Compare Buick Lucerne Insurance Rates in Baltimore

Everyone knows that insurance companies want to keep you from shopping around. People who shop for lower prices are likely to buy a new policy because they stand a good chance of finding a lower rate. A survey found that people who regularly compared rates saved on average $865 a year as compared to drivers who never compared prices.

If finding the cheapest rates on Buick Lucerne insurance is your goal, knowing how to find companies and compare insurance coverage can make it easier to shop your coverage around.

To save the most money, the best way to get budget Buick Lucerne insurance in Baltimore is to start comparing prices yearly from insurers that insure vehicles in Maryland. Drivers can shop around by completing these steps.

• First, take a few minutes and learn about auto insurance and the changes you can make to drop your rates. Many things that are responsible for high rates such as careless driving and an unacceptable credit history can be remedied by making minor changes in your lifestyle.
• Second, request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of companies.
• Third, compare the new rate quotes to your existing rates to see if cheaper Lucerne coverage is available. If you can save money, make sure there is no lapse in coverage.
• Fourth, give proper notification to your current agent or company to cancel your current policy and submit the completed application along with a down payment for the new policy. Once the paperwork is finalized, place the new proof of insurance certificate in your vehicle’s glove compartment or console.

A tip to remember is that you use the same deductibles and limits on each quote request and and to analyze as many car insurance companies as possible. Doing this enables a fair price comparison and a good representation of prices.

If you have insurance now or are just looking to switch companies, use these techniques to shop for the lowest rates without reducing protection. Getting quotes for cheaper insurance coverage in Baltimore is not as hard as you think. Consumers only need to know the most time-saving way to compare different rates from many different companies online.

Insurance policy discounts you can’t miss

Insurance can be pricey, but you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you complete an application, but once in a while a discount must be specifically requested prior to getting the savings.

• Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school or through a local driver safety program.
• Save over 55 – If you qualify as a senior citizen, you can get reduced rates.
• Home Ownership Discount – Owning your own home or condo can earn you a little savings because owning a home shows financial diligence.
• Discounts for Federal Employees – Federal government employees can earn a discount up to 10% depending on your insurance provider.
• Waiver for an Accident – Not really a discount, but companies like State Farm and Progressive will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free for a certain period of time.
• Discounts for Good Drivers – Insureds who avoid accidents may receive a discount up to 45% than drivers with accident claims.
• Defensive Driver Discounts – Passing a course teaching driver safety skills may get you a small discount if your company offers it.
• Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and will qualify for a discount on a Baltimore auto insurance quote.
• Discount for New Cars – Insuring a new Lucerne can save up to 30% because new vehicles are generally safer.
• Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.

A quick disclaimer, many deductions do not apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. Just because you may think all the discounts add up to a free policy, it’s just not the way it works.

The diagram below illustrates the comparison of Buick Lucerne auto insurance costs with and without policy discounts. The rate quotes are based on a male driver, no tickets, no at-fault accidents, Maryland state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, multi-policy, and marriage discounts applied.

A few companies that have these money-saving discounts include:

• American Family
• State Farm
• 21st Century
• Travelers
• GEICO

Before buying, ask each insurance company how many discounts you can get. Discounts might not be offered in Baltimore. To locate companies who offer online Buick Lucerne insurance quotes in Maryland, click here to view.

The fastest way that we advise to compare car insurance company rates for Buick Lucerne insurance in Baltimore takes advantage of the fact car insurance companies allow for online access to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details including whether you are single or married, daily mileage, if a SR-22 is required, and an estimate of your credit level. That information is automatically sent to many highly-rated insurers and they respond with quotes within a short period of time.

To start a quote now, click here and find out if you can get cheaper insurance in Baltimore.

The providers in the list below are our best choices to provide price quotes in Baltimore, MD. If you wish to find cheap car insurance in Baltimore, we recommend you visit two to three different companies in order to find the lowest rates.

Buick Lucerne insurance analysis

The data table shown below outlines detailed analysis of insurance coverage prices for Buick Lucerne models. Having a better idea how auto insurance premiums are established helps drivers make smart choices when buying a policy.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in specific location which can affect prices significantly.

Can higher deductibles save money?

When buying car insurance, a common question is at what level do you set your deductibles. The premium rates below summarize the rate fluctuation when you buy lower versus higher physical damage coverage deductibles. The first table uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific location which can impact price quotes substantially.

Based on this data, using a $250 deductible will cost you roughly $35 more each month or $420 annually averaged for all Lucerne models than requesting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 21 months between claim filings, you would come out ahead if you opt for a higher deductible. The table below illustrates an example of how you can decide this on your own policy.

One thing to be aware of is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you have a claim. You need to have some extra savings in order to pay more to get your vehicle repaired.

How accidents and tickets impact rates

The example below highlights how traffic violations and at-fault collisions raise Buick Lucerne insurance rates for each age group. The data is based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Impact of age and gender on car insurance rates

The information below visualizes the comparison of Buick Lucerne insurance premiums for male and female drivers. The price estimates are based on no violations or claims, comp and collision included, $500 deductibles, marital status is single, and no other discounts are factored in.

Do you need full coverage?

The information below illustrates the comparison of Buick Lucerne insurance costs with full coverage compared to only the Maryland minimum liability coverage. The data is based on no violations or accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.

Should you pay for full coverage?

There isn’t a steadfast formula for phasing out comp and collision coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Buick Lucerne replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after paying your policy deductible. If it’s costing in excess of $200 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some conditions where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

When in doubt talk to an agent

Always remember that when buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are unique to you and your car insurance should unique, too.
Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

• Which is better, split liability limits or combined limits?
• Should I carry comprehensive and collision coverage?
• Do I need motorclub coverage?
• Why does it cost so much to insure a teen driver in Baltimore?
• Am I covered if I hit a deer?
• Do I get a pro-rated refund if I cancel my policy early?
• Why am I required to get a high-risk car insurance policy?
• Do I need PIP coverage since I have good health insurance?
• Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Local Baltimore insurance agents

Certain consumers still prefer to sit down with an agent. Most agents are trained risk managers and help file insurance claims. The best thing about getting online price quotes is you can get cheaper prices and still choose a local agent. Putting coverage with local insurance agencies is important especially in Baltimore.

For easy comparison, once you complete this quick form, your insurance coverage information is immediately sent to agents in your area who will give competitive quotes for your car insurance coverage. It makes it easy because there is no need to contact any insurance agencies since price quotes are sent to you directly. If you need to compare prices from a particular provider, you can always find their quoting web page to submit a rate quote request.

When researching local Baltimore agents, it helps to know the two types of insurance agents from which to choose. Car insurance policy providers can be described as either independent agents or exclusive agents. Either type can sell car insurance policies, but it’s important to point out the differences because it can factor into the selection process.

Independent Agents

Independent agents do not sell for just one brand and that gives them the ability to insure through many different car insurance companies and get the cheapest rates. If premiums increase, the agent simply finds a different carrier and you don’t have to switch agencies. If you need lower rates, we recommend you compare prices from several independent insurance agents in order to compare the most rates. Most have the option of insuring with small mutual carriers which may have better rates.

Shown below is a short list of independent insurance agencies in Baltimore that may be able to give price quotes.

• Goad Insurance Agency
  3229 Erdman Ave – Baltimore, MD 21213 – (410) 558-0396 – View Map
• Nationwide Insurance: Luray and Associates Inc
  1726 Reisterstown Rd #220 – Baltimore, MD 21208 – (410) 602-2636 – View Map
• Morgan Smith Insurance Agency
  847 W 36th St – Baltimore, MD 21211 – (410) 889-9290 – View Map

View more Baltimore agents

Exclusive Insurance Agents

These type of agents work for only one company such as Allstate and State Farm. Exclusive agents cannot provide prices from multiple companies so you need to shop around if the rates are high. Exclusive insurance agents are usually well trained on the products they sell which helps overcome the inability to quote other rates. Some consumers prefer to purchase coverage from exclusives mainly due to loyalty to the company rather than having low rates.

Listed below is a short list of exclusive agencies in Baltimore that are able to give price quotes.

• GEICO Insurance Agent
  7915 Belair Rd – Baltimore, MD 21236 – (410) 882-8200 – View Map
• Anthony Walker Sr. – State Farm Insurance Agent
  8641 Loch Raven Blvd #2d – Baltimore, MD 21239 – (410) 663-8888 – View Map
• Natasha Parker – State Farm Insurance Agent
  617 Stemmers Run Rd, Ste AA – Baltimore, MD 21221 – (410) 238-0071 – View Map

View more Baltimore agents

Deciding on an auto insurance agent needs to be determined by more than just a cheap price quote. The following questions are important to ask.

• Are they giving you every discount you deserve?
• Is vehicle mileage a factor when determining depreciation for repairs?
• How often do they review policy coverages?
• Do they offer accident forgiveness?
• Does the agency provide any after hours assistance?
• Did they already check your driving record and credit reports?
• Does the company allow you to choose your own collision repair facility?

Cheaper car insurance is out there

The cheapest Buick Lucerne insurance in Baltimore is attainable online as well as from independent agents in Baltimore, so you should compare both to have the best chance of lowering rates. Some insurance providers do not offer internet price quotes and usually these small, regional companies provide coverage only through independent insurance agents.

You just learned a lot of information how to compare Buick Lucerne insurance prices in Baltimore. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Drivers may even discover the best price on car insurance is with a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Progressive and GEICO.

More detailed car insurance information is located by following these links:

• Teen Driver Statistics (Insurance Information Institute)
• Who Has Affordable Baltimore Auto Insurance for Veterans? (FAQ)
• What Auto Insurance is Cheapest for Teachers in Baltimore? (FAQ)
• Who Has Cheap Baltimore Auto Insurance Quotes for Inexperienced Drivers? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Immigrants in Baltimore? (FAQ)
• Teen Driving Statistics (GEICO)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Reducing Your Risks in a Car Crash Video (iihs.org)