Do you want to learn to get the cheapest Buick Lucerne insurance in Boston? Are you overwhelmed by the number of insurance sources in Boston? Many other drivers are as well. People have so many options that it can really be more work than you anticipated to find the perfect company for you. Boston is a great city to raise a family in, but inflated insurance prices can make it hard to buy full coverage.
We don't have to tell you that insurance companies want to prevent you from shopping around. People who compare other prices are inclined to buy a different policy because there is a high probability of finding a lower-priced policy. A recent survey revealed that people who routinely compared quotes saved an average of $72 a month compared to those who never compared other company's rates.
If finding low prices for insurance is your ultimate target, then having an understanding of how to shop for insurance can make the process less intimidating.
Keep in mind that comparing more prices will enable you to find a better price. Not every company does online rate quotes, so you should also compare price quotes from them as well.
The companies in the list below are our best choices to provide quotes in Massachusetts. To buy cheap car insurance in Boston, we recommend you visit as many as you can to find the most affordable car insurance rates.
Lower rate quotes by taking advantage of discounts
Companies do not list every available discount very clearly, so we took the time to find some of the more common and the harder-to-find discounts that you can inquire about if you buy Boston car insurance online.
- Onboard Data Collection - Boston drivers who agree to allow their company to scrutinize driving patterns by installing a telematics device like In-Drive from State Farm and Progressive's Snapshot could save a few bucks if they are good drivers.
- Defensive Driver Discount - Passing a safe driver course is a good idea and can lower rates and easily recoup the cost of the course.
- Discount for Passive Restraints - Cars that have air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
- College Student Discount - Youth drivers who are attending college and won't have access to an insured vehicle can receive lower rates.
- One Accident Forgiven - This one isn't a discount, but some insurance companies will forgive one accident without the usual rate increase if your claims history is clear for a specific time period.
- Safety Restraint Discount - Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
- Own a Home and Save - Just owning your own home may earn you a small savings because maintaining a house requires a higher level of personal finance.
- Discount for Life Insurance - If the company offers life insurance, you could get lower rates if you buy a life policy as well.
- Bundle and Save - When you combine your auto and homeowners insurance with one insurance company you could get a discount of as much as 10 to 15 percent.
It's important to understand that some of the credits will not apply to the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you're out of luck. But any discount should help lower your policy premium.
The diagram below shows the comparison of Buick Lucerne annual premium costs with and without some available policy discounts. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $500 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.
A few popular companies and some of their more popular discounts are outlined below.
- AAA policyholders can earn discounts including education and occupation, good student, pay-in-full, multi-car, anti-theft, and AAA membership discount.
- Progressive may offer discounts for online quote discount, multi-policy, homeowner, multi-vehicle, continuous coverage, online signing, and good student.
- State Farm offers discounts including Drive Safe & Save, defensive driving training, anti-theft, good driver, multiple autos, good student, and driver's education.
- Esurance may include discounts for DriveSense, paid-in-full, multi-policy, online shopper, defensive driver, anti-lock brakes, and Pac-12 alumni.
- Nationwide has savings for good student, accident-free, Farm Bureau membership, family plan, multi-policy, defensive driving, and business or organization.
Before you buy a policy, ask each company which discounts can lower your rates. All car insurance discounts may not be offered in your area. If you would like to see a list of insurers with discount rates in Massachusetts, click here.
Coverage statistics and figures
The coverage table shown next highlights a range of policy rates for Buick Lucerne models. Understanding how insurance prices are calculated is important for making decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Lucerne CXL Special Edition||$184||$404||$320||$18||$96||$1,022||$85|
|Get Your Own Custom Quote Go|
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can change premiums greatly.
The chart below shows how choosing a deductible and can affect Buick Lucerne insurance costs for each different age category. The rates are based on a single female driver, full coverage, and no other discounts are factored in.
Car insurance premiums based on gender
The example below illustrates the comparison of Buick Lucerne car insurance rates for male and female drivers. Data assumes no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no discounts are factored in.
Buick Lucerne full coverage rates compared to liability only
The information below shows the comparison of Buick Lucerne insurance costs with and without physical damage coverage. The premiums are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no exact rule of when to stop paying for physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let's assume your Buick Lucerne book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $4,000 after you pay the deductible. If premiums are more than $400 annually to have full coverage, then you might consider buying liability only.
There are some circumstances where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Smart Consumers Can Slash Their Insurance Prices
It's important that you understand some of the things that help determine the level of your policy premiums. If you have some idea of what influences your rates, this enables informed choices that may reward you with big savings.
Safer cars cost less to insure - Safe vehicles can get you lower premiums. Vehicles engineered for safety reduce occupant injuries and any reduction in injury severity translates directly to fewer claims which can result in lower premiums.
Bad driving means higher prices - Whether or not you get tickets can have a huge impact on auto insurance premiums. Drivers who don't get tickets pay less for auto insurance as compared to careless drivers. Having a single speeding ticket can bump up the cost forty percent or more. People who have careless violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 form with their state's department of motor vehicles in order to legally drive.
The chart below shows how speeding tickets and accident claims can affect Buick Lucerne premium costs for each different age category. Data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Extra policy coverages are wasting money - Insurance companies have many extra bells and whistles that can waste your money if you aren't diligent. Coverages for roadside assistance, death and dismemberment, and motor club memberships could be just wasting money. These coverages may sound good at first, but your needs may have changed so think about removing them and cutting costs.
High comp and collision deductibles save money - Your deductibles state the amount of money the insured will be required to pay if the claim is covered. Physical damage insurance, also called 'full coverage', insures against damage to your car. Some examples of claims that would be covered are rear-ending another vehicle, vandalism, or theft of your vehicle. The higher the amount you choose to pay out-of-pocket, the lower your rates will be.
Liability protection claims can be big - Your insurance policy's liability coverage is the protection in the event that you are responsible for damages caused by your negligence. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.