2017 Buick LaCrosse Car Insurance Rates – 7 Tips for Best Quotes

Scraping up a payment for pricey Buick LaCrosse insurance can overdraw your savings account and require stricter spending habits. Comparing rate quotes can save money and help to make ends meet.

Having so many choices, it can be challenging to locate a lower cost insurance company.

Seven discounts to earn lower-cost car insurance rates

Car insurance is expensive, but you may qualify for discounts that many people don’t even know exist. Many discounts should be triggered at the time of purchase, but some must be asked about prior to receiving the credit.

  • Driving Data Discount – Drivers who elect to allow their insurance company to spy on vehicle usage through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.
  • Early Renewal Discounts – Select insurance companies give a discount for buying a new policy before your current policy expires. It’s a savings of about 10%.
  • Low Mileage Discounts – Keeping the miles down on your Buick may allow you to get slightly better prices than normal.
  • New Vehicle Savings – Insuring a vehicle that is new may earn a small discount because new vehicles are generally safer.
  • Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
  • ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy life insurance from them.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, you won’t be that lucky. But any discount will definitely lower your policy cost.

To view companies with discount rates, click here to view.

Auto insurance quotes comparison

When shopping for inexpensive insurance coverage quotes, there are a couple of ways to compare rate quotes from many auto insurance companies in your state. The easiest way by far to find the cheapest 2017 Buick LaCrosse insurance rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the fastest ways to get quotes is an all-inclusive rate comparison like this one (opens in new window). This style of form prevents you from having to do separate quotation requests for every company. One simple form gets you coverage quotes from multiple companies.
  2. Another way to compare prices is to manually visit the website of each company to complete a price quote. For examples sake, we’ll pretend you want to compare prices for Allstate, 21st Century and Geico. In order to compare rates, you need to visit each site to input your insurance information, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

Compare rates however you want, just double check that you are using exactly the same information on every quote. If each company quotes different deductibles you will not be able to make a fair rate comparison. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparison shopping, quoting more helps you find a better price. Some regional insurers cannot provide online price quotes, so you should also compare quotes on coverage from those companies, too.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I have newly-aquired coverage?
  • Should I have combined single limit or split liability limits?
  • Is business equipment covered while in my vehicle?
  • Am I getting all the discounts available?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my teen driver covered when they drive my company car?
  • Can I afford to buy a different vehicle if my 2017 Buick LaCrosse is totaled?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

But they said I’d save $483 a year!

Insurance companies such as Allstate, Geico and Progressive regularly use ads on TV and radio. They all seem to make the point about savings just by moving your insurance coverage to their company. How is it possible that every company can say the same thing? It’s all in the numbers.

Companies look for specific characteristics for the driver that earns them the most money. A good example of a profitable insured could be married and over the age of 30, is a homeowner, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” will get very good car insurance rates and will save if they switch.

Insureds who cannot meet these standards may be forced to pay a more expensive rate and this results in the driver buying from a lower-cost company. The ads say “drivers that switch” but not “all drivers who get quotes” save that kind of money. That is how companies can truthfully make those statements.

This really drives home the point why you need to do a quote comparison often. It’s just too difficult to predict which insurance companies will have the lowest rates for your situation.

Auto insurance coverages and their meanings

Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on the average auto insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, theft and falling objects. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair costs for stationary objects, medical expenses and attorney fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage kick in for expenses like funeral costs, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Buick LaCrosse.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance pays for damage to your LaCrosse from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, sideswiping another vehicle, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

In any little way, save everyday

More affordable auto insurance is available on the web as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not offer online price quotes and many times these smaller providers only sell coverage through independent agencies.

We’ve covered some good ideas how to lower your 2017 Buick LaCrosse insurance car insurance rates. The key concept to understand is the more you quote insurance coverage, the better your comparison will be. Drivers may discover the most savings is with some of the lesser-known companies. They can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm or Progressive.

When searching for cheap insurance coverage quotes, never buy poor coverage just to save money. In too many instances, an insured cut uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

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