Best Ways to Save on Anchorage Buick Lucerne Insurance

Discount Buick Lucerne insuranceFinding more affordable prices for Buick Lucerne insurance in Anchorage can be a challenge for drivers who are beginners to comparing rates online. Because there are so many insurers available, it can easily turn into a challenge to find better rates on Buick Lucerne insurance.

Smart shoppers know that insurance companies don’t want you to look at other companies. People who perform rate comparisons will most likely switch to a new company because there is a great chance of finding a cheaper policy. Surprisingly, a recent survey revealed that people who compared rate quotes regularly saved an average of $850 each year compared to policyholders who didn’t regularly shop around.

If saving the most money on Buick Lucerne insurance is your objective, learning the best ways to find and compare insurance coverage can help you be more efficient.

You need to compare prices quite often because insurance rates tend to go up over time. Just because you found the best deal on Buick Lucerne insurance in Anchorage last year you will most likely find a better price today. Don’t believe everything you read about Lucerne insurance out there, but in just a couple of minutes you can learn some of the best ways to save money.

Cheap companies for Buick Lucerne insurance in Alaska

The companies shown below have been selected to offer price quotes in Anchorage, AK. If you want to find cheap car insurance in Anchorage, AK, we suggest you visit several of them to find the most affordable auto insurance rates.

Facts and figures for Buick Lucerne insurance

The rate table displayed next showcases detailed analysis of rate quotes for Buick Lucerne models. Being able to understand how insurance quotes are determined can aid in making smart choices when choosing a car insurance company.

Buick Lucerne Insurance Rates in Anchorage, AK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $192 $336 $272 $16 $82 $898 $75
Lucerne CXL $192 $336 $272 $16 $82 $898 $75
Lucerne CXL Special Edition $192 $388 $272 $16 $82 $950 $79
Lucerne Super $214 $388 $272 $16 $82 $972 $81
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in garaging location in Anchorage which can change coverage prices noticeably.

Higher deductibles save money

One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The rates shown below highlight the differences in price between low and high physical damage coverage deductibles. The first data table uses a $100 deductible and the second set of rates uses a $1,000 deductible.

Buick Lucerne insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $264 $498 $272 $16 $82 $1,157 $96
Lucerne CXL $264 $498 $272 $16 $82 $1,157 $96
Lucerne CXL Special Edition $264 $574 $272 $16 $82 $1,233 $103
Lucerne Super $294 $574 $272 $16 $82 $1,263 $105
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Buick Lucerne insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $146 $262 $272 $16 $82 $778 $65
Lucerne CXL $146 $262 $272 $16 $82 $778 $65
Lucerne CXL Special Edition $146 $302 $272 $16 $82 $818 $68
Lucerne Super $164 $302 $272 $16 $82 $836 $70
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Estimates do not factor in Anchorage location which can increase or decrease premium rates significantly.

Based on these figures, using a $100 deductible will cost you approximately $33 more each month or $396 a year than quoting the higher $1,000 deductible. Due to the fact that 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 have more than 27 months between claim filings, you would save money by going with a higher deductible.

Annual premiums for males versus females in Anchorage

The information below visualizes the comparison of Buick Lucerne auto insurance rates for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full coverage, $500 deductibles, drivers are single, and no discounts are applied.

Learn How to Quote Insurance at a Discount

Consumers need to have an understanding of some of the factors that help calculate your premiums. If you have a feel for what influences your rates, this enables informed choices that could help you find big savings.

Listed below are some of the factors utilized by car insurance companies to help set prices.

Take policy discounts and save on Buick Lucerne insurance in Anchorage

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Certain discounts will be applied when you purchase, but some may not be applied and must be specially asked for before you get the savings.Auto insurance discounts

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. But any discount will positively reduce the premium cost.

The diagram below shows the difference between Buick Lucerne auto insurance rates with and without discounts. The information is based on a male driver, a clean driving record, no claims, Alaska state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-car, safe-driver, and multi-policy discounts applied.

The best auto insurance companies and some of their more popular discounts can be read below.

When quoting, ask each company which credits you are entitled to. Savings may not be available in your state. To see insurance companies with significant discounts in Anchorage, click here.

Do I need an agent?

Some people just want to sit down with an agent and that is not a bad decision One of the benefits of comparing insurance online is the fact that drivers can get cheaper car insurance rates and still choose a local agent. And buying from local insurance agents is still important in Anchorage.

Find insurance agent in AnchorageUpon completion of this form (opens in new window), the coverage information is emailed to participating agents in Anchorage who will return price quotes to get your business. It makes it easy because there is no need to even leave your home because quoted prices will be sent directly to you. You can find the lowest rates without requiring a lot of work. In the event you want to get a price quote from a specific insurance provider, just visit that company’s website and submit a quote form there.

Two types of Anchorage auto insurance agents

If you are wanting to find a reliable insurance agency, it can be helpful to understand the types of agencies and how they are distinctly different. Agents in Anchorage are categorized either exclusive or independent (non-exclusive).

Independent Insurance Agents

Agents that elect to be independent often have many company appointments so as a result can place your coverage through lots of different companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. If you are trying to find cheaper rates, you should always get rate quotes from at least one independent agent to have the most options to choose from. Many write coverage with small regional insurance companies which could offer lower prices.

Featured below are independent insurance agents in Anchorage that can possibly get you cheap rate quotes.

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Exclusive Agents

Agents that elect to be exclusive work for only one company such as Allstate, Farmers Insurance or State Farm. They generally cannot provide other company’s prices so they really need to provide good service. They receive a lot of sales training on sales techniques which helps overcome the inability to quote other rates. Some consumers prefer to buy insurance from these agents mostly because of the brand instead of buying on price only.

Below is a short list of exclusive agents in Anchorage willing to provide comparison quotes.

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Choosing the best insurance agency shouldn’t rely on just a low price. Ask your prospective agent these questions:

Upon getting reasonable responses to any questions you have and a good coverage price, you may have found a car insurance agent that is a good match to adequately provide insurance.

Ratings for Alaska car insurance companies

Ending up with the right company can be a challenge considering how many companies there are to choose from in Anchorage. The company ratings shown next can help you select which car insurance companies you want to consider purchasing coverage from.

Top 10 Anchorage Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. State Farm – A++
  3. GEICO – A++
  4. Esurance – A+
  5. Allstate – A+
  6. Progressive – A+
  7. The Hartford – A+
  8. The General – A-
  9. AAA Insurance – A
  10. Liberty Mutual – A

Top 10 Anchorage Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Progressive
  9. Allstate
  10. Liberty Mutual

How to know if you need help

When quoting and choosing the right insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.Higher deductibles save money

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Compare but don’t skimp

Some auto insurance companies don’t offer internet price quotes and usually these regional insurance providers sell through independent agents. Lower-priced auto insurance in Anchorage can be sourced both online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from.

When searching for low cost Anchorage car insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best possible price, but do not skimp to save money.

Insureds who switch companies do it for many reasons like high rates after DUI convictions, questionable increases in premium, poor customer service and even being labeled a high risk driver. It doesn’t matter what your reason, finding a great new company is pretty easy and you might even save some money in the process.

How to buy lower priced Buick Lucerne insurance in Anchorage

Truthfully, the best way to get budget Buick Lucerne insurance is to regularly compare prices from companies who sell auto insurance in Anchorage.

An important part of this process is to try to use similar coverage information on each quote and and to get price quotes from all possible companies. This provides an accurate price comparison and plenty of rates choose from.

More detailed auto insurance information can be read by following these links: