Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Insurance companies look at a few very specific factors such as location and driving record before providing a quote
  • Safety ratings greatly impact the insurance rates of vehicles
  • Consider liability, comprehensive and collision, and underinsured/uninsured coverage for your Buick Lucerne
  • Make several quote comparisons before committing to one company

The average rate for a 12-month insurance policy on a 2011 Buick Lucerne is $1,261. Several factors are taken into consideration for an insurance quote, including safety ratings and features, as well as the type of coverage the driver wishes to carry.

Type your ZIP code into the FREE box on this page to research Buick Lucerne car insurance costs!

An insurance company will look at different variables before providing a quote, but the three main components are as follows:

  • Vehicle
  • Driver
  • Location

Factors Considered for Car Insurance Quotes

In terms of the vehicle, insurance companies look at the available historical data of the car. The Buick Lucerne has been around for a good period of time and has a significant amount of data about it available.

The most important data sets for insurance companies are replacement and repair costs as well as safety features and ratings. These will all weigh into the risk calculation and produce a part of the larger insurance rate picture.

In terms of the driver, insurance companies like to see clean driving records and will even offer discounts rewarding good driving behavior. On the other side, drivers can see an increase in insurance rates for up to five years after receiving a ticket.

More and more insurance companies are also using a driver’s credit score to make an evaluation of the risk they will be assuming by insuring the driver.

In general, the higher the score, the lower the risk. To examine your credit and get a free copy of your report, visit Annual Credit Report. Insurance companies will look at a driver’s age, gender, and marital status as well.

In terms of the location, insurance companies consider that some locations have higher incidents of theft or are more congested than others.

Both of these types of locations would cost more to insure than a place that has a very low incidence of theft and less traffic because the probability of vandalism, theft, and accidents is higher.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Safety Ratings Impact on Car Insurance Rates

The safety ratings of the Buick Lucerne have a great deal to do with how much the car will cost to insure. In general, the higher the safety rating of the vehicle, the lower the rates will be.

Unfortunately, the Buick Lucerne fairs only marginally well in government safety ratings. It did receive a 5 Star Safety rating in frontal crash and the rollover assessment; however, it received only two stars in the side crash test, for an overall rating of four stars.

Furthermore, the Insurance Institute for Highway Safety (IIHS) only gave the Lucerne a marginal rating for rear crash protection and acceptable for side impact. On a positive note, it did receive the highest rating in its frontal crash test.

The Buick Lucerne does present standard safety features that will positively impact insurance rates.

It offers daytime running lamps as well as a side blind zone alert system and an optional lane departure warning system. These all decrease the probability of an accident, therefore lowering the risk the insurer will be taking.

Recommended Car Insurance for the Buick Lucerne

The best way to determine adequate insurance coverage is to first determine your needs. It is better to seek out a policy that will include everything you need than to base the decision off a monthly payment.

Insurance companies will provide you with a wide range of quotes, so it is best to first determine what you need, then to find a company that will provide you with that coverage for a payment that is acceptable to your budget.

There are three main types of coverage you may want to consider for the Buick Lucerne. These can provide coverage for yourself and your vehicle, as well as others and their vehicles, depending on which you choose.

  • Liability – Liability coverage will only pay for damages to others for an incident in which you are found to be at fault. There are two types of liability coverage: bodily injury and property damage. This coverage will protect you in the event that you are sued by the injured party, but it will not cover you personally, or your vehicle.
  • Collision and Comprehensive – The second type of coverage insures your vehicle itself. This is termed collision and comprehensive insurance. Collision coverage pays for damage to your car and is required by a majority of lenders should you choose to finance your Buick Lucerne. Comprehensive, on the other hand, will cover damage to your vehicle for a reason other than collision, such as theft or damage caused by a natural disaster.
  • Uninsured/Underinsured – The third type of coverage protects you against uninsured or underinsured motorists. This type of coverage pays for either bodily injury, property damage, or both, depending on the coverage you select.

For a FREE comparison of car insurance quotes enter your ZIP code in the box below now!