Cheap Buick Lucerne Insurance in Jersey City

Insurance for Buick LucerneNo one in their right mind rejoices having to buy car insurance, particularly when they are paying too much.

Astonishing but true according to a recent study, over 70% of consumers have purchased from the same company for at least the last four years, and 38% of customers have never taken the time to shop around. Consumers in Jersey City can save hundreds of dollars each year just by shopping around, but they don’t believe the large savings they would see if they swap their current policy for a cheaper one.

How to find cheaper rates for Buick Lucerne insurance in Jersey City

Really, the only way to find better pricing on auto insurance rates in Jersey City is to regularly compare prices from companies who provide auto insurance in New Jersey.

  1. Get a basic knowledge of the different coverages in a policy and the steps you can take to keep rates low. Many policy risk factors that drive up the price such as speeding tickets, careless driving and a not-so-good credit history can be amended by making minor changes in your lifestyle. Later in this article we will cover information to help reduce premium rates and find overlooked discounts.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like Progressive or Allstate, while independent agents can provide price quotes for a wide range of companies. View insurance agents
  3. Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you find a lower rate quote, ensure coverage does not lapse between policies.
  4. Notify your current company of your decision to cancel your current car insurance policy. Submit a completed policy application and payment for your new policy. As soon as you receive it, store the proof of insurance paperwork in an accessible location in your vehicle.

A tip to remember is that you’ll want to make sure you compare similar coverage information on every quote request and and to get rate quotes from as many car insurance companies as possible. This helps ensure the most accurate price comparison and maximum price selection.

Vehicle owners have multiple insurance companies to purchase coverage from, and although it’s nice to be able to choose, more options can take longer to locate the cheapest rates for Buick Lucerne insurance in Jersey City.

It’s a good habit to do rate comparisons at least once a year because insurance prices are rarely the same from one policy term to another. Even if you got the best rate on Buick Lucerne insurance in Jersey City six months ago other companies may now be cheaper. There are lots of tips to save on Lucerne insurance on the internet, but in just a couple of minutes you can learn some tested techniques to lower your car insurance premiums.

This information will help you learn how insurance works and some money-saving tips. If you are paying for car insurance now, you will definitely be able to save money using the techniques presented in this article. But New Jersey consumers can benefit by having an understanding of how the larger insurance companies market on the web and use this information to your advantage.

Reduce your insurance rates with discounts

Insurance is not cheap nor is it fun to buy but you may be missing some discounts that many people don’t even know exist. Many discounts should be triggered when you get a quote, but a few need to be requested specifically before they will apply. If you do not double check each discount you qualify for, you are paying more than you should be.Save money with discounts

A quick disclaimer, some of the credits will not apply to the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, that’s just not realistic.

The illustration below shows the difference between Buick Lucerne car insurance rates with and without discounts applied. The data assumes a male driver, no accidents or driving violations, New Jersey 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 homeowner, safe-driver, claim-free, multi-car, multi-policy, and marriage discounts applied.

If you would like to choose from a list of companies that offer multiple discounts in Jersey City, click here to view.

Keep in mind that more quotes increases your odds of finding a lower rate than you’re paying now.

The companies shown below can provide comparison quotes in New Jersey. If you wish to find the cheapest car insurance in Jersey City, we suggest you compare several of them in order to get a fair rate comparison.

Buick Lucerne insurance analysis

The rate information shown next highlights a range of coverage prices for Buick Lucerne models. Having knowledge of how insurance quotes are established is important to be able to make decisions on the best policy to buy.

Buick Lucerne Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $296 $464 $630 $38 $188 $1,616 $135
Lucerne CXL $296 $464 $630 $38 $188 $1,616 $135
Lucerne CXL Special Edition $296 $534 $630 $38 $188 $1,686 $141
Lucerne Super $328 $534 $630 $38 $188 $1,718 $143
Get Your Own Custom Quote Go

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can change coverage rates noticeably.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying insurance is which deductible level should you buy. The comparison tables below approximate the price difference of buying low and high policy deductibles. The first set of rates uses a $250 deductible for physical damage and the second price chart uses a $1,000 deductible.

Buick Lucerne insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $420 $738 $480 $28 $144 $1,835 $153
Lucerne CXL $420 $738 $480 $28 $144 $1,835 $153
Lucerne CXL Special Edition $420 $848 $480 $28 $144 $1,945 $162
Lucerne Super $466 $848 $480 $28 $144 $1,991 $166
Get Your Own Custom Quote Go

Buick Lucerne insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $258 $464 $480 $28 $144 $1,374 $115
Lucerne CXL $258 $464 $480 $28 $144 $1,374 $115
Lucerne CXL Special Edition $258 $534 $480 $28 $144 $1,444 $120
Lucerne Super $288 $534 $480 $28 $144 $1,474 $123
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Information does not factor in specific zip code location which can modify coverage rates significantly.

Based on the above data, using a $250 deductible costs an average of $41 more each month or $492 each year across all Buick Lucerne models than quoting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 18 months between claim filings, you would probably be better off going with the higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $159
Average monthly premium for $1,000 deductibles (subtract): – $118
Monthly savings from raising deductible: $41
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $41
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

Tickets and at-fault accidents raise rates

The information below illustrates how speeding tickets and at-fault collisions impact Buick Lucerne car insurance costs for each age group. The rates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

Male drivers compared to female drivers in Jersey City

The chart below illustrates the difference between Buick Lucerne car insurance rates for male and female drivers. The data assumes no claims or violations, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied.

Full coverage rates vs. liability-only

The information below illustrates the difference between Buick Lucerne insurance rates with and without physical damage coverage. The price estimates are based on no accidents or driving violations, $100 deductibles, marital status is single, and no policy discounts are applied.

When to stop buying comprehensive and collision coverage

There is no definitive guideline of when to exclude physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Buick Lucerne claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after you pay the deductible. If it’s costing you more than $800 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some circumstances where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Insurance agents can help

Many people prefer to get professional advice from a licensed agent and that is a personal choice. One of the best bonuses of getting online price quotes is that drivers can save money and get cheaper premium rates and still buy from a local agent. Supporting neighborhood insurance agencies is important especially in Jersey City.

Jersey City insurance agentsTo help locate an agent, after submitting this simple form, your insurance data is transmitted to insurance agents in Jersey City that can give you free Jersey City car insurance quotes for your car insurance coverage. There is no need to search for an agent because prices are sent to you instantly. You can most likely find cheaper rates and an insurance agent to talk to. If you need to compare rates from a specific company, just navigate to their website and fill out their quote form.

Two different types of car insurance agents

If you prefer to buy car insurance from a good insurance agency, there are a couple of different types of agents that you can select. Agents can either be exclusive or independent (non-exclusive).

Independent Car Insurance Agencies or Brokers

These type of agents are not required to write business for one company so they have the ability to put coverage with a variety of different insurance companies and get you the best rates possible. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.

When comparing car insurance rates, you will definitely want to include independent agents so that you can do a thorough price comparison.

Below are independent insurance agents in Jersey City who can help you get comparison quotes.

Blake Agency
370 Pacific AveJersey City, NJ 07304(201) 209-0065View Map

07305, 701 NJ-440Jersey City, NJ 07304(201) 515-3499View Map

Exodus Insurance Services
758 Ocean AveJersey City, NJ 07304(201) 433-1015View Map

More insurance agents

Exclusive Insurance Agencies

Exclusive agencies write business for a single company such as Farmers Insurance, State Farm, Allstate, and AAA. They are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable on sales techniques which aids in selling service over price.

Below are Jersey City exclusive agencies that can give you price quote information.

2770 John F Kennedy Blvd, FL-1Jersey City, NJ 07306(201) 653-1770View Map

86 NJ-35Neptune City, NJ 07753(732) 776-9999View Map

1025 Summit AveJersey City, NJ 07307(201) 604-3874View Map

More insurance agents

Selecting a insurance agent requires more thought than just a cheap price. Any agent in Jersey City should be willing to answer these questions.

Ratings for Jersey City auto insurance companies

Insuring your vehicle with a good quality car insurance provider can be difficult considering how many companies sell insurance in Jersey City. The company rank data in the lists below may help you analyze which companies you want to consider purchasing from.

Top 10 Jersey City Car Insurance Companies Ranked by Value

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

Top 10 Jersey City Car Insurance Companies Overall

  1. Mercury Insurance
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. Farmers Insurance
  7. Safeco Insurance
  8. USAA
  9. GEICO
  10. 21st Century

Quote more and you will save more

We’ve covered many tips how you can find cheaper Buick Lucerne insurance in Jersey City. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a smaller regional carrier. These smaller insurers can often provide lower car insurance rates in certain areas compared to the large companies like Allstate or State Farm.

More affordable insurance in Jersey City is possible on the web in addition to local insurance agencies, and you should be comparing both to have the best rate selection. A few companies may not have the ability to get a quote online and many times these smaller providers only sell coverage through independent agents.

How to find low-cost rates for Buick Lucerne insurance in Jersey City

If saving money is your primary concern, then the best way to get the cheapest auto insurance rates in Jersey City is to start comparing rates regularly from insurers in New Jersey.

  1. Gain an understanding of policy coverages and the measures you can take to keep rates low. Many rating factors that cause rate increases such as accidents, traffic tickets, and poor credit history can be eliminated by making minor changes in your lifestyle.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple insurance companies.
  3. Compare the quotes to your current policy premium to see if switching to a new carrier will save money. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

A key point to remember is to make sure you enter similar deductibles and liability limits on every price quote and and to get price estimates from as many different insurance providers as possible. This provides an apples-to-apples comparison and a complete price analysis.

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