Are you regretting buying high-priced Buick Lucerne insurance in Louisville? Trust us, there are a lot of people in Louisville just like you who feel imprisoned by their auto insurance policy.
Shockingly, most consumers in Kentucky have stayed with the same insurance company for at least the last four years, and nearly the majority have never compared rate quotes at all. The average driver in America can cut their rates by about $860 a year, but most undervalue how much money they would save if they switched to a cheaper policy. Due to the abundance of options when it comes to auto insurance, it can be difficult for people to locate the best auto insurance provider.
It’s smart to compare prices on a regular basis because prices change quite often. Even if you think you had the best price on Buick Lucerne insurance in Louisville two years ago there may be better deals available now. There is a lot of bad advice regarding Lucerne insurance online but I’m going to show you some of the best techniques to lower your auto insurance bill.
Our objective is to familiarize you with how car insurance companies work and how to save the most money. If you currently have a car insurance policy, you should be able to find better prices using the ideas presented in this article. You just need to learn the fastest way to find the lowest price online from multiple companies.
The companies in the list below offer free quotes in Louisville, KY. To locate the best cheap car insurance in Louisville, KY, we recommend you get prices from several of them to get the most competitive price.
Buick Lucerne insurance analysis
The rate table displayed below highlights different insurance prices for Buick Lucerne models. Learning more about how insurance prices are formulated can aid in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lucerne CX | $272 | $616 | $368 | $22 | $110 | $1,388 | $116 |
| Lucerne CXL | $272 | $616 | $368 | $22 | $110 | $1,388 | $116 |
| Lucerne CXL Special Edition | $272 | $710 | $368 | $22 | $110 | $1,482 | $124 |
| Lucerne Super | $304 | $710 | $368 | $22 | $110 | $1,514 | $126 |
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in vehicle garaging location which can impact coverage prices significantly.
An analysis of deductible level
When comparing auto insurance rates, the most common question is how high should your deductibles be. The tables below show the rate fluctuation between low and high deductibles. The first data set uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lucerne CX | $284 | $500 | $326 | $20 | $98 | $1,253 | $104 |
| Lucerne CXL | $284 | $500 | $326 | $20 | $98 | $1,253 | $104 |
| Lucerne CXL Special Edition | $284 | $576 | $326 | $20 | $98 | $1,329 | $111 |
| Lucerne Super | $318 | $576 | $326 | $20 | $98 | $1,363 | $114 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lucerne CX | $232 | $404 | $326 | $20 | $98 | $1,080 | $90 |
| Lucerne CXL | $232 | $404 | $326 | $20 | $98 | $1,080 | $90 |
| Lucerne CXL Special Edition | $232 | $466 | $326 | $20 | $98 | $1,142 | $95 |
| Lucerne Super | $258 | $466 | $326 | $20 | $98 | $1,168 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in vehicle garaging location which can impact auto insurance rates substantially.
Based on the figures above, using a $250 deductible could cost the average driver approximately $15 more each month or $180 for a full year averaged for all Lucerne models than quoting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 17 months between claim filings, you would save more money if you choose a higher deductible.
Responsible drivers pay cheaper auto insurance rates
The illustration below demonstrates how traffic citations and accident claims increase Buick Lucerne annual premium costs for different insured age categories. Data assumes a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
Rate comparison of male drivers versus female drivers
The diagram below shows the difference between Buick Lucerne insurance prices for male and female drivers. The premiums assume a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.
When should I discuss my situation with an agent?
When quoting and comparing adequate coverage for your personal vehicles, there really isn’t a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that
Here are some questions about coverages that might point out whether you might need professional guidance.
- Which is better, split liability limits or combined limits?
- What is an adequate liability insurance limit?
- Does liability extend to a camper or trailer?
- Is there coverage for injuries to my pets?
- Where can I get insurance after a DUI in Kentucky?
- When should my teen driver be added to my policy?
- Should I bundle my homeowners policy with my auto?
- Does car insurance cover theft of personal property?
- When can I cancel my policy?
- Do I need an umbrella policy?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.
Can’t I compare prices from local Louisville insurance agencies?
Certain consumers would prefer to talk to an insurance agent and that is recommended in a lot of cases Licensed agents can help determine the best coverages and will help you if you have claims. The best thing about comparing rates online is you can get lower rates and still have an agent to talk to. And supporting neighborhood agents is still important in Louisville.
To help locate an agent, after submitting this quick form, your coverage information is sent to agents in your area that can give you free Louisville car insurance quotes to get your business. You won’t even need to contact any agents because quoted prices will be sent immediately to your email address. If you wish to compare prices from a specific company, you can always search and find their rate quote page and fill out their quote form.
When researching a reliable agent, you need to know there are two types of agencies and how they differ in how they quote coverages. Auto insurance policy providers are either independent or exclusive depending on the company they work for. Both insure your vehicles, but it’s important to know how they differ since it can affect which agent you choose.
Independent Auto Insurance Agents
Independent agents do not work for one specific company and that is an advantage because they can write policies with many different companies and possibly get better coverage at lower prices. If your premiums go up, they can switch companies in-house and you don’t have to switch agencies.
When comparing auto insurance rates, it’s a good idea to get insurance quotes from a few independent agents to have the most options to choose from.
Featured below is a small list of independent agencies in Louisville that can possibly get you comparison quotes.
Logan, Stanley – Logan Lavelle Hunt Insurance
11420 Bluegrass Pkwy – Louisville, KY 40299 – (502) 499-6880 – View Map
Linda B Morton Insurance Agency
4600 Outer Loop – Louisville, KY 40219 – (502) 966-5637 – View Map
Epic Insurance Solutions
9700 Ormsby Station Rd #200 – Louisville, KY 40223 – (502) 805-3742 – View Map
Exclusive Auto Insurance Agencies
Agents that choose to be exclusive generally can only insure with one company such as Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to give you multiple price quotes so you might not find the best rates. These agents are very knowledgeable on what they offer which helps them sell on service rather than price.
The following is a short list of exclusive insurance agencies in Louisville willing to provide comparison quotes.
Allstate Insurance: Larry Hatzell
406 Blankenbaker Pkwy, Ste C2 – Louisville, KY 40243 – (502) 244-1079 – View Map
Tracy Blair Haus State Farm Insurance Agency
11501 Main St – Louisville, KY 40243 – (502) 244-0271 – View Map
Tom Kanaly – State Farm Insurance Agent
6608 Bardstown Rd a – Louisville, KY 40291 – (502) 231-2350 – View Map
Finding the right insurance agent should depend on more than just a cheap price. These questions are important to ask:
- In the event of vehicle damage, can you pick the collision repair facility?
- How much experience to they have in personal lines coverages?
- How are claims handled?
- Will high miles depreciate repair valuations?
- If you have an accident, will your rates go up?
- Who is covered by the car insurance policy?
- Is the agent and/or agency licensed to do business in Kentucky?
After you get acceptable answers as well as offering an affordable quote, it’s possible that you found an insurance agency that will insure your vehicles.