Cheapest Quotes for Buick Lucerne Insurance in Virginia Beach

Want to learn how to buy cheaper insurance rates in Virginia Beach, VA? Virginia Beach shoppers have many options when shopping for the best price on Buick Lucerne insurance. You can either waste hours struggling with agents to compare prices or utilize the internet to compare rates.

There are both good and bad ways to shop for insurance and we’ll show you the best way to price shop coverage on a Buick and obtain the cheapest rates either online or from Virginia Beach insurance agents.

The companies in the list below have been selected to offer free rate quotes in Virginia Beach, VA. If you want to find cheap auto insurance in VA, it’s a good idea that you compare several of them to get the best price comparison.

Earn discounts on Virginia Beach insurance

Car insurance companies don’t always list every discount they offer in a way that’s easy to find, so below is a list a few of the more well known as well as some of the hidden insurance savings.

• Low Mileage Discounts – Low annual miles could qualify for lower prices on the low mileage vehicles.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts could cut 10% or more off the PIP or medical payment premium.
• Driver Safety – Successfully completing a class that teaches defensive driving techniques could earn you a small percentage discount and also improve your driving technique.
• Accident Forgiveness – This one isn’t a discount, but certain companies may permit one accident before raising your premiums if you are claim-free for a set time period.
• Home Ownership Discount – Owning a house in Virginia Beach can save you money due to the fact that maintaining a home requires personal responsibility.
• Savings for New Vehicles – Buying a new car instead of a used Lucerne can get you a discount because new vehicles have to meet stringent safety requirements.
• Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
• ABS Braking Discount – Cars and trucks with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.

It’s important to understand that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you’re out of luck.

The example below illustrates the difference between Buick Lucerne auto insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no violations or claims, Virginia 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, safe-driver, multi-policy, claim-free, and marriage discounts applied.

A few popular companies and their possible discounts are included below.

• GEICO has savings for federal employee, good student, air bags, anti-lock brakes, and membership and employees.
• USAA has discounts for military installation, family discount, annual mileage, vehicle storage, loyalty savings, multi-policy, and safe driver.
• Progressive may have discounts that include online quote discount, continuous coverage, online signing, homeowner, good student, and multi-vehicle.
• American Family offers discounts for good driver, accident-free, early bird, Steer into Savings, and defensive driver.
• Esurance may include discounts for multi-car, paid-in-full, good driver, anti-lock brakes, Switch & Save, safety device, and online shopper.
• Farmers Insurance may offer discounts for mature driver, distant student, business and professional, bundle discounts, and homeowner.
• State Farm offers discounts including good driver, multiple policy, Drive Safe & Save, safe vehicle, driver’s education, accident-free, and multiple autos.

If you need low cost Virginia Beach auto insurance quotes, ask every insurance company what discounts are available to you. Discounts might not apply in Virginia Beach. To view providers that offer the discounts shown above in Virginia, click here to view.

Buick Lucerne insurance coverage information

The information displayed below showcases a range of insurance prices for Buick Lucerne models. Understanding how rate quotes are formulated can help drivers make decisions when shopping your coverage around.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in specific location which can decrease or increase prices noticeably.

Physical damage deductibles

A question often asked by Virginia Beach drivers is how high should the physical damage coverage deductibles be. The rates below show the differences in price when you choose different physical damage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Prices do not factor in zip code location which can alter coverage rates significantly.

Based on the above data, using a $100 deductible costs an average of $31 more each month or $372 for a full year averaged for all Lucerne models than selecting the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 29 months between claim filings, you would come out ahead by going with a higher deductible.

The illustration below shows how choosing a deductible and can raise or lower Buick Lucerne insurance costs for each age group. The rates are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Safe drivers Virginia Beach pay cheaper rates

The example below shows how traffic citations and at-fault fender-benders can affect Buick Lucerne insurance prices for different age categories. The data assumes a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Age, gender, and Buick Lucerne insurance

The illustration below illustrates the difference between Buick Lucerne insurance costs for male and female drivers. Data assumes no claims or violations, comp and collision included, $500 deductibles, drivers are single, and no discounts are applied to the premium.

Should you buy full coverage?

The diagram below visualizes the comparison of Buick Lucerne car insurance costs when comparing full coverage to liability only. The data is based on no claims or driving violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule of when to exclude comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s assume your Buick Lucerne book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $8,000 after the policy deductible has been paid. If it’s costing you more than $800 a year for full coverage, then you might want to consider buying only liability coverage.

There are some scenarios where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Virginia Beach car insurance companies ranked

Buying coverage from a good quality car insurance provider is difficult considering how many companies there are to choose from in Virginia. The company information in the lists below could help you pick which insurers you want to consider purchasing from.