popular auto insurance companies and a summarized list of policyholder discounts include:

Before you buy a policy, ask every company how many discounts you can get. All car insurance discounts may not be offered in your area. To view insurance companies who offer cheap Buick Lucerne insurance quotes in Aurora, click this link.

You are unique and your insurance should be too

Always remember that when buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect thatDrive safe and save
Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Which car insurance company is best in Aurora?

Insuring your vehicle with a high-quality insurance provider can be challenging considering how many different companies there are to choose from in Aurora. The company ratings below may help you pick which auto insurance companies to look at to insure your vehicles.

Aurora, Colorado Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
Compare Rates Now Go

Data Source: Best Car Insurance Companies