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UPDATED: Mar 13, 2020
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Buick car insurance varies from state. Although owners of Buick vehicles can expect to receive cheap car insurance quotes from any insurance company, there are reasons that some owners will be quoted what they consider to be high rates. This will not just be because auto insurance will be different form state to state; it will also be different from company to company within a state. Find car insurance by make for FREE with our ZIP code search! Enter your ZIP code and compare car insurance INSTANTLY!
Each insurance company will examine the demographics and driving records of people who apply for insurance from their companies. So many factors go into how an insurance company determines the auto insurance rates for each individual applicant that these people need to compare quotes from many auto insurance companies. Use our ZIP code search and save money INSTANTLY! We will bring together the best car insurance rates and help you find the best deal!
Factors that Affect Buick Car Insurance Rates
The car owners’ age and gender are very important to car insurance companies. Some of the most dangerous drivers are male under the age of 25. These are the people who are quoted the highest rates because they present the insurance company with such a high risk. The other side of this equation is that any male under the age of 25 would, most likely, be quoted a lower rate than if he tried to insure a sports car, but this demographic isn’t likely to drive Buick vehicles.
When people apply to a new insurance company for Buick car insurance, these companies will be interested in what their driving records have to tell them. Sometimes, these driving records aren’t telling a very pleasant story because a particular applicant’s record has several points due to at-fault car accidents and speeding tickets. These facts mean this applicant is a high risk.
A consideration for auto insurance companies when they are pricing Buick car insurance is if the vehicle to be insured is expensive to repair. The Buick Lucerne is considered to be an entry-level luxury automobile which means that it’s at the bottom end of all luxury cars. Hence, Buick Lucerne car insurance is cheaper than the better luxury cars.
The amount of money it will cost an auto insurance company to replace a vehicle is one big reason that people are offered less expensive policies or more costly ones. High-end luxury vehicles receive the highest quotes because they cost the most to replace; conversely, the most economical cars receive the lowest quotes. An entry-level luxury vehicle will receive Buick car insurance for moderate rates.
Because Buick cars are entry-level luxury vehicles, repairing or replacing these cars will be a little more costly than for non-luxury vehicles, but it’s not the most expensive automobile to insure. The amount that may be required to repair or replace a Buick vehicle affects the optional car insurance coverage called collision and comprehensive coverage. Make sure you take the time to compare car insurance quotes and make sure you have the proper car insurance coverage!
Collision and Comprehensive Coverage
Collision coverage pays to repair or replace the vehicle if it is ever damaged in a car collision. Comprehensive coverage pays for the repairs required or replacement when the vehicle is damaged by anything other than a car collision. The times when comprehensive coverage will apply are when it is damaged by:
The Most Stolen Vehicles Receive the Highest Rates
A vehicle will need to be replaced after it has been stolen and just like when it has been totaled, the market value will have to be paid so that the car’s owner can purchase another vehicle. Therefore, auto insurance companies will base a car owner’s rates on how likely the vehicle is to be stolen. Those that are on the top 10 list of most stolen cars for the year will definitely receive the highest quotes.
Vehicles that aren’t a major target for car thieves will present a lower risk for auto insurance companies and owners of these vehicles pay lower amounts for their premiums. Buick car insurance can be lower because these vehicles are, generally, not the object of desire for car thieves. New Buicks don’t offer thieves the opportunities to steal valuable, rare parts as the older vehicles that end up on the top ten list do.
Buick car insurance will also be decided upon how well the vehicle can prevent bodily injuries from occurring. Medical Payments coverage is the type of insurance that will pay the medical bills for the driver of the Buick as well as the passengers. A car that can help prevent serious injuries will be given lower rates because there will be fewer claims filed for bodily injuries.
Because Buick automobiles are safer cars that hold up well during collisions, they aren’t expected to result in serious injuries. This fact is encouraging for auto insurance companies, and they offer Buick car insurance for lower rates because of it.
Average Buick Car Insurance Rates
The average car insurance for Buicks has been found to be $1,400, nationally. Because of all the good qualities Buick cars have, owners of these vehicles have seen averages for their Buick car insurance at even lower rates than the national average. Buick car insurance, depending on type of vehicle and the state the car is being driven in can be found between $900 and $1,350 per year.
Be Sure to Compare Quotes
Buicks are entry-level luxury cars which means they are moderately expensive to repair or replace. At the same time, they have several reasons that auto insurance companies will give these car owners a break on their Buick car insurance rates. Buick cars are safer resulting in less severe bodily injuries. They are not likely to be stolen or to result in the most serious damage meaning the insurance companies are less likely to have to pay to replace them. In order to find the auto insurance companies that will offer the best rates for Buick car insurance, it’s advantageous for owners of these vehicles to compare quotes. Use our FREE comparison tool and compare online car insurance for FREE!