Find Affordable Buick Lucerne Insurance in Oklahoma City

Insurance quote for Buick Lucerne in Oklahoma CityTo save the most money, the best way to find affordable quotes for Buick Lucerne insurance in Oklahoma City is to start comparing prices regularly from insurers that sell auto insurance in Oklahoma. Rate comparisons can be done by following these guidelines.

  1. Take a little time to learn about the different coverages in a policy and the factors you can control to lower rates. Many factors that result in higher prices such as traffic violations and poor credit rating can be controlled by making minor changes to your lifestyle.
  2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can provide rate quotes from multiple sources.
  3. Compare the quotes to the premium of your current policy and see if there is a cheaper rate in Oklahoma City. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

The critical component of shopping around is to compare the same deductibles and limits on every quote and and to get price estimates from every company you can. This helps ensure an accurate price comparison and the best price quote selection.

It’s an obvious statement that auto insurance companies don’t want their customers to go rate shopping. Drivers who compare rates at least once a year will probably buy a new policy because they have good chances of finding more affordable rates. A recent survey discovered that people who made a habit of comparing rate quotes saved about $865 a year compared to drivers who don’t make a habit of comparing rates.

If finding the most affordable car insurance in Oklahoma City is why you’re here, then having an understanding of how to quote prices and compare coverages can help simplify the task of finding more affordable coverage.

Buick Lucerne insurance discounts in Oklahoma City

Auto insurance is expensive, but you might already qualify for some discounts that you may not even know about. Some of these discounts will be visible when you purchase, but some may not be applied and must be requested specifically prior to receiving the credit. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.Save money with discounts

Please keep in mind that some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

The information below visualizes the comparison of Buick Lucerne insurance prices with and without discounts applied to the premium. The premium estimates are based on a female driver, no claims or driving citations, Oklahoma state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, claim-free, marriage, and multi-policy discounts applied.

Companies and some of the premium reductions they offer are detailed below.

If you are trying to find affordable Buick Lucerne insurance quotes, ask each company or agent to apply every possible discount. Some discounts listed above may not be available in your area. For a list of auto insurance companies who offer auto insurance discounts in Oklahoma City, follow this link.

The auto insurance companies shown below can provide free quotes in Oklahoma City, OK. If more than one company is shown, it’s highly recommended you get rate quotes from several of them to get the best price comparison.

Buick Lucerne insurance rates and statistics

The price information below covers a range of prices for Buick Lucerne models. Learning as much as possible about how auto insurance policy rates are calculated can help you make smart policy decisions.


Buick Lucerne Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $244 $460 $422 $24 $126 $1,276 $106
Lucerne CXL $244 $460 $422 $24 $126 $1,276 $106
Lucerne CXL Special Edition $244 $530 $422 $24 $126 $1,346 $112
Lucerne Super $272 $530 $422 $24 $126 $1,374 $115
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can influence rates considerably.

Choosing deductibles

One common question asked by Oklahoma City drivers is the level to set your comp and collision deductibles. The following tables may help to illustrate the price difference of buying low and high physical damage deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.


Buick Lucerne insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $392 $688 $448 $26 $134 $1,713 $143
Lucerne CXL $392 $688 $448 $26 $134 $1,713 $143
Lucerne CXL Special Edition $392 $792 $448 $26 $134 $1,817 $151
Lucerne Super $436 $792 $448 $26 $134 $1,861 $155
Get Your Own Custom Quote Go

Buick Lucerne insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $242 $432 $448 $26 $134 $1,282 $107
Lucerne CXL $242 $432 $448 $26 $134 $1,282 $107
Lucerne CXL Special Edition $242 $498 $448 $26 $134 $1,348 $112
Lucerne Super $270 $498 $448 $26 $134 $1,376 $115
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in Oklahoma City location which can impact insurance rates considerably.

We can derive from the above data that using a $250 deductible would cost the average driver about $38 more each month or $456 a year averaged for all Lucerne models than buying the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 20 months between claims, you would probably come out ahead going with the higher deductible.

The example below illustrates how your choice of deductibles and can raise or lower Buick Lucerne insurance rates for different insured age categories. The data assumes a single male driver, comp and collision included, and no discounts are factored in.

Buick Lucerne insurance rates: Men versus women

The example below shows the difference between Buick Lucerne insurance costs for male and female drivers. The premiums assume no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.

Local Oklahoma City insurance agents and auto insurance

Many drivers still like to get professional advice from a licensed agent. Good insurance agents are trained to spot inefficiencies and will help you if you have claims. A good thing about price shopping on the web is you may find cheap rate quotes and still choose a local agent.

After filling out this short form, your insurance coverage information is transmitted to participating agents in Oklahoma City that can provide free Oklahoma City auto insurance quotes for your auto insurance coverage. It’s much easier because you don’t need to contact an agency since price quotes are sent to you instantly. If you want to get a rate quote from a specific company, don’t hesitate to find their quoting web page and submit a quote form there.

Finding the right insurer needs to be determined by more than just a low price. Agents should be asked these questions:

Oklahoma auto insurance companies

Finding a high-quality auto insurance provider can be rather challenging considering how many choices there are in Oklahoma. The ranking information shown below could help you decide which companies to look at when looking for cheaper rates.

Top 10 Oklahoma City Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Oklahoma City Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

One last note

We covered some good ideas how to lower your Buick Lucerne insurance premium rates in Oklahoma City. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from the least-expected company.

When you buy Oklahoma City auto insurance online, do not reduce coverage to reduce premium. Too many times, consumers will sacrifice liability limits or collision coverage only to discover later that it was a big mistake. The proper strategy is to buy the best coverage you can find at the best cost, not the least amount of coverage.

Lower-priced Buick Lucerne insurance in Oklahoma City is attainable both online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

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