Best Ways to Save on Honolulu Buick Lucerne Insurance

It’s hard to believe, but nearly 70% of customers have bought car insurance from the same company for over three years, and practically 40% of car insurance customers have never compared rates with other companies. American drivers can save almost $850 each year by just comparing quotes, but they don’t want to spend time to compare rates online.

Insurance rates Buick Lucerne in HonoluluThe recommended way to find better pricing on auto insurance rates in Honolulu is to compare prices regularly from companies in Hawaii. Rates can be compared by completing these steps.

One important bit of advice is to use the same coverage limits and deductibles on every quote and and to get rates from every company you can. Doing this ensures a level playing field and the best price quote selection.

If you have coverage now, you should be able to find the best rates using the ideas covered in this article. Locating the best rates in Honolulu can be much easier if you know how to start. Although Hawaii vehicle owners benefit from understanding the methods companies use to market on the web and take advantage of how the system works.

Just keep in mind that comparing more rates from different companies helps increase your odds of locating more affordable rates.

The companies shown below offer price quotes in Honolulu, HI. If the list has multiple companies, we recommend you compare several of them to get the most competitive price.

Buick Lucerne insurance rates and statistics

The table below outlines a range of insurance premium costs for Buick Lucerne models. Having a good grasp of how auto insurance prices are established can help customers make smart choices when comparing insurance rates.


Buick Lucerne Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $144 $272 $248 $14 $74 $752 $63
Lucerne CXL $144 $272 $248 $14 $74 $752 $63
Lucerne CXL Special Edition $144 $312 $248 $14 $74 $792 $66
Lucerne Super $160 $312 $248 $14 $74 $808 $67
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in vehicle location which can modify coverage rates noticeably.

Policy deductible comparison

When buying auto insurance, a common question is at what level do you set your deductibles. The premium rates below lay out how much more you’ll pay when you buy lower versus higher physical damage deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.


Buick Lucerne insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $258 $484 $264 $16 $80 $1,127 $94
Lucerne CXL $258 $484 $264 $16 $80 $1,127 $94
Lucerne CXL Special Edition $258 $558 $264 $16 $80 $1,201 $100
Lucerne Super $286 $558 $264 $16 $80 $1,229 $102
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Buick Lucerne insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lucerne CX $188 $328 $264 $16 $80 $876 $73
Lucerne CXL $188 $328 $264 $16 $80 $876 $73
Lucerne CXL Special Edition $188 $378 $264 $16 $80 $926 $77
Lucerne Super $210 $378 $264 $16 $80 $948 $79
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in specific garaging location which can modify rates considerably.

Using the data above, we can ascertain that using a $100 deductible costs about $22 more each month or $264 each year than choosing the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 18 months between claims, you would save more money if you choose the higher deductible.

The illustration below shows how choosing a deductible and can raise or lower Buick Lucerne annual premium costs for each age group. The rates are based on a single female driver, comp and collision included, and no additional discounts are factored in.

Liability only or full coverage

The illustration below illustrates the difference between Buick Lucerne auto insurance rates when comparing full coverage to liability only. The information is based on no accidents, no driving violations, $100 deductibles, drivers are single, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no definitive formula of when to exclude physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s say your Buick Lucerne book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying your policy deductible. If premiums are more than $600 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some situations where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Three reasons insurance is important

Despite the high insurance cost for a Buick Lucerne in Honolulu, insurance is required by state law in Hawaii and it also provides benefits you may not be aware of.

The benefits of buying enough insurance outweigh the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is wasting up to $865 each year so you should quote rates at least once a year to make sure the price is not too high.

How You Can Control Buick Lucerne Insurance Costs

Lots of factors are part of the calculation when quoting car insurance. Most are fairly basic like your driving record, but other criteria are less obvious such as whether you are married or how safe your car is.

Auto insurance discounts are available to get cheap rates

Companies that sell car insurance do not list all possible discounts in an easy-to-find place, so we researched some of the best known and also the more inconspicuous credits that you can use to lower your rates.Save money with discounts

Policy discounts save money, but most discounts do not apply to the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it’s just not the way it works.

The example below shows the difference between Buick Lucerne insurance rates with and without policy discounts. The costs are based on a male driver, no claims or violations, Hawaii state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, multi-car, and marriage discounts applied.

A few popular companies and some of the premium reductions they offer are included below.

When quoting, ask every company how many discounts you can get. Depending on the company, some discounts may not be available in Honolulu. To see a list of auto insurance companies with discount rates in Hawaii, click here.

You may need specialized car insurance coverage

When it comes to insurance from an agent or online, there is no best way to insure your cars. Everyone’s situation is unique.Car insurance savings

Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.

Compare rate quotes but still have a local neighborhood Honolulu car insurance agent

Certain consumers would prefer to visit with an insurance agent and that can be a great decision The best thing about comparing insurance prices online is you may find lower rates and also buy local. Supporting local insurance agents is still important in Honolulu.

Honolulu insurance agentsTo find an agent, once you fill out this short form, your insurance coverage information is instantly submitted to local insurance agents who will return price quotes for your coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies since price quotes are sent straight to your inbox. You can get cheaper insurance rates and an insurance agent to talk to. If you have a need to get a price quote for a specific company, you just need to visit that company’s website and fill out their quote form.

Pick the best car insurance agent in Honolulu for you

If you prefer to buy insurance from a reliable insurance agency, it’s important to understand the different types of agents and how they work. Agencies in Honolulu can be categorized as either independent or exclusive depending on the company they work for.

Independent Insurance Agents

Independent insurance agents are not limited to a single company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and you won’t have to switch agencies. If you need lower rates, you will want to get several quotes from several independent agencies for maximum quote selection.

Listed below is a partial list of independent insurance agents in Honolulu who may be able to give you free insurance quotes.


1350 S King St #303Honolulu, HI 96814(808) 591-5545View Map


800 Bethel St # 200Honolulu, HI 96813(808) 538-6938View Map


500 Ala Moana Blvd # 2303Honolulu, HI 96813(808) 534-7300View Map

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Exclusive Insurance Agencies

These type of agents can usually just insure with one company and examples are State Farm, Allstate, and Farm Bureau. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agencies receive a lot of sales training on what they offer which helps them compete with independent agents.

The following is a short list of exclusive insurance agents in Honolulu that are able to give rate quotes.


1284 Kalani St d108Honolulu, HI 96817(808) 845-0069View Map


1016 Kapahulu Ave #250Honolulu, HI 96816(808) 734-3265View Map


210 Ward Ave #116Honolulu, HI 96814(808) 587-6116View Map

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Picking the best insurance agency shouldn’t rely on just a low price. Any agent in Honolulu should be forthright in answering these questions:

Hawaii auto insurance company ratings

Picking the best insurance provider can be rather challenging considering how many different companies there are to choose from in Honolulu. The ranking information in the next section could help you pick which companies you want to consider comparing rates with.

Top 10 Honolulu Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Progressive
  5. GEICO
  6. Liberty Mutual
  7. Allstate
  8. The Hartford
  9. Farmers Insurance
  10. Safeco

Top 10 Honolulu Car Insurance Companies Ranked by Customer Service

  1. State Farm
  2. GEICO
  3. The Hartford
  4. Progressive
  5. Allstate
  6. American Family
  7. AAA Insurance
  8. Nationwide
  9. Liberty Mutual
  10. Farmers Insurance

Lower rates by being persistent

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. Too many times, an insured cut full coverage only to discover later that it was a big error on their part. Your aim should be to get the best coverage possible for the lowest cost while still protecting your assets.

Budget-friendly insurance in Honolulu is attainable from both online companies and also from your neighborhood Honolulu agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not offer the ability to get a quote online and most of the time these smaller providers provide coverage only through independent agencies.

Consumers who switch companies do it for a number of reasons such as delays in paying claims, questionable increases in premium, poor customer service and lack of trust in their agent. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

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