Buick Lucerne Insurance Quotes in Madison

If you want to find the absolute lowest rates, then the best way to find low-cost prices for Buick Lucerne insurance in Madison is to do an annual price comparison from companies who sell insurance in Wisconsin.

1. Spend some time learning about what coverages are included in your policy and the things you can change to prevent rate increases. Many rating factors that result in higher rates such as traffic citations and a less-than-favorable credit rating can be eliminated by being financially responsible and driving safely.
2. Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or State Farm, while agents who are independent can give you price quotes from many different companies.
3. Compare the new rates to your current policy premium to see if cheaper Lucerne coverage is available in Madison. If you find better rates and decide to switch, make sure there is no lapse in coverage.
4. Give notification to your current company to cancel your current policy. Submit payment and a completed application to your new insurance company. As soon as coverage is bound, put the new proof of insurance certificate with your registration paperwork.

One thing to point out is that you’ll want to compare the same level of coverage on each quote and and to get rates from all possible companies. Doing this ensures a fair rate comparison and a complete selection of prices.

It’s an obvious conclusion that car insurance companies don’t want you comparing rates. Consumers who shop around for cheaper price quotes are likely to switch to a new company because there is a great chance of finding a policy with better rates. Remarkably, a study showed that people who regularly shopped around saved an average of $860 a year compared to policyholders who never compared rates.

If saving money on Buick Lucerne insurance is your ultimate objective, then knowing the best ways to find and compare coverages can help make the process easier.

The car insurance companies shown below have been selected to offer price comparisons in Wisconsin. To buy cheaper car insurance in Madison, WI, we suggest you visit several of them in order to find the most competitive rates.

Buick Lucerne insurance rate analysis

The rate table below highlights detailed analysis of insurance policy prices for Buick Lucerne models. Learning more about how car insurance prices are figured can help drivers make decisions on the best policy coverages.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rates do not factor in your specific Madison location which can modify premium rates considerably.

Analysis of deductible levels

One of the most common insurance questions is how high should the physical damage deductibles be. The following tables lay out how much more rates are between high and low coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific Madison garaging location which can alter auto insurance rates substantially.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $28 more each month or $336 for a full year across all Buick Lucerne models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 32 months between claims, you would probably be better off if you choose the higher deductible. Here is the way we made this calculation.

An important sidenote is that a higher deductible level results in more money out-of-pocket at claim time. You need some available funds in order to pay the higher deductible in order to repair your vehicle.

The chart below highlights how deductible selection and can impact Buick Lucerne annual premium costs for each age group. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Careless driving habits raise Madison insurance rates

The chart below demonstrates how speeding tickets and at-fault claims increase Buick Lucerne insurance costs for different categories of driver ages. The premiums assume a married female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

Age-based insurance rates by gender

The information below visualizes the comparison of Buick Lucerne car insurance rates for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no policy discounts are applied.

Buick Lucerne liability-only versus full coverage

The chart below shows the comparison of Buick Lucerne insurance costs with full physical damage coverage and with liability coverage only. The prices are based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There is no exact rule of when to exclude physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your Buick Lucerne replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after paying your deductible. If premium cost is more than $500 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some situations where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage.

Why you need insurance for your vehicle

Even though it’s not necessarily cheap to insure a Buick in Madison, paying for insurance is required for several reasons.

• Almost all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability if you drive a vehicle. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Buick has a lienholder, most lenders will force you to carry insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Buick at a more expensive rate and force you to pay for it.
• Insurance preserves not only your Buick Lucerne but also your financial assets. It also can pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to repair the damage.

The benefits of buying enough insurance greatly outweigh the cost, especially for larger claims. But the average American driver is overpaying over $810 a year so smart consumers compare quotes at every policy renewal to ensure rates are inline.

Why Smart Consumers Pay Less for Buick Lucerne Insurance

Many things are taken into consideration when quoting car insurance. Some are pretty understandable such as traffic violations, but others are less apparent like your continuous coverage or your vehicle rating.

Your spouse saves you money – Your spouse actually saves money when shopping for car insurance. Marriage demonstrates that you tend to be more responsible and insurance companies like that married drivers get in fewer accidents.

Cut premiums and deter theft – Driving a car with an alarm system can help bring down rates. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft and help bring rates down.

Lower premiums by staying claim free – Insurance companies in Wisconsin award better rates to policyholders who are not frequent claim filers. If you file a lot of claims you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is meant to be used in the event of more catastrophic claims.

Premiums impacted by vehicle usage – Driving a lot of miles each year the higher your rates will be. The majority of insurers calculate rates determined by how the vehicle is used. Autos that sit idle most of the time can be on a lower rate level than those that get driven frequently. It’s always a good idea to double check that your vehicle rating is rated on the correct driver usage. An incorrectly rated Lucerne can cost quite a bit.

These discounts can lower your insurance rates

Companies that sell car insurance do not list every possible discount very well, so we break down a few of the more well known in addition to some of the lesser obvious ways to save on insurance. If you aren’t receiving every discount you qualify for, you are not getting the best rate possible.

• Distant College Student Discount – Youth drivers who attend college more than 100 miles from Madison and do not have a car can receive lower rates.
• Military Deployment Discount – Being deployed in the military could trigger a small discount.
• Online Discount – A handful of companies will provide an incentive for buying a policy and signing up digitally online.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little off the personal injury premium cost.
• ABS Brakes – Vehicles with ABS braking systems or traction control can reduce accidents and earn discounts up to 10%.
• Own a Home – Owning your own home or condo can get you a discount because owning a home means you have a higher level of financial diligence.
• Drive Less and Save – Low annual miles may enable drivers to earn lower insurance rates due to less chance of an accident.

As a sidenote, some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The illustration below shows the comparison of Buick Lucerne auto insurance rates with and without discounts applied to the premium. The rate quotes are based on a male driver, no violations or accidents, Wisconsin 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 claim-free, multi-policy, homeowner, marriage, safe-driver, and multi-car discounts applied.

Companies and the discounts they provide can be read below.

• American Family has savings for multi-vehicle, bundled insurance, early bird, defensive driver, and TimeAway discount.
• State Farm discounts include good student, defensive driving training, multiple autos, Steer Clear safe driver discount, and multiple policy.
• 21st Century offers premium reductions for theft prevention, homeowners, air bags, defensive driver, and good student.
• Travelers may offer discounts for multi-car, early quote, hybrid/electric vehicle, student away at school, multi-policy, and save driver.
• GEICO may include discounts for daytime running lights, federal employee, good student, multi-policy, and five-year accident-free.

If you need lower rates, check with every insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policies everywhere.

You are unique and your car insurance should be too

When buying a policy for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if you will benefit from professional help.

• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my Buick Lucerne covered if I use it for business?
• Why is insurance for a teen driver so high in Madison?
• Am I covered if I have no license?
• Can I use my car for my catering business?
• Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Exclusive versus independent insurance agents

Certain consumers just prefer to buy from a local agent and doing so can bring peace of mind Insurance agents can point out coverage gaps and help in the event of a claim. A nice benefit of getting free rate quotes online is the fact that drivers can get cheaper car insurance rates but still work with a licensed agent.

Once you complete this quick form, your coverage information is submitted to participating agents in Madison that provide free Madison auto insurance quotes to get your business. It’s much easier because you don’t need to contact any agents as quotes are delivered directly to your email. If you want to get a rate quote for a specific company, just visit that company’s website and fill out their quote form.

Finding the right insurer should include more criteria than just a cheap price. These are some valid questions you should ask.

• Is auto insurance their primary focus in Madison?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• Which companies do they recommend if they are an independent agency?
• How long has their agency been in business in Madison?
• Do they have any clout with companies to ensure a fair claim settlement?
• How many companies do they write for?
• Do they get paid more for recommending certain coverages?

If you are wanting to purchase insurance from a reliable insurance agency, you need to know there are two different agency structures and how they can service your needs differently. Agencies in Madison are classified as either independent agents or exclusive agents. Either one can insure your vehicles, but it’s worth learning how they are different since it can impact your selection of an agent.

Exclusive Insurance Agencies

Exclusive agents have only one company to place business with such as Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled in insurance sales and that can be a competitive advantage. Consumers sometimes purchase coverage from exclusives partially due to high brand loyalty and solid financial strength.

Listed below is a list of exclusive agencies in Madison that can give you price quotes.

• American Family Insurance – Brian Uelmen
  4222 Milwaukee St Ste 81 – Madison, WI 53714 – (608) 241-8688 – View Map
• Kevin Lease – State Farm Insurance Agent
  7941 Tree Ln #205 – Madison, WI 53717 – (608) 824-9950 – View Map
• Farmers Insurance – The Arttus Agency
  624A Struck St – Madison, WI 53719 – (608) 271-9395 – View Map

More insurance agents

Independent Insurance Agents

Agents that elect to be independent are not limited to a single company so as a result can place your coverage with multiple insurance companies and help determine which has the cheapest rates. If you are not satisfied with one company, they can switch companies in-house which makes it simple for you.

When shopping rates, you will want to compare quotes from a couple of independent agencies so that you have a good selection of quotes to compare. Most also write with companies that do not advertise much that can offer cheaper rates than bigger companies.

Shown below are independent insurance agencies in Madison willing to provide comparison quotes.

• The Curtis Agency
  2929 Atwood Ave – Madison, WI 53704 – (608) 250-2501 – View Map
• Wisconsin Insurance Security Fund
  2820 Walton Cmns W # 135 – Madison, WI 53718 – (608) 242-9473 – View Map
• Affiliated Insurance-Wisconsin
  3830 Atwood Ave – Madison, WI 53714 – (608) 273-3361 – View Map

More insurance agents

After getting satisfactory answers to any questions you have and locked in a price quote, chances are good that you have found an auto insurance agent that meets the requirements to provide insurance coverage. It’s important to know that you can always cancel your policy whenever you wish so never assume that you are permanently stuck with any particular company for any length of time.

Wisconsin car insurance companies

Choosing a highly-rated company can be a challenge considering how many companies provide coverage in Madison. The information below may help you analyze which auto insurers to look at comparing rates from.

Top 10 Madison Car Insurance Companies Overall

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top 10 Madison Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Don’t give up on cheaper rates

As you shop your coverage around, never skimp on coverage in order to save money. There are a lot of situations where someone sacrificed collision coverage only to regret at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost.

We covered many tips how you can lower your Buick Lucerne insurance car insurance rates in Madison. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive Madison auto insurance quotes. Drivers may even discover the best car insurance rates are with some of the lesser-known companies.

Consumers change insurance companies for a number of reasons such as questionable increases in premium, delays in paying claims, poor customer service and even being labeled a high risk driver. Regardless of your reason, finding a new insurance company is actually quite simple.

For more information, link through to the following helpful articles:

• Cellphones, Texting and Driving (iihs.org)
• Who Has Affordable Auto Insurance Rates for Welfare Recipients in Madison? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Subaru Outback in Madison? (FAQ)
• How Much are Madison Car Insurance Rates for a Toyota Highlander? (FAQ)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Bodily Injury Coverage (Liberty Mutual)
• Older Driver Statistics (Insurance Information Institute)