Do you want to learn how to find low-cost Buick Lucerne insurance in Charlotte? Locating lower priced Charlotte Buick Lucerne insurance quotes might seem intimidating for vehicle owners new to quoting and comparing rates and buying car insurance over the internet. With so many companies, how can Charlotte drivers be able to compare every company in order to find the lowest rates?
How to find low-cost Buick Lucerne insurance in Charlotte
The best way we recommend to get more affordable Buick Lucerne insurance in Charlotte is to compare quotes annually from providers that insure vehicles in North Carolina.
First, try to learn a little about how insurance works and the things you can control to keep rates in check. Many factors that result in higher prices like accidents, traffic violations, and an unacceptable credit history can be rectified by being financially responsible and driving safely.
Second, compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can quote prices for many different companies.
Third, compare the new rates to your existing policy to see if switching to a new carrier will save money. If you find a better price and make a switch, make sure there is no coverage gap between policies.
Fourth, provide notification to your current agent or company of your intention to cancel your current coverage. Submit a completed policy application and payment to your new carrier. Be sure to put the certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
One tip to remember is that you’ll want to compare identical limits and deductibles on every quote request and and to get rate quotes from every insurance company. Doing this helps ensure a level playing field and the best price quote selection.
It’s an obvious statement that auto insurance companies don’t want you to look for cheaper rates. Consumers who shop around for the cheapest price will most likely switch car insurance companies because there are good odds of finding a lower rate. Surprisingly, a recent survey revealed that consumers who regularly shopped around saved $3,400 over four years compared to other drivers who never shopped around.
If finding the cheapest rates on insurance is why you’re reading this, then learning about the best ways to find and compare cheaper coverage can make it easier for you to save money.
Consumers should take time to quote other rates occasionally because prices are constantly changing. If you had the lowest rates on Buick Lucerne insurance in Charlotte six months ago you can probably find a better premium rate now. Block out anything you think you know about car insurance because it’s time to teach you the easiest way to reduce your cost while increasing coverage.
If you’re already insured, you will definitely be able to find better prices using the techniques presented in this article. Obtaining price quotes for more affordable car insurance coverage in Charlotte is actually quite simple. But North Carolina drivers benefit from understanding the methods companies use to sell online because it varies considerably.
There are several ways of comparing price quotes from many available car insurance companies in North Carolina. By far the easiest way to lower the rate you pay for Buick Lucerne insurance is to use the internet to compare rates.
When quoting car insurance, remember that quoting more helps locate the best price. Not every company provides rate quotes online, so it’s important to compare prices from them as well.
The companies in the list below have been selected to offer free rate quotes in North Carolina. To locate cheap car insurance in Charlotte, NC, we recommend you click on several of them in order to find the lowest rates.
Three good reasons to insure your Buick vehicle
Despite the high insurance cost for a Buick Lucerne in Charlotte, maintaining insurance serves a purpose in several ways.
First, just about all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability coverage in order to get the vehicle licensed. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a lien on your Buick Lucerne, it’s most likely the lender will require you to buy insurance to guarantee their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Buick at a much higher premium rate and force you to pay for the much more expensive policy.
Third, insurance preserves both your Buick Lucerne and your personal assets. It will also provide coverage for medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of buying insurance greatly outweigh the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver overpays more than $869 every year so you should quote and compare rates each time the policy renews to ensure rates are inline.
Coverage information
The coverage table below showcases different prices for Buick Lucerne models. Having a better idea how premiums are figured can aid in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lucerne CX | $132 | $276 | $302 | $18 | $90 | $818 | $68 |
| Lucerne CXL | $132 | $276 | $302 | $18 | $90 | $818 | $68 |
| Lucerne CXL Special Edition | $132 | $318 | $302 | $18 | $90 | $860 | $72 |
| Lucerne Super | $146 | $318 | $302 | $18 | $90 | $874 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in zip code location which can change premiums greatly.
Full coverage rates compared to liability-only
The diagram below shows the comparison of Buick Lucerne insurance rates with and without physical damage coverage. The information is based on no violations or claims, $250 deductibles, single status, and no policy discounts are applied.
When to switch to liability coverage only
There is no definitive guideline to eliminate physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Buick Lucerne settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after paying your policy deductible. If you are currently paying more than $300 annually for your policy with full coverage, then you might consider buying liability only.
There are some scenarios where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Companies offer many types of discounts on Buick Lucerne insurance in Charlotte
The price of auto insurance can be rather high, but you may be missing some discounts that you may not even know about. A few discounts will be applied when you purchase, but some discounts are required to be specifically requested before you will receive the discount.
- Discount for Good Grades – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
- Charlotte Homeowners Pay Less – Just being a homeowner can get you a discount because maintaining a house requires a higher level of personal finance.
- Discounts for Multiple Vehicles – Buying coverage for all your vehicles with one company may reduce the rate for each vehicle.
- Telematics Devices – Drivers that enable their company to look at when and where they use their vehicle remotely such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they show good driving skills.
- Paper-free Discount – Many larger companies will provide an incentive for buying your policy on the web.
- Passive Restraints – Options like air bags or automatic seat belts can get savings of 20% or more.
- Driver Education Discount – Have your child participate in a local driver’s education class in school.
- Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
- Senior Citizen Rates – If you’re over the age of 55, you can possibly qualify for reduced rates.
A little note about advertised discounts, most discounts do not apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will lower the cost of coverage.
The example below shows the comparison of Buick Lucerne insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no claims or violations, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, claim-free, marriage, and multi-car discounts applied.
If you would like to view providers that provide some of the discounts listed above in Charlotte, follow this link.
Independent versus exclusive car insurance agents
Some consumers just prefer to sit down and talk to an agent and doing that can be a smart decision The biggest benefit of comparing insurance prices online is that drivers can save money and get better rates and still buy from a local agent.
To make it easy to find an agent, after completing this quick form, your information is instantly submitted to insurance agents in Charlotte who will return price quotes for your business. There is no need to find an agent on your own because quoted prices will be sent directly to your email. You can find better rates AND an agent nearby. If you need to get a price quote from a particular provider, you would need to go to their quote page and submit a quote form there.
Choosing the best company requires you to look at more than just a cheap price quote. Some important questions to ask are:
- Does the agency support the community they serve?
- How long have they been in business?
- What company do they have the most business with?
- Do they get paid more for recommending certain coverages?
- How much can you save by raising your physical damage deductibles?
- Do they assist clients in filing claims?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they write coverage based solely on cost?
Two types of car insurance agents
If you’re trying to find local Charlotte agents, you must know there are a couple different types of agencies and how they can quote your rates. Auto insurance agencies are considered either independent agents or exclusive agents depending on their employer.
Exclusive Auto Insurance Agents
Agents that elect to be exclusive generally can only insure with one company and examples are Allstate, State Farm and Farm Bureau. They generally cannot place coverage with different providers so they have to upsell other benefits. These agents are well schooled on the products they sell and that enables them to sell even at higher rates. Some consumers prefer to buy insurance from these agents primarily because of the prominent brand name rather than having the cheapest rates.
The following are exclusive insurance agencies in Charlotte that can give you price quote information.
- State Farm: Rob Heath
6215 Brookshire Blvd – Charlotte, NC 28216 – (704) 392-4166 – View Map - Uwem Equan – State Farm Insurance Agent
5412 Central Ave b – Charlotte, NC 28212 – (704) 535-4090 – View Map - Sarah Highfill – State Farm Insurance Agent
7845 Colony Rd – Charlotte, NC 28226 – (704) 541-9999 – View Map
Independent Agencies or Brokers
Independent insurance agents do not sell for just one brand so they can quote policies with lots of companies and get you the best rates possible. If premiums increase, your policy is moved internally which requires no work on your part. If you are trying to find cheaper rates, we recommend you get several quotes from at a minimum one independent agency to get the most accurate price comparison. They often place coverage with different regional companies which can be an advantage.
The following is a list of independent agencies in Charlotte that can give you rate quotes.
- All Points Insurance Agencies
5618 Albemarle Rd # 200 – Charlotte, NC 28212 – (980) 221-9468 – View Map - Lawing – Elvington Insurance Agency
6132 Brookshire Blvd b – Charlotte, NC 28216 – (704) 391-8483 – View Map - Charlotte Insurance
5113 Piper Station Dr #207 – Charlotte, NC 28277 – (704) 536-0995 – View Map
Upon getting satisfactory answers to all your questions and an affordable coverage quote, you may have found an insurance agency that is reputable and can insure your vehicles. Keep in mind you are able to terminate coverage whenever you wish so never assume that you are obligated to a specific company with no way to switch.
Persistence is the key to cheap rates
Cheap Buick Lucerne insurance in Charlotte can be found on the web as well as from independent agents in Charlotte, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not have the ability to get a quote online and many times these small, regional companies only sell through local independent agents.
When getting Charlotte car insurance quotes online, make sure you don’t skimp on coverage in order to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.
Drivers leave their current company for a variety of reasons including policy non-renewal, denial of a claim, unfair underwriting practices and even being labeled a high risk driver. Regardless of your reason, choosing a new insurance company can be easier than you think.
How to find lower priced Buick Lucerne insurance in Charlotte
The recommended way to get affordable auto insurance rates in Charlotte is to make a habit of regularly comparing prices from insurers in North Carolina. Rate comparisons can be done by following these guidelines.
- Step 1: Take a little time to learn about how auto insurance works and the changes you can make to prevent expensive coverage. Many policy risk factors that result in higher prices such as at-fault accidents and a not-so-good credit history can be eliminated by making minor driving habit or lifestyle changes.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can quote prices from multiple companies.
- Step 3: Compare the new quotes to your existing policy to see if you can save by switching companies. If you find better rates and change companies, make sure coverage does not lapse between policies.
The most important part of shopping around is to use identical coverages on every quote and and to get prices from as many different insurance providers as possible. This provides an accurate price comparison and the most accurate and complete price analysis.
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