How Much Does 2010 Buick LaCrosse Car Insurance Cost?

One thing to note about discounts is that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride.

To see a list of companies who offer cheap car insurance quotes, follow this link.

Your insurance coverage coverage should be tailored to you

When choosing coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions may help highlight if you would benefit from professional advice.

• How much liability insurance is required?
• What are the financial responsibility laws in my state?
• At what point should I drop full coverage?
• Will my rates increase for filing one claim?
• Does my insurance cover my expensive audio equipment?
• When does my teenage driver need to be added to my policy?
• Do I have coverage when pulling a U-Haul trailer?
• Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Don’t listen to company ads

Allstate, Geico and Progressive consistently run ads on TV and radio. They all make an identical promise about savings if you change your coverage. That’s great but how can every company give you a lower rate? This is how they do it.

Insurance companies offer their best rates for the type of driver that is profitable for them. For instance, a driver they prefer might be described as between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Any person who matches those parameters gets the lowest car insurance rates and as a result will probably save a lot if they switch.

Insureds who do not meet this stringent profile will have to pay higher premiums with the end result being business going elsewhere. The trick is to say “drivers who switch” not “all people who quote” save that much when switching. This is how companies can truthfully make claims that they all have the best prices. This emphasizes why it’s extremely important to compare free insurance quotes often. Because without a comparison, you cannot know with any certainty which company will be your best fit.

Insurance specifics

Knowing the specifics of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses for nursing services, pain medications, chiropractic care, prosthetic devices and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Buick LaCrosse.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, damage from a tornado or hurricane, theft and vandalism. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

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

Collision coverage pays for things like colliding with a tree, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverages

This coverage can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as repair costs for stationary objects, medical expenses, pain and suffering and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Take this to the bank

Insureds change insurance companies for any number of reasons including policy cancellation, delays in paying claims, high rates after DUI convictions or policy non-renewal. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.

We just presented quite a bit of information on how to save on 2010 Buick LaCrosse insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates are with some of the lesser-known companies.

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. In too many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Other learning opportunities

• Rental Car Insurance Tips (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)