2013 Buick LaCrosse Car Insurance Quotes – 5 Tips for Cheaper Rates

Looking for lower car insurance rates for your Buick LaCrosse? Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me, there are a lot of people just like you who feel imprisoned by their car insurance policy.

Having so many online and local companies to choose from, it is very difficult to find the lowest price insurer.

This article will help you learn how to get online quotes. If you currently have car insurance, you will be able to save some money using these techniques. Although vehicle owners can benefit from knowing how insurance companies price online insurance and apply this information to your search.

How to reduce 2013 Buick LaCrosse insurance rates

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but a few need to be specifically requested before they will apply.

  • E-sign – A few companies will give a small break simply for signing over the internet.
  • Accident Free – Drivers who don’t have accidents pay less as compared to bad drivers.
  • Good Student – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Memberships – Affiliation with certain professional organizations may earn a discount on car insurance for LaCrosse coverage.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.

Consumers should know that most credits do not apply the the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will reduce your overall premium however.

For a list of insurance companies offering car insurance discounts, click this link.

Tailor your coverage to you

When buying coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help highlight whether or not you might need professional guidance.

  • Am I missing any policy discounts?
  • When do I need to add a new car to my policy?
  • Will my rates increase for filing one claim?
  • When should I not file a claim?
  • Do I have coverage if my license is suspended?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my state a no-fault state?
  • Is my 2013 Buick LaCrosse covered for smoke damage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Don’t be fooled by advertising claims

State Farm, Allstate and Geico consistently run ads on television and other media. All the companies make an identical promise that you’ll save big if you change to their company. How can each company make the same claim? This is how they do it.

All the different companies are able to cherry pick for the type of customer that makes them money. A good example of a desirable insured could be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. A customer who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who fall outside the “perfect” profile must pay a more expensive rate and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “people who quote” save that much money. That’s the way insurance companies can advertise the savings.

This illustrates why you absolutely need to get a wide range of price quotes. Because you never know which car insurance company will fit your personal profile best.

Auto insurance 101

Having a good grasp of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Collision coverage protection

This coverage pays for damage to your LaCrosse caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Liability coverage

Liability coverage will cover damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair costs for stationary objects, funeral expenses, emergency aid and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills such as prosthetic devices, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, hail damage, theft and vandalism. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Buick LaCrosse.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Shop. Compare. Save.

We’ve covered a lot of ways to get a better price on 2013 Buick LaCrosse insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the best prices are with a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

As you prepare to switch companies, never skimp on coverage in order to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

Additional detailed information can be read at these sites: