Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 28, 2020

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Key takeaways...

  • Safety features of Buick vehicles make them some of the least expensive cars to insure today
  • Research two or three different insurance companies and inquire about possible discounts
  • Safety features, a clean driving record, and even where you live can save hundreds on your Buick premiums

The size and safety features of Buick vehicles make them some of the least expensive cars to insure today. Some of Buick’s most popular models are the Regal, Lucerne, Lacrosse and Enclave.

There are so many insurance companies offering vehicle insurance that a person can get overwhelmed by the whole process. It is best to shop around and compare prices and coverage with several companies before making a decision.

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Finding the Right Insurance Coverage

When researching insurance companies and premium rates, it is important to know what the different types of coverage are and what is legally needed for different states to avoid paying for unnecessary coverage.

When looking for Buick car insurance, a person should:

  • Research the coverage, premium and deductible for his or her budget
  • Research the discounts that may be available to them
  • Get estimates from a number of companies to compare

Common car insurance discounts many companies offer to their customers are:

  • Safe Driver Discount
  • Student Discount
  • Good Student Discount
  • Multiple Policies Discounts

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Using Insurance Brokers

A person who isn’t comfortable looking for Buick car insurance online himself or herself could consider using an insurance broker to help them find the coverage best suited for them.

Experts suggest using both the internet and insurance brokers is the best way to find the right coverage.

Insurance brokers can find low car insurance rates for people or better coverage for their budget because they know where to look.

Searching for Insurance on Your Own

You should research insurance coverage and premiums by writing down the names of several insurance companies that they are interested in, then check these companies out with the Better Business Bureau in the area where they live.

This will narrow down the list so that there won’t be as many companies to sort through.

— Buick Regal

Discounts offered for Buick Regals include:

  • Saving up to 30 percent if it has airbags and motorized seat belts
  • Up to a 10 percent discount if it has anti-lock brakes
  • Up to a 10 percent discount if it has an anti-theft device

— Buick Lucerne

The Buick Lucerne has very high safety ratings.  This means that it would have lower insurance costs than other models in the same class.

— Buick Lacrosse

The Buick Lacrosse has several safety features that can lower a person’s Buick car insurance rates including:

  • Ultrasonic rear parking assist to let drivers see up to eight feet behind them when backing up
  • On-Star Automatic Crash Response if there is ever an accident
  • Head-Up display reflecting instruments on the windshield so drivers don’t have to take their eyes off the road
  • Advanced airbags
  • Side blind zone alert
  • Stabilitrak to help drivers keep control of the vehicle
  • Anti-theft system
  • Child safety restraints in rear seats
  • Fog lights
  • Tire pressure monitor
  • Child safety locks on rear doors
  • Traction control system

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Other optional Lacrosse features to lower insurance rates include:

  • Auto-dimming rearview mirror to help with glare of other lights
  • Rearview Camera
  • Wheel Locks

— Buick Enclave

The Buick Enclave has also been highly rated for safety by the Insurance Institute of Highway Safety.

In 2009, it was deemed the best SUV/CUV with three rows of seating by a website promoting the safety and comfort of mothers and children.

Three ways for a Buick luxury vehicle owner to lower his or her insurance costs include:

  • Joining an association such as the American Automobile Association (AAA) or the AARP
  • Getting an agreed value policy
  • Using the vehicles only on a limited basis such as for show cars

Full Collision Coverage

If a person decides to purchase full collision car insurance coverage, his or her insurance company would want to know what the market value of the car would be in case it had to be replaced at a later date.

Some companies use sources like the Kelley Blue Book to determine market value.

Other insurance companies use their own formulas to determine market value. Another factor insurance companies take into consideration is the cost of repairs if the car is damaged.

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Good Driver Discount

A person with a good driving record is eligible for good driving discounts on Buick car insurance.

If he or she hasn’t been involved in any accidents, received any traffic tickets, or they aren’t a new driver, an insurance company will feel that they aren’t a big risk as far as insurance claims.

With all these discounts and car insurance companies, there is no reason why anyone shouldn’t be saving money on Buick car insurance.

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