How to Save on El Paso Buick Lucerne Insurance

It's easy to assume that car insurance companies don't want customers comparing rates. Consumers who get comparison quotes once a year will most likely switch auto insurance companies because the odds are good of finding a lower rate. A recent survey revealed that consumers who compared prices once a year saved about $3,450 over four years compared to those who didn't regularly shop around.

If finding the most affordable car insurance is the reason you're here, then having a grasp of how to get free comparison quotes and analyze insurance premiums can make it easier to find better rates.

The easiest way to quote cheaper Buick Lucerne insurance is to compare quotes annually from insurers who provide auto insurance in El Paso. This can be done by following these guidelines.

1. Gain an understanding of what coverages are included in your policy and the modifications you can make to keep rates down. Many factors that cause rate increases like traffic violations and an unfavorable credit rating can be rectified by paying attention to minor details.
2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can give you price quotes for a wide range of companies. View a list of agents
3. Compare the quotes to the price on your current policy and see if you can save money. If you find a better price and switch companies, make sure there is no coverage gap between policies.
4. Notify your company or agent to cancel your current coverage. Submit payment along with a signed and completed policy application for the new policy. Once the application is submitted, put the certificate verifying proof of insurance in an accessible location in your vehicle.

One tip to remember is to make sure you enter similar limits and deductibles on each price quote and and to look at as many different companies as possible. Doing this guarantees a fair price comparison and many rates to choose from.

Locating the best rates in El Paso is quite easy if you know the best way to do it. If you have coverage now, you stand a good chance to be able to find better prices using the concepts covered in this article. Drivers only have to learn the proper way to compare insurance rates from many different companies.

Getting a cheap price on insurance can be surprisingly simple. Drivers just need to take time to compare rates from some recommended companies.

The companies shown below have been selected to offer price comparisons in Texas. If multiple providers are shown, we recommend you compare several of them to get a more complete price comparison.

Three reasons to insure your Lucerne

Despite the fact that insurance is not cheap in El Paso, insurance is required in Texas but it also protects you in many ways.

• Almost all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability coverage in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your vehicle, most lenders will force you to buy full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank may insure your Buick for a lot more money and require you to fork over much more than you were paying before.
• Insurance protects your car and your assets. It will also pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay to defend you if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of buying enough insurance are definitely more than the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer overpays as much as $830 a year so it's very important to do a rate comparison at every policy renewal to save money.

Rates and information analytics

The data table displayed below highlights estimates of rate quotes for Buick Lucerne models. Being more informed about how auto insurance premiums are determined helps drivers make informed decisions when comparing rates.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in specific El Paso garaging location which can lower or raise coverage prices significantly.

Deductible comparison

When shopping for car insurance, a common question is which comprehensive and collision deductibles to buy. The premium rates below summarize the price difference when you buy lower versus higher coverage deductibles. The first rate table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in specific zip code location which can affect premiums substantially.

Based on these figures, using a $100 deductible will cost you roughly $31 more each month or $372 annually across all Buick Lucerne models than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 13 months between claims, you would probably save some money if you choose the higher deductible.

The illustration below highlights how deductible selection and can raise or lower Buick Lucerne insurance costs for different age categories. The data assumes a single female driver, comp and collision included, and no discounts are applied to the premium.

Poor driving habits will raise your car insurance rates

The chart below shows how speeding tickets and at-fault claims raise Buick Lucerne insurance prices for different age groups of insureds. The data assumes a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

Discounts can help save money on Buick Lucerne insurance in El Paso

Car insurance is expensive, but you might find some hidden discounts that many consumers don't even know exist. A few discounts will be applied at quote time, but some must be asked for before you get the savings.

• Driver's Ed - Cut your cost by having your teen driver participate in a local driver's education class if offered at their school.
• First Accident Forgiveness - Not necessarily a discount, but some companies like GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident before raising your premiums if you have no claims prior to the accident.
• Bundled Policy Discount - If you have multiple policies with one insurance company you may save at least 10% off all policies.
• Auto/Life Discount - Some car insurance companies give a break if you buy a life insurance policy as well.
• Claim-Free Discount - Insureds who avoid accidents and claims are rewarded with significantly better rates on El Paso car insurance quote compared to insureds who have frequent claims or accidents.
• Active Military Service - Being deployed in the military could qualify you for better rates.

Just know that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

The illustration below shows the difference between Buick Lucerne yearly insurance costs with and without discounts applied to the policy premium. The data assumes a male driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, safe-driver, and claim-free discounts applied.

A list of companies and their offered discounts are:

• GEICO has discounts for multi-policy, emergency military deployment, defensive driver, membership and employees, anti-theft, air bags, and multi-vehicle.
• Mercury Insurance may include discounts for good student, age of vehicle, type of vehicle, anti-theft, and good driver.
• Farmers Insurance offers premium reductions for pay in full, teen driver, good student, electronic funds transfer, and homeowner.
• Auto-Owners Insurance may have discounts that include student away at school, mature driver, anti-theft, multi-policy, and paid in full.
• Liberty Mutual includes discounts for exclusive group savings, new graduate, hybrid vehicle, teen driver discount, preferred payment discount, and good student.
• SAFECO policyholders can earn discounts including drive less, teen safe driver, safe driver, teen safety rewards, and anti-theft.
• Progressive has savings for online quote discount, multi-vehicle, online signing, good student, multi-policy, and continuous coverage.
• USAA offers discounts for safe driver, driver training, loyalty savings, family discount, and good student.

If you need inexpensive El Paso car insurance quotes, ask each insurance company which discounts you qualify for. Savings may not apply to policyholders in every state. To locate car insurance companies that can offer you the previously mentioned discounts in Texas, follow this link.

Car insurance agents are trained to help

Certain consumers just prefer to go talk to an agent and that is OK! Licensed agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of comparing rates online is that you can find better rates and still buy from a local agent.

For easy comparison, once you complete this quick form, your coverage information is instantly submitted to companies in El Paso that give free quotes to get your business. It's much easier because you don't need to find an agent on your own due to the fact that quote results will go to your email. In the event you want to compare prices for a specific company, you just need to visit that company's website and give them your coverage information.

Finding the right insurer needs to be determined by more than just the premium amount. Here are some questions you might want to ask.

• Which members of your family are coverage by the policy?
• Do they write coverage based solely on cost?
• Do they regularly work with personal auto policies in El Paso?
• Will they take your side in the event of a claim?
• Is the agent properly licensed in Texas?
• What are the financial ratings for the companies they represent?

Shown below is a list of insurers in El Paso that may be able to provide price quote information for Buick Lucerne insurance in El Paso.

• Nationwide Insurance: Damon Scott Crossland Agency
  210 Thunderbird Dr t - El Paso, TX 79912 - (915) 584-5480 - View Map
• Annette Gallardo Sanders - State Farm Insurance Agent
  6351 S Desert Blvd #105 - El Paso, TX 79932 - (915) 877-9020 - View Map
• James Cuilty - State Farm Insurance Agent
  10318 McCombs St - El Paso, TX 79924 - (915) 881-4956 - View Map
• RedRock Insurance Agency
  1029 N Zaragoza Rd A - El Paso, TX 79907 - (915) 858-1400 - View Map

View more agents

Shop around and save

Cheaper insurance in El Paso can be found on the web and also from your neighborhood El Paso agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not offer online price quotes and many times these regional carriers work with independent agencies.

As you go through the steps to switch your coverage, don't be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped full coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find for the lowest price and still be able to protect your assets.

We've covered many ideas to get a better price on Buick Lucerne insurance in El Paso. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable Buick Lucerne insurance quotes. Consumers could even find that the most savings is with a small mutual company.

More detailed insurance information can be found in the articles below:

• Credit Impacts Car Insurance Rates (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Auto Insurance 101 (About.com)
• Choosing an Insurance Company (Insurance Information Institute)