Cheapest Rates for Buick Lucerne Insurance in Minneapolis

Insurance rates Buick Lucerne in MinneapolisIf your goal is the lowest price, then the best way to find lower priced car insurance rates is to compare quotes once a year from different companies who sell insurance in Minneapolis. You can compare prices by completing these steps.

  1. Get an understanding of how companies set rates and the things you can control to prevent expensive coverage. Many rating factors that are responsible for high rates like traffic violations and poor credit history can be rectified by making small lifestyle or driving habit changes. This article gives instructions to prevent rate hikes and find available discounts that you may qualify for.
  2. Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
  3. Compare the new rates to your existing policy and determine if there is any savings. If you find better rates and switch companies, verify that coverage does not lapse between policies.
  4. Notify your current company of your intention to cancel your existing policy and submit the signed application along with the required initial payment to your new agent or company. As soon as you have the new policy, place your new certificate of insurance along with your vehicle registration.

One important bit of advice is to compare similar coverage information on each quote and and to look at as many different companies as possible. This provides an accurate price comparison and a complete price analysis.

It’s safe to conclude that car insurance companies want to prevent you from shopping around. People who compare rates once a year will, in all likelihood, switch companies because there is a significant possibility of finding a lower rate. A recent survey revealed that consumers who did price comparisons regularly saved about $3,400 over four years compared to people who never compared other company’s rates.

If finding the cheapest price for auto insurance is your ultimate objective, understanding the best way to quote and compare coverages can make shopping around easier.

Finding the cheapest insurance coverage in Minneapolis can initially seem challenging. If you have coverage now or are looking for a new policy, use these money-saving tips to find better prices without having to cut coverage. Shoppers only have to learn the most efficient way to shop their coverage around instantly.

Companies offering Buick Lucerne insurance in Minneapolis

The companies in the list below have been selected to offer free quotes in Minnesota. If multiple companies are listed, it’s highly recommended you click on several of them in order to find the lowest rates.

Buick Lucerne insurance coverage information

The data table displayed next showcases a range of insurance rates for Buick Lucerne models. Learning a little about how auto insurance prices are determined can be useful when making smart buying decisions.


Buick Lucerne Insurance Rates in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $194 $384 $334 $20 $100 $1,032 $86
Lucerne CXL $194 $384 $334 $20 $100 $1,032 $86
Lucerne CXL Special Edition $194 $442 $334 $20 $100 $1,090 $91
Lucerne Super $216 $442 $334 $20 $100 $1,112 $93
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in garaging location in Minneapolis which can impact coverage rates substantially.

How high should deductibles be?

When comparing insurance rates, the most common question is what deductibles to buy. The data tables below can help you visualize the cost difference when you choose different comp and collision deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.


Buick Lucerne insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $276 $486 $318 $18 $94 $1,217 $101
Lucerne CXL $276 $486 $318 $18 $94 $1,217 $101
Lucerne CXL Special Edition $276 $560 $318 $18 $94 $1,291 $108
Lucerne Super $308 $560 $318 $18 $94 $1,323 $110
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Buick Lucerne insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $170 $306 $318 $18 $94 $906 $76
Lucerne CXL $170 $306 $318 $18 $94 $906 $76
Lucerne CXL Special Edition $170 $352 $318 $18 $94 $952 $79
Lucerne Super $190 $352 $318 $18 $94 $972 $81
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in Minneapolis location which can affect premium rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $27 more each month or $324 for a full year averaged for all Lucerne models than buying the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 28 months between claims, you would probably come out ahead if you choose the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $105
Average monthly premium for $1,000 deductibles (subtract): – $78
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

An important thing to remember is that raising deductibles to save money means you will have to pay more out-of-pocket at claim time. You need to have access to more funds in the event you need to pay more to get your vehicle repaired.

Car insurance discounts are available to get cheap rates

Car insurance is easily one of your largest bills, but you might be missing out on some discounts to cut the cost considerably. Many discounts should be triggered when you purchase, but a few must be asked for before you get the savings.Car insurance discounts

A quick disclaimer, most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any amount of discount will reduce the amount you have to pay.

The diagram below illustrates the comparison of Buick Lucerne insurance costs with and without discounts being applied to the rates. The prices are based on a male driver, a clean driving record, no at-fault accidents, Minnesota state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, homeowner, multi-car, and marriage discounts applied.

The best car insurance companies and a partial list of their discounts are included below.

It’s a good idea to ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in Minneapolis. To find car insurance companies who offer cheap Buick Lucerne insurance quotes in Minneapolis, click this link.

Insurance agent or online?

A small number of people just prefer to get advice from a local agent and doing that can be a smart decision Good insurance agents can help you build your policy and give you someone to call. A nice benefit of price shopping on the web is you may find lower rates and still have an agent to talk to.

Minneapolis insurance agentsFor easy comparison, once you complete this quick form, your information gets sent to companies in Minneapolis who want to provide quotes for your business. You don’t have to do any legwork because prices are sent instantly to you. If you want to get a rate quote from one company in particular, you can always visit that company’s website and give them your coverage information.

Choosing the best provider shouldn’t rely on just a low price. Any good agent in Minneapolis should know the answers to these questions.

Choose an insurance agent wisely

If you are wanting to find an insurance agent, it’s important to understand the different agency structures that you can select. Insurance policy providers may be either independent agents or exclusive agents depending on their employer. Both can sell and service insurance coverage, but we need to point out the difference in the companies they write for since it may influence buying decisions.

Exclusive Insurance Agents

Exclusive insurance agents can only place business with one company like Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot shop your coverage around so keep that in mind. These agents are well trained on what they offer which aids in selling service over price.

Below are Minneapolis exclusive insurance agents willing to provide price quotes.


8347 University Ave NE DMinneapolis, MN 55432(763) 780-2222View Map


127 W Grant St, # CMinneapolis, MN 55403(612) 871-6830View Map


210 N 2nd St #70Minneapolis, MN 55401(612) 208-0276View Map

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Independent Insurance Agencies

Independent agencies can sell policies from many different companies and that gives them the ability to insure with a variety of different insurance companies and find the cheapest insurance rates. If your premiums go up, they simply switch companies in-house which makes it simple for you.

If you are comparing rate quotes, it’s a good idea to get quotes from at a minimum one independent agency to ensure the widest selection of prices.

Below are independent agencies in Minneapolis that can give you price quote information.


121 S 8th St #980Minneapolis, MN 55402(612) 339-5522View Map


333 N Washington AveMinneapolis, MN 55401(612) 460-7796View Map


2469 University Ave WSt Paul, MN 55114(651) 647-9665View Map

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Auto insurance coverage options for a Buick Lucerne

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most auto insurance policies.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible on your Lucerne in order to get cheaper collision rates.

Liability auto insurance

This coverage protects you from damage that occurs to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 30/60/10 that means you have $30,000 in coverage for each person’s injuries, a limit of $60,000 in injury protection per accident, and $10,000 of coverage for damaged property.

Liability coverage protects against things such as medical expenses, structural damage, pain and suffering and bail bonds. How much coverage you buy is a personal decision, but you should buy as much as you can afford. Minnesota requires minimum liability limits of 30/60/10 but you should consider buying better liability coverage.

The chart below shows why buying low liability limits may not be enough.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, a tree branch falling on your vehicle, hitting a bird and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like doctor visits, nursing services, hospital visits and surgery. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many Minnesota drivers only carry the minimum required liability limits (30/60/10 in Minnesota), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Affordable auto insurance rates are out there

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed physical damage coverage and learned later they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

Some auto insurance companies don’t offer internet price quotes and these small insurance companies sell through independent insurance agents. Cheaper auto insurance in Minneapolis is available from both online companies as well as from insurance agents, so you should compare both in order to have the best price selection to choose from.

Much more information about auto insurance in Minnesota is located at the links below