Compare 2014 Buick LaCrosse Insurance Rates

Cutting costs on insurance might be difficult for people who have little experience online insurance quotes. You have so many agents and companies to choose from that it can easily be a difficult situation to compare prices.

You should make it a habit to get comparison quotes once or twice a year due to the fact that insurance prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates for LaCrosse coverage a year ago you will most likely find a better rate quote today. There is lot of inaccurate information about insurance out there, but by reading this article, you’re going to learn some proven techniques to find affordable insurance.

Reduce insurance rates with these tips

It’s important that you understand some of the elements that aid in calculating your car insurance rates. When you understand what determines premiums, this enables informed choices that may result in big savings.

  • Stay claim-free and lower car insurance rates – If you tend to file frequent claims, you should expect either higher rates or even cancellation. Insurance companies give the best rates to insureds who do not file claims often. Insurance coverage is intended for claims that pose a financial burden.
  • Raise deductibles and save – Comp and collision deductibles define the amount you are required to spend if you file a covered claim. Physical damage coverage, also called comprehensive and collision insurance, protects your car from damage. Examples of covered claims would be a windshield broken by a bird, damage from fire, and damage from wind. The more the insured has to pay upfront, the bigger discount you will receive for LaCrosse coverage.
  • Pleasure use saves money – Driving a lot of miles in a year the more it will cost to insure it. Most companies calculate rates based on how the vehicle is used. Autos left parked in the garage can get a lower rate than those used for commuting. An improperly rated LaCrosse can cost quite a bit. Verify your car insurance coverage reflects the correct driver usage.
  • City traffic equals higher prices – Choosing to live in areas with lower population can be a good thing when trying to find low car insurance rates. Drivers who live in large cities regularly have more traffic problems and more severe claims. Less people means a lower chance of having an accident as well as less vandalism and auto theft.

Are you qualifying for every discount?

Companies that sell car insurance do not advertise every policy discount very clearly, so the next list breaks down some of the best known as well as some of the hidden discounts that may be available.

  • Professional Organizations – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on car insurance.
  • Paperwork-free – Some larger companies will give a small break for buying a policy and signing up over the internet.
  • Data Collection Discounts – People who choose to allow driving data submission to scrutinize vehicle usage remotely like Allstate’s Drivewise could possibly reduce rates as long as they are good drivers.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.
  • Student in College – College-age children who attend college more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
  • Anti-lock Brake Discount – Vehicles that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.

Remember that some credits don’t apply the the whole policy. Most only cut specific coverage prices like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, nobody gets a free ride. But any discount will help lower your premiums.

A few popular companies and the discounts they provide are shown below.

  • Geico offers discounts for driver training, five-year accident-free, anti-theft, membership and employees, military active duty, air bags, and multi-policy.
  • MetLife policyholders can earn discounts including good student, good driver, defensive driver, claim-free, and multi-policy.
  • Progressive discounts include homeowner, online quote discount, continuous coverage, multi-vehicle, and multi-policy.
  • Travelers includes discounts for hybrid/electric vehicle, driver training, save driver, good student, and payment discounts.
  • SAFECO offers discounts including drive less, bundle discounts, accident prevention training, safe driver, anti-lock brakes, and teen safe driver.
  • AAA may offer discounts for pay-in-full, good driver, AAA membership discount, education and occupation, and multi-policy.

It’s a good idea to ask every insurance company what discounts are available to you. Discounts may not apply to policyholders in your area.

When in doubt talk to an agent

When it comes to choosing coverage, there is no best way to insure your cars. Every situation is different.

For instance, these questions could help you determine whether or not you will benefit from professional help.

  • Do I have any recourse if my insurance company denies a claim?
  • Is my state a no-fault state?
  • How do I insure my teen driver?
  • Do I need more liability coverage?
  • Does insurance cover damages from a DUI accident?
  • I have health insurance so do I need medical payments coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How high should deductibles be on a 2014 Buick LaCrosse?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage information

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for liability – This provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like medical expenses, loss of income, medical services and funeral expenses. How much coverage you buy is up to you, but consider buying as large an amount as possible.

UM/UIM Coverage – This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Buick LaCrosse.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for chiropractic care, nursing services, dental work and hospital visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a deer, fire damage and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

A fool and his money are soon parted

People switch companies for any number of reasons including denial of a claim, being labeled a high risk driver, an unsatisfactory settlement offer or delays in paying claims. Regardless of your reason for switching companies, switching companies is less work than it seems.

There are still a few companies who do not offer rates over the internet regional carriers only sell through independent agents. The cheapest 2014 Buick LaCrosse insurance is possible both online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates.

When you buy insurance online, you should never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage at the best cost.

Additional information is located on the following sites:

Comments About 2014 Buick LaCrosse Insurance

  1. Lola Weiss

    Will State Farm raise rates for a rock chip claim?

  2. Tamesha Greer

    For me, 21st Century was by far the cheapest in South Burlington, VT.

  3. Kala Swanson

    All companies are crooks. From northwest of Tulsa, Oklahoma. Got car insurance quotes from AIG Insurance, Mercury, and a few others for my 2014 Buick LaCrosse and I think I am saving around $40 each month. Insured with Safeco before. God forbid I actually have a claim.

  4. Jillian Wood

    Mine is so expensive. Live in Virginia Beach, VA. Received quotes with Mercury, Erie, Progressive, and Auto-Owners for my 2014 Buick LaCrosse and saved just over $250 a year.

  5. Lavon Shannon

    I drive uninsured.

  6. Kathi Ruiz

    If you don’t have tickets and live in the vicinity of Norfolk, Virginia, check out 21st Century. They seem to be cheaper.

  7. Jodie Perkins

    It all costs too much. From a town just southwest of Nashville, Tennessee. I got free prices from Progressive, Amica, Encompass, and GMAC for my LaCrosse and saved around $160 a year. :)

  8. Lulu Jones

    Enjoyed the article. I’m from Lexington, KY. Got car insurance rates from State Farm, American Family, Farmers, and Liberty Mutual for my LaCrosse and saved just over $240 a year. Insured with MetLife before. Not sure if rates are cheaper online or not.

  9. Bill Hodge

    In Chesapeake, VA try Allstate or Progressive. Both had decent prices.

  10. Ayanna Mueller

    I got quite a few price quotes for a 2014 Buick LaCrosse in Oklahoma City, OK. Ended up at darn near $480 every six months with American Family. Insured with Progressive before.

  11. Briana Cantu

    Mine is so expensive. I’m in Grand Forks, North Dakota. Not sure of all the companies but I ended up saving about $30 each month. Get lots of quotes to find the best rate.