Finding 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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
-
Accidents hurt – A bad driving record influences premium rates substantially. Good drivers tend to pay less for car insurance compared to bad drivers. Even one speeding ticket can boost insurance rates by as much as thirty percent. Drivers unfortunate enough to have dangerous citations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state’s licensing department in order to legally drive a vehicle.
The chart below illustrates how traffic citations and at-fault accidents can raise Buick Lucerne insurance costs for different ages of insureds. The premium estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
- Lower deductibles cost more – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Buick. Some examples of covered claims are a broken side mirror, hail damage, and having your car stolen. Physical damage deductibles tell how much you are willing to pay if you file a covered claim. The higher the amount you choose to pay out-of-pocket, the less your insurance will be.
- Stress out and pay more – Jobs such as fire fighters, business owners, and stock brokers are shown to have higher premiums than the average policyholder because of job stress and incredibly demanding work hours. Other jobs such as scientists, students and performers have the lowest average rates.
- Where you call home factors in – Being located in less populated areas of the country is a positive aspect when it comes to insurance. Drivers who live in large cities tend to have more auto accidents and higher rates of accident claims. Lower population means a lower chance of having an accident.
- Is your vehicle theft-ready? – Owning a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.
- Eliminate unneeded add-on coverages – Insurance companies have many add-on coverages that you can buy if you don’t pay attention. Coverage for things like vanishing deductibles, high-cost glass coverage, and extra equipment coverage may be costing you every month. These may sound like a good investment when buying your policy, but if you don’t need them think about removing them and cutting costs.
- Small frequent insurance claims are not good – Car insurance companies in Alaska generally give most affordable rates to people who file claims infrequently. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Your insurance policy is intended to be relied upon for more catastrophic claims.
- Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and better occupant protection translates directly to fewer claims passed on to you as lower rates.
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.
- ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
- Organization Discounts – Having an affiliation with a civic or occupational organization in Anchorage could qualify you for a break when shopping for auto insurance.
- Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease but check with your company.
- No Accidents – Good drivers with no accidents have much lower rates compared to drivers who are more careless.
- Discounts for Safe Drivers – Drivers without accidents may save up to 50% more than drivers with accident claims.
- Life Insurance Discount – Some insurance carriers give a small discount if you purchase some life insurance too.
- Drivers Education – It’s a good idea to have your young drivers enroll in driver’s education if it’s offered in school.
- Auto/Home Discount – If you have multiple policies with one company you could save over 10 percent off each policy depending on the company.
- Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
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.
- Progressive may include discounts for online signing, multi-policy, continuous coverage, good student, and online quote discount.
- GEICO has savings for membership and employees, emergency military deployment, driver training, air bags, and multi-vehicle.
- State Farm may have discounts that include multiple policy, safe vehicle, accident-free, driver’s education, anti-theft, multiple autos, and good student.
- Esurance offers discounts including safety device, good driver, multi-car, emergency road assistance, renters, homeowner, and defensive driver.
- The Hartford policyholders can earn discounts including air bag, good student, anti-theft, bundle, defensive driver, driver training, and vehicle fuel type.
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.
Upon 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.
- J C Morris Insurance Services
4011 Arctic Blvd #105 – Anchorage, AK 99503 – (907) 272-2524 – View Map - Conrad-Houston Insurance
507 W Northern Lights Blvd – Anchorage, AK 99503 – (907) 276-7667 – View Map - Horace Mann Insurance Co
7926 Old Seward Hwy – Anchorage, AK 99518 – (907) 561-1393 – View Map
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.
- Allstate Insurance: Roy Briley
1577 C St Ste 102 – Anchorage, AK 99501 – (907) 297-2900 – View Map - Allstate Insurance: Stanley Tebow
8201 Old Seward Hwy a – Anchorage, AK 99518 – (907) 344-3301 – View Map - Gary Annis – State Farm Insurance Agent
3330 C St #101 – Anchorage, AK 99503 – (907) 563-1960 – View Map
Choosing the best insurance agency shouldn’t rely on just a low price. Ask your prospective agent these questions:
- Do you work with a CSR or direct with the agent?
- How are claims handled?
- Does the agency have a positive business rating?
- Do they have designations such as AIC, CPCU, or CIC?
- Can glass claims be handled at your home?
- If you are a high risk driver, do they have special markets for your coverage?
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
- USAA – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Allstate – A+
- Progressive – A+
- The Hartford – A+
- The General – A-
- AAA Insurance – A
- Liberty Mutual – A
Top 10 Anchorage Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Progressive
- Allstate
- 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.
Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.
- What is roadside assistance coverage?
- Does insurance cover damages from a DUI accident?
- How much can I save by bundling my policies?
- Do I need added coverage for expensive stereo equipment?
- When should I drop full coverage on my Buick Lucerne?
- Is motorclub coverage worth it?
- If my car is totaled with they pay enough to replace it?
- Am I insured when driving a different vehicle?
- I have a DUI can I still get coverage?
- Does my medical payments coverage pay my health insurance deductible?
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.
- Step 1: Get an understanding of auto insurance and the measures you can control to prevent expensive coverage. Many factors that increase rates like traffic citations and a less-than-favorable credit score can be eliminated by making minor changes to your lifestyle.
- Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of companies.
- Step 3: Compare the quotes to your current policy and see if there is a cheaper rate. If you can save money, make sure there is no coverage gap between policies.
- Step 4: Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit a completed application and payment to the new company. Immediately put the new proof of insurance certificate in an easily accessible location.
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:
- Child Safety FAQ (iihs.org)
- What Car Insurance is Cheapest for a Chevrolet Silverado in Anchorage? (FAQ)
- How Much are Anchorage Car Insurance Quotes for a Honda Accord? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)