Cheap Quotes for Buick Lucerne Insurance in Atlanta

Are you sick of overpaying and want more affordable Buick Lucerne insurance in Atlanta? High-priced auto insurance in Atlanta can overdraw your funds and force you to make sacrifices. Comparing rates annually is free, only takes a few minutes, and is a good way to make ends meet.

Shockingly, nearly 70% of customers have been with the same company for over three years, and approximately 38% of consumers have never shopped around. American drivers could pocket about $860 a year by just shopping around, but they don’t want to take the time to compare rates online. Big-name insurance companies like GEICO and Progressive promote their brand names with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

If you have a current car insurance policy or are looking for a new policy, you can use these techniques to get lower rates and still have adequate protection. Choosing the most cost-effective car insurance policy in Atlanta is really quite easy. Smart buyers only have to learn the most efficient way to find the lowest price over the internet.

Companies offering low-cost Buick Lucerne rate quotes in Atlanta, GA

The companies in the list below can provide comparison quotes in Georgia. If multiple companies are listed, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in garaging location in Atlanta which can revise coverage rates substantially.

Analysis of deductible levels

One frequently asked question is where to set your physical damage deductibles. The premium rates below may help you to understand the costs and benefits between high and low physical damage coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific zip code location which can raise or lower rates significantly.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $18 more each month or $216 every year than choosing the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 14 months between claims, you would probably be better off by selecting a higher deductible.

Full coverage rates vs. liability-only

The example below shows the comparison of Buick Lucerne auto insurance rates when comparing full coverage to state minimum liability only. The costs are based on no claims or driving citations, $100 deductibles, single male driver, and no additional discounts are factored in.

When to drop comp and collision

There is no definitive rule of when to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Buick Lucerne book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after paying your policy deductible. If premiums are more than $200 a year for your policy with full coverage, then it could be time to drop full coverage.

There are a few situations where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage.

Higher deductibles save money

The information below demonstrates how deductibles and can influence Buick Lucerne premium costs for different insured age categories. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Companies offer money-saving discounts on Buick Lucerne insurance in Atlanta

Some providers don’t list the entire discount list very clearly, so here is a list a few of the more well known as well as some of the hidden discounts that may be available.

• Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% but check with your company.
• Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
• Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
• Discount for Home Ownership – Owning a home in Atlanta can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
• New Car Discount – Buying a new car model is cheaper because new vehicles keep occupants safer.

It’s important to understand that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, you aren’t that lucky.

Companies who might offer these money-saving discounts possibly include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• GEICO
• SAFECO
• Liberty Mutual

Before buying, ask each insurance company which discounts they offer. Some of the earlier mentioned discounts may not be available in Atlanta. For a list of insurance companies who offer online Buick Lucerne insurance quotes in Georgia, click here to view.

Insurance agencies can give valuable advice

Many drivers still prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Professional agents are highly skilled in risk management and help you file claims. A good thing about comparing rate quotes online is you may find better rates and still have an agent to talk to. And buying from local agencies is still important in Atlanta.

To help locate an agent, after submitting this quick form, your insurance data is submitted to insurance agents in Atlanta who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to find an agent since price quotes are sent immediately to your email address. If you want to compare rates from a specific car insurance provider, just visit that company’s website and complete a quote there.

Pick the best auto insurance agent in Atlanta for you

If you are wanting to purchase car insurance from a local Atlanta insurance agent, you need to know there are two different agency structures and how they can quote your rates. Insurance agencies in Atlanta are either independent (non-exclusive) or exclusive. Both do a good job, but it’s important to know why they differ because it can influence the kind of agent you use.

Independent Car Insurance Agencies or Brokers

Independent insurance agents are not required to write business for one company and that is an advantage because they can write policies with lots of companies and get the cheapest rates. To transfer your coverage to a different company, the business is moved internally and the insured can keep the same agent.

When comparing car insurance prices, you need to get rate quotes from independent agents in order to compare the most rates.

Below is a list of independent agents in Atlanta that can possibly get you rate quotes.

View more Atlanta agents

Exclusive Insurance Agencies

Agents that elect to be exclusive have only one company to place business with like Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are highly trained on their products and sales techniques and that can be a competitive advantage.

Below is a short list of exclusive insurance agents in Atlanta willing to provide price quotes.

View more Atlanta agents

Selecting an insurance agency is decision based upon more than just the quoted price. Any good agent in Atlanta should know the answers to these questions.

• Which insurance companies are they affiliated with?
• Do they see any coverage gaps in your plan?
• Do they specialize in personal lines coverage in Atlanta?
• Are they involved in claim handling?
• Are they paid to recommend certain coverages?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• When do they do a full risk review?
• Can glass claims be handled at your home?

How much can you save?

We just covered a lot of tips how to lower your Buick Lucerne insurance premium rates in Atlanta. The key concept to understand is the more companies you get prices for, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a smaller regional carrier. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

A few companies may not have online price quotes and many times these smaller providers only sell through local independent agencies. Cheaper Buick Lucerne insurance in Atlanta is attainable from both online companies and from local agencies, so compare prices from both to have the best chance of lowering rates.

More information is located below:

• Airbag FAQ (iihs.org)
• Who Has the Cheapest Atlanta Car Insurance Rates for Unemployed Drivers? (FAQ)
• Who Has Cheap Atlanta Auto Insurance Quotes for 18 Year Olds? (FAQ)
• Auto Theft Statistics (Insurance Information Institute)
• Get the Right Protection (InsureUonline.org)
• Side Impact Crash Tests (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Institute)