2013 Buick LaCrosse Car Insurance Rates

Searching for cheaper auto insurance rates for your Buick LaCrosse? There isn’t anyone who looks forward to paying premiums for auto insurance, particularly when the cost is way too high.

Many auto insurance companies vie to insure your vehicles, so it can be very hard to choose a provider to find the absolute lowest rate

If you have car insurance now, you stand a good chance to be able to save some money using these methods. Finding affordable coverage is not that difficult. But consumers must understand how the larger insurance companies price insurance differently and apply this information to your search.

How to compare free insurance quotes

Most larger insurance companies give price estimates from their websites. Doing online quotes is fairly simple as you just enter the coverages you want into a form. After the form is submitted, their rating system obtains your credit score and driving record and returns a price based on the data you entered. Quoting online streamlines rate comparisons, but the work required to visit different websites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible if you want to find a better rate.

The smarter way to compare rates is to use a quote form to get prices from several different companies. The form is fast, eliminates repetitive work, and makes comparison shopping much more enjoyable and efficient. After sending the form, it is rated with multiple companies and you can pick any of the quotes that you receive.

If the quotes result in lower rates, you simply finish the application and buy the policy. It only takes a few minutes and may save quite a bit of money.

If you want to find out what other companies charge, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you replicate the insurance coverages identical to your current policy. This ensures you will get rate comparison quotes for the exact same coverage.

Insurance companies offer money-saving discounts

Buying insurance is not cheap, but you may qualify for discounts to reduce the price significantly. Many discounts should be triggered when you complete an application, but occassionally some discounts must be specially asked for in order for you to get them.

• Data Collection Discounts – Insureds that choose to allow their insurance company to spy on driving habits remotely like Allstate’s Drivewise could save a few bucks if they are good drivers.
• E-sign – Some of the larger companies may give you up to $50 for completing your application over the internet.
• Defensive Driver Discounts – Taking a course teaching safe driver skills could earn you a small percentage discount and make you a better driver.
• Organization Discounts – Joining a professional or civic organization can get you a small discount on your policy.
• Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
• ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, you aren’t that lucky. But all discounts will positively reduce your overall premium however.

A list of insurance companies and some of the premium reductions they offer include:

• The Hartford policyholders can earn discounts including bundle, good student, defensive driver, anti-theft, vehicle fuel type, driver training, and air bag.
• American Family may offer discounts for air bags, early bird, good student, good driver, and Steer into Savings.
• Progressive has savings for continuous coverage, good student, online signing, homeowner, and multi-policy.
• Travelers offers discounts for multi-car, payment discounts, student away at school, good student, and home ownership.
• Farmers Insurance offers discounts including youthful driver, distant student, teen driver, switch companies, and electronic funds transfer.
• USAA has discounts for loyalty savings, new vehicle, driver training, family discount, military installation, good student, and multi-policy.
• Liberty Mutual offers premium reductions for exclusive group savings, multi-policy, hybrid vehicle, preferred payment discount, and newly married.

When comparing rates, check with every insurance company which credits you are entitled to. Some discounts may not apply to policyholders in your area. To locate insurance companies who offer cheap insurance quotes, click here.

Do I just need basic coverages?

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Every situation is different and your policy should reflect that. For instance, these questions can help discover whether you could use an agent’s help.

• What is PIP insurance?
• Is my babysitter covered when using my vehicle?
• How does medical payments coverage work?
• Will I lose any money if I cancel my policy before it expires?
• Will my insurance pay for OEM parts?
• Is my trailer covered?
• Is there coverage for injuries to my pets?
• How high should my medical payments coverage be?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

How your LaCrosse insurance prices are determined

Many factors are used in the calculation when quoting car insurance. Most are fairly basic like your driving record, but other factors are not as apparent like where you live or your vehicle rating.When buying insurance coverage it’s important to understand the factors that help determine your premiums. If you understand what influences your rates, this allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The items below are a partial list of the pieces companies use to determine your rate level.

• Rates also based on gender – Statistics have proven women are more cautious behind the wheel. However, don’t assume that females are better drivers. Males and females are responsible for fender benders at about the same rate, but the men cause more damage and cost insurance companies more money. Not only that, but men also have more aggressive citations like driving under the influence (DUI).
• High premiums for teenage drivers – Mature drivers are more responsible, are lower risk to insure and tend to be get fewer driving tickets.Teenage drivers tend to be inattentive when at the wheel of a vehicle so insurance coverage rates are higher.
• Being married brings a discount – Having a spouse can actually save you money on your policy. It means you’re less irresponsible it has been statistically shown that drivers who are married file infrequent claims.
• Too many claims and you’ll pay more – Insurance companies give the lowest premiums to policyholders who are not frequent claim filers. If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is intended for claims that pose a financial burden.
• Eliminate unneeded extra policy coverages – Insurance policies have a lot of extra bells and whistles that can waste your money if you aren’t careful. Insurance for things like rental car reimbursement, death and dismemberment, and extra equipment coverage are some examples. The coverages may be enticing initially, but your money might be better spent on other coverage so consider taking them off your policy.
• Insurance coverage policy lapses increase prices – Going without insurance is a quick way to drive up your policy premiums. Not only will rates go up, failure to provide proof of insurance may result in a revoked license or a big fine.
• Insurance coverage rates and your occupation – Jobs like doctors, business owners and financial analysts usually pay higher rates than the rest of us because of high stress levels and long work hours. Other occupations like actors, engineers and homemakers have the lowest average rates on LaCrosse coverage.
• Save money by having good credit – Having a bad credit score will be a significant factor in determining premium rates. People that have good credit tend to file fewer claims as compared to drivers with lower credit ratings. So if your credit score could use some work, you may save money insuring your 2013 Buick LaCrosse if you clean up your credit.

Coverages available on your car insurance policy

Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as hospital visits, EMT expenses, ambulance fees, prosthetic devices and chiropractic care. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as pain and suffering, emergency aid and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Auto collision coverage

Collision coverage will pay to fix damage to your LaCrosse resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, scraping a guard rail, crashing into a ditch, backing into a parked car and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, vandalism, damage from flooding, hitting a deer and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

More choices the merrier

You just learned a lot of information how to shop for 2013 Buick LaCrosse insurance online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the lowest premium rates are with an unexpected company. Some small companies may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

When searching for cheap auto insurance quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

To learn more, take a look at the following helpful articles:

• Collision Insurance Coverage (Nationwide)
• Airbag FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)