Buick Lucerne Insurance Rate Quotes in Kansas City

Insurance quote for Buick Lucerne in Kansas CityThe recommended way to get discount auto insurance rates in Kansas City is to annually compare prices from insurance carriers who can sell car insurance in Missouri.

A good tip to remember is to try to compare the same level of coverage on each quote and and to analyze as many auto insurance providers as possible. Doing this provides a fair rate comparison and many rates to choose from.

Surprisingly, a recent survey revealed that a large majority of drivers have remained with the same insurance company for at least the last four years, and approximately 38% of consumers have never shopped around. Many consumers in Missouri can save 25% each year by just comparing rate quotes, but most just don’t grasp how much they could save if they swap their current policy for a cheaper one.

Finding and buying the cheapest insurance in Kansas City is not as hard as you think. If you are already insured or need a new policy, you can use this information to find better prices without reducing coverage. You just have to learn the proper methods to compare rates from many companies at once.

Cheap companies for Buick Lucerne insurance

The following companies can provide price quotes in Kansas City, MO. If you want the cheapest auto insurance in Missouri, it’s highly recommended you get prices from several of them to get the best price comparison.

Insurance coverage analysis

The table shown below covers estimates of coverage prices for Buick Lucerne models. Learning as much as possible about how auto insurance premiums are formulated can benefit drivers when making decisions on which coverage to buy.

Buick Lucerne Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $224 $462 $346 $20 $104 $1,156 $96
Lucerne CXL $224 $462 $346 $20 $104 $1,156 $96
Lucerne CXL Special Edition $224 $532 $346 $20 $104 $1,226 $102
Lucerne Super $248 $532 $346 $20 $104 $1,250 $104
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in zip code location which can revise coverage prices noticeably.

Raise deductibles and save

The hardest decision when buying coverage is which deductible level should you buy. The comparisons below can help you understand the price difference when you buy lower versus higher policy deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Buick Lucerne insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $258 $488 $266 $16 $80 $1,133 $94
Lucerne CXL $258 $488 $266 $16 $80 $1,133 $94
Lucerne CXL Special Edition $258 $562 $266 $16 $80 $1,207 $101
Lucerne Super $288 $562 $266 $16 $80 $1,237 $103
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Buick Lucerne insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $144 $258 $266 $16 $80 $764 $64
Lucerne CXL $144 $258 $266 $16 $80 $764 $64
Lucerne CXL Special Edition $144 $296 $266 $16 $80 $802 $67
Lucerne Super $160 $296 $266 $16 $80 $818 $68
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in specific location information which can decrease or increase price quotes substantially.

We can derive from the above data that using a $100 deductible will cost you approximately $32 more each month or $384 a year than opting for the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 28 months between claims, you would probably come out ahead going with the higher deductible.

How violations and accidents impact rates

The chart below demonstrates how traffic citations and at-fault accidents drive up Buick Lucerne yearly insurance costs for each age group. The prices are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Do you need full coverage?

The illustration below illustrates the comparison of Buick Lucerne annual premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no claims or driving citations, $1,000 deductibles, single status, and no policy discounts are applied.

When to buy liability coverage only

There is no exact formula to exclude physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s assume your Buick Lucerne book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after the policy deductible has been paid. If you are paying in excess of $300 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some circumstances where removing full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Learn How to Lower Your Insurance Costs

Many things are used in the calculation when pricing auto insurance. Most are fairly basic like an MVR report, but other criteria are more obscure like your continuous coverage or how safe your car is. The best way to find cheaper insurance is to take a look at a few of the rating criteria that come into play when calculating your premiums. If you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to cheaper rates.

The items below are some of the major factors used by insurance companies to determine your rates.

Rural areas have lower rates – Being located in areas with lower population is a positive aspect when shopping for auto insurance. People who live in big cities have more auto accidents and more time behind the wheel. Fewer drivers translates into fewer accidents and lower theft and vandalism rates.

Save money with good credit – Having a bad credit score is a large factor in your rate calculation. Insureds with high credit ratings tend to be better risks to insure than those with poor credit scores. So if your credit history leaves room for improvement, you may save money insuring your Buick Lucerne if you clean up your credit.

Does car insurance cost more for males? – Statistics demonstrate that females take fewer risks when driving. It does not mean men are WORSE drivers than women. Men and women get in fender benders at about the same rate, but the men have costlier accidents. Men also tend to get cited for more serious violations such as reckless driving. Youthful male drivers are several times more likely to be in an accident so it costs more to insure them.

The chart below illustrates the difference between Buick Lucerne auto insurance costs for male and female drivers. The premiums are based on no violations or accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are applied.

Save money by eliminating add-on coverages – There are a lot of extra bells and whistles you can purchase on your insurance policy. Coverages for rental car coverage, accidental death, and extra life insurance coverage may be wasting your money. They may sound like good ideas when talking to your agent, but if you’ve never needed them in the past think about removing them and cutting costs.

Safer vehicles mean better rates – Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and fewer serious injuries translates into fewer and smaller insurance claims which can mean better rates for you.

Car insurance policy discounts for Buick Lucerne insurance in Kansas City

Some providers don’t necessarily list every available discount very clearly, so the below list has a few of the more well known and also the more inconspicuous credits that may apply to you.Save money with discounts

Discounts lower rates, but most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The information below visualizes the comparison of Buick Lucerne insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Missouri state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, homeowner, multi-car, and marriage discounts applied.

A partial list of companies that may offer some of the above discounts may include but are not limited to:

If you need lower rates, check with each company to give you their best rates. Some of the earlier mentioned discounts might not be offered in Kansas City. If you would like to view insurance companies who offer discounts in Missouri, click this link.

Insurance agencies near you

Certain consumers still like to get professional advice from a licensed agent and that is a smart decision Most agents are trained to spot inefficiencies and help submit paperwork. One of the benefits of getting free rate quotes online is you may find cheap auto insurance rates and still have an agent to talk to. And supporting local insurance agents is definitely important in Kansas City.

Insurance agency in Kansas CityOnce you complete this form (opens in new window), the coverage information is immediately sent to participating agents in Kansas City that give free quotes for your insurance coverage. There is no reason to drive around since price quotes are sent directly to you. If you need to compare prices from a particular provider, you just need to find their quoting web page and complete a quote there.

If you would like to find an insurance agent, it can be helpful to understand the different types of agents that differ in how they can insure your vehicles. Auto insurance agents are considered either independent agents or exclusive agents. Both types of agents can sell affordable auto insurance policies, but it’s worth mentioning the difference in how they write coverage since it can affect the type of agent you choose.

Independent Auto Insurance Agencies

Independent agencies are not restricted to one company and that enables them to quote your coverage through many companies and find you the best rates. If you want to switch companies, your agent can switch companies and you don’t have to switch agencies. If you need lower rates, you absolutely need to get some free quotes from multiple independent agents to ensure the widest selection of prices. A lot of them also have access to smaller companies that may have much lower rates than larger companies.

Featured below are independent insurance agents in Kansas City that can give you free auto insurance quotes.

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Exclusive Agents

Agents of this type can only provide pricing for a single company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies are well schooled on their products and sales techniques which can be an advantage. Many people use the same agent primarily because of the brand and strong financial ratings.

Shown below are exclusive insurance agents in Kansas City willing to provide rate quotes.

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Finding a good auto insurance agent needs to be determined by more than just the quoted price. The questions below may impact your decision as well.

Ratings for Kansas City car insurance companies

Insuring your vehicle with the top insurance company can be challenging considering how many companies sell coverage in Kansas City. The company ratings in the lists below could help you select which auto insurers to look at when looking for cheaper rates.

Top Car Insurance Companies in Kansas City
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

When to get professional advice

When quoting and comparing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. You are unique.Higher deductibles save money

Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Frequent quotes can save

When buying insurance coverage, never sacrifice coverage to reduce premiums. In many cases, someone dropped collision coverage and found out when filing a claim that it was a big error on their part. Your objective should be to get the best coverage possible at the best cost.

We’ve covered a lot of ways to reduce Buick Lucerne insurance car insurance rates online in Kansas City. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. You may even find the best price on insurance is with a small local company.

People who switch companies do it for a number of reasons such as poor customer service, extreme rates for teen drivers, being labeled a high risk driver or even policy non-renewal. It doesn’t matter why you want to switch switching insurance companies is pretty easy and you might even save some money in the process.

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