Affordable Insurance for a Buick Lucerne in New Orleans

Amazingly, a recent NerdWallet.com study showed that most auto insurance buyers have remained with the same auto insurance company for more than four years, and 38% of customers have never compared auto insurance rates at all. Many drivers in Louisiana could pocket as much as $900 a year just by shopping around, but they don’t know the large savings they would see if they replace their high priced policy.

The best way to find affordable quotes for Buick Lucerne insurance is to start comparing prices yearly from insurance carriers that sell auto insurance in New Orleans.

First, spend a few minutes and learn about how companies set rates and the factors you can control to keep rates down. Many risk factors that result in higher prices such as accidents, traffic tickets, and a substandard credit history can be improved by paying attention to minor details. Keep reading for more ideas to get lower rates and find additional discounts.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive and State Farm, while independent agents can provide prices for a wide range of insurance providers.

Third, compare the new rates to your existing policy to see if a cheaper price is available in New Orleans. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

An important note is to try to compare the same liability limits and deductibles on every quote request and and to get prices from as many companies as possible. Doing this guarantees the most accurate price comparison and the most accurate and complete price analysis.

When comparing car insurance rates, know that obtaining a wide range of quotes provides better odds of finding the best price.

The companies in the list below are our best choices to provide price quotes in New Orleans, LA. To get the cheapest car insurance in New Orleans, LA, we suggest you visit several of them to find the most affordable car insurance rates.

Buick Lucerne insurance discounts in New Orleans

Insuring your fleet can be pricey, but you might be missing out on some discounts that you may not even be aware of. Some of these discounts will be visible at the time of purchase, but once in a while a discount must be asked for before being credited.

• Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
• One Accident Forgiven – This isn’t a discount exactly, but companies like GEICO, State Farm, and Progressive permit an accident before they charge you more for coverage if your claims history is clear prior to being involved in the accident.
• Telematics Data Discounts – New Orleans drivers who agree to allow companies to scrutinize vehicle usage through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease if they show good driving skills.
• Safety Restraint Discount – Buckling up and requiring all passengers to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
• Low Mileage Discounts – Driving less may allow you to get better rates on cars that stay parked.

Policy discounts save money, but some credits don’t apply to the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will cut your overall bill.

The information below visualizes the comparison of Buick Lucerne insurance premiums with and without discounts applied to the rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Louisiana state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, homeowner, multi-car, and claim-free discounts applied.

If you would like to view auto insurance companies who offer discounts in Louisiana, click here.

Buick Lucerne insurance rate analysis

The data table displayed next showcases different insurance premium costs for Buick Lucerne models. Being more informed about how premiums are formulated is important for drivers to make decisions when shopping around.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific zip code location which can revise insurance rates considerably.

Rate comparison for different deductibles

When comparing insurance rates, the most common question is what deductibles to buy. The rates below may help to conceptualize the costs and benefits between high and low coverage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in vehicle garaging location which can raise or lower coverage rates noticeably.

Based on the above data, using a $100 deductible costs an average of $38 more each month or $456 annually than requesting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 11 months between claims, you would probably save some money by going with a higher deductible.

The chart below illustrates how choosing a deductible and can affect Buick Lucerne insurance costs for each age group. The data assumes a single female driver, full physical damage coverage, and no discounts are applied to the premium.

Men versus women drivers and insurance cost

The example below compares Buick Lucerne premium costs for male and female drivers. The premiums assume no accidents, no driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied.

Ratings for Louisiana car insurance companies

Insuring your vehicle with the top car insurance company is hard considering how many different companies sell coverage in Louisiana. The company ratings shown below could help you analyze which auto insurers you want to consider when looking for cheaper rates.

Top 10 New Orleans Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top 10 New Orleans Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

How Your Lucerne Insurance Rates are Determined

Multiple criteria are used when quoting car insurance. A few of the factors are predictable such as your driving history, although others are not quite as obvious like your vehicle usage or how safe your car is.

The following are some of the things used by your company to calculate your rate level.

• Save money by staying claim free – Companies in Louisiana provide lower rates to drivers that do not abuse their auto insurance. If you are a frequent claim filer, you can expect increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of the large, substantial claims.
• Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings are cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and fewer serious injuries means lower claim amounts and more competitive rates for policyholders.

• More performance means more cost – The make and model of the car you need insurance for makes a huge difference in your rates. Economy passenger cars normally have pretty low rates, but the final cost of insurance is determined by many other factors.

  The data below uses these assumptions: single male driver age 50, full coverage with $250 deductibles, and no discounts or violations. It shows Buick Lucerne policy rates compared to other models that have a range of performances.

• Stress out and pay more – Did you know your career choice can influence rates? Occupations such as judges, architects, and financial analysts tend to have higher premium rates due to high stress levels and long work days. On the other hand, careers such as farmers, engineers and performers have lower than average premiums.
• Raising coverage deductibles lowers costs – Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your Buick. Some examples of covered claims are a windshield shattered by a rock, damage from fire, and windstorm damage. Physical damage deductibles are the amount of money you are required to pay before a claim is paid by your company. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be.