Buick Lucerne Insurance Rate Quotes in San Diego

Insurance for Buick LucerneDo you want to learn how to find cheaper Buick Lucerne insurance in San Diego? Sick and tired of trying to scrape together enough money each month for car insurance? You are in the same boat as millions of other consumers.

Regrettably, most car insurance customers have purchased from the same company for at least four years, and nearly 40% of drivers have never compared rates with other companies. San Diego insurance shoppers could save 35% every year just by getting comparison quotes, but they don’t believe the actual amount they would save if they switched to a cheaper policy. Because there are so many companies and agents to choose from, it can be impossible to pick the lowest cost insurance company.

The quickest method to get rate comparisons for Buick Lucerne insurance in San Diego is to know all the major auto insurance companies have advanced systems to provide you with free rate quotes. All consumers are required to do is provide a little information including if it has an anti-theft system, if your license is active, if the car is leased, and how much school you completed. The rating information gets transmitted to insurance companies and they return quotes very quickly.

To compare multiple company affordable Buick Lucerne insurance rates now, click here and enter your coverage details.

The providers in the list below provide free rate quotes in California. If the list has multiple companies, we recommend you visit two to three different companies to get the lowest price.


Buick Lucerne Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $300 $618 $574 $34 $172 $1,698 $142
Lucerne CXL $358 $546 $578 $34 $174 $1,690 $141
Lucerne CXL Special Edition $332 $804 $500 $30 $150 $1,816 $151
Lucerne Super $412 $912 $500 $30 $150 $2,004 $167
Get Your Own Custom Quote Go

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in San Diego location which can influence coverage rates substantially.

Rate difference between full and liability-only coverage

The illustration below shows the difference between Buick Lucerne insurance premiums with full physical damage coverage compared to only buying liability only. The premium estimates are based on no accidents or driving violations, $100 deductibles, single male driver, and no additional discounts are factored in.

Are you wasting money paying for full coverage?

There is no clear-cut formula to exclude comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Buick Lucerne claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after you pay the deductible. If you are paying over $600 a year for full coverage, then you might want to think about dropping full coverage.

There are some situations where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

How accidents and tickets impact rates

The chart below shows how speeding tickets and accidents raise Buick Lucerne premium costs for different age categories. The price estimates are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied.

Auto insurance premiums based on gender

The diagram below compares Buick Lucerne insurance rates for male and female drivers. The premium estimates are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.

Get cheaper Buick Lucerne insurance rates in San Diego

Some insurance providers don’t always advertise the entire discount list very clearly, so below is a list both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy San Diego auto insurance online.Insurance discounts

Please keep in mind that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it’s just not the way it works.

Popular insurance companies and some of the premium reductions they offer are:

If you need lower rates, check with every company the best way to save money. All car insurance discounts may not be available in your area. To choose providers that offer the discounts shown above in San Diego, click here to view.

Local insurance agents

A small number of people just prefer to visit with an insurance agent and that is not a bad decision Good agents are very good at helping people manage risk and help file insurance claims. One of the benefits of getting free rate quotes online is that you can find cheaper prices and also buy local.

Find insurance agent in San DiegoOnce you complete this short form, your insurance coverage information is instantly submitted to participating agents in San Diego who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer as quotes are delivered to you directly. If for some reason you want to compare rates from a particular provider, you just need to jump over to their website and complete a quote there.

Finding a good insurer should depend on more than just the price. Here are some questions to ask:

If you would like to find a reputable insurance agent or broker, you must know there are a couple types of insurance agents that you can select. Agents in San Diego are either exclusive agents or independent agents. Either one can properly insure your vehicles, but it is important to understand why they differ because it may have an impact on your agent selection.

Exclusive Agents

Exclusive agencies can only provide pricing for a single company like AAA, Allstate, State Farm, or Farmers Insurance. They are unable to compare other company’s rates so you might not find the best rates. They receive a lot of sales training on their company’s products and that can be a competitive advantage.

Listed below is a short list of exclusive agents in San Diego willing to provide comparison quotes.


4444 El Cajon Blvd #13San Diego, CA 92115(619) 229-6799View Map


11885 Carmel Mountain Rd #905San Diego, CA 92128(858) 451-1915View Map


7424 Jackson Dr Ste 7San Diego, CA 92119(619) 466-3276View Map

More San Diego agents

Independent Insurance Agents

Agents that elect to be independent are not restricted to one company so they can write business through many different car insurance companies and get you the best rates possible. If they find a cheaper price, they simply move your policy to a different company which requires no work on your part.

If you need lower rates, we recommend you compare quotes from independent agents to get the best comparison.

The following is a short list of independent agents in San Diego who can help you get price quotes.


380 Stevens AveSolana Beach, CA 92075(858) 259-5800View Map


10650 Treena St #105San Diego, CA 92131(858) 391-3001 ext. 105View Map


4619 Convoy St # CSan Diego, CA 92111(858) 569-0383View Map

More San Diego agents

You Can Change Your Insurance Costs

Multiple criteria are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving history, but other factors are not as apparent like where you live or how financially stable you are.

Listed below are some of the most common factors used by companies to determine your rates.

Why do I need car insurance?

Despite the high cost of buying insurance for a Buick Lucerne in San Diego, maintaining insurance is required by state law in California and it also provides benefits you may not be aware of.

The benefits of insuring your Lucerne definitely exceed the price paid, especially when you need to use it. Despite what companies tell you, the average driver overpays more than $810 a year so smart consumers compare quotes each time the policy renews to make sure the price is not too high.

Auto insurance savings summarized

In this article, we presented a lot of ways to reduce Buick Lucerne insurance prices online in San Diego. The key concept to understand is the more you quote San Diego auto insurance, the higher the chance of saving money. Consumers could even find that the lowest prices come from a smaller regional carrier. Regional companies often have lower rates on specific markets than the large multi-state companies such as State Farm or Progressive.

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. In too many instances, someone dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

More detailed auto insurance information can be read in these articles: