2012 Buick LaCrosse Car Insurance Cost – 7 Policy Discounts

Trying to find lower auto insurance rates for your Buick LaCrosse? Overwhelmed by the number of auto insurance choices? You’re not alone. Drivers have so many choices that it can easily become a real hassle to find better rates.

It’s a great practice to compare prices periodically because insurance rates are usually higher with each renewal. Just because you had the lowest price on LaCrosse insurance on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

Cut prices on Buick LaCrosse insurance

Car insurance companies don’t always advertise every discount in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known car insurance savings.

  • Club Memberships – Being a member of a qualifying organization could trigger savings when shopping for car insurance on LaCrosse insurance.
  • Defensive Driver – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • No Claims – Drivers who don’t have accidents can save substantially as compared to bad drivers.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on LaCrosse insurance than less cautious drivers.
  • New Car Discount – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Insurance companies that possibly offer these benefits are:

Check with all companies you are considering how you can save money. All car insurance discounts may not be available in your state.

Comprehensive Insurance Comparison

There are several ways you can shop for Buick LaCrosse insurance but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day driving to agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many of the larger companies take part in a program where prospective buyers enter their policy data once, and every company then returns a price quote based on that data. This system prevents you from having to do quote forms for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

One minor caviat to using this type of system is you are unable to specify the providers to receive prices from. So if you prefer to choose from a list of companies to compare, we have a listing of low cost insurance companies in your area. Click here to view list.

Whichever method you choose, ensure you’re using the exact same quote information for every company. If you use different deductibles it’s impossible to truly determine the lowest rate. Having just a slight variation in limits can result in a big premium difference. Just keep in mind that having more price comparisons will increase your chances of finding the best price.

Tailor your coverage to you

When choosing coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Can my teen drive my company car?
  • Do I have coverage for damage caused while driving under the influence?
  • Will my insurance pay for OEM parts?
  • Are rental cars covered under my policy?
  • Is rental equipment covered for theft or damage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What if I owe more than I can insure my car for?
  • What is the ISO rating for a 2012 Buick LaCrosse?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

Specific coverages for a 2012 Buick LaCrosse

Having a good grasp of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as EMT expenses, surgery, prosthetic devices, dental work and pain medications. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision – Collision insurance will pay to fix damage to your LaCrosse from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, colliding with another moving vehicle, damaging your car on a curb, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when other motorists 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 only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, damage from getting keyed and theft. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – Liability insurance will cover damages or injuries you inflict on other’s property or people. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as legal defense fees, repair bills for other people’s vehicles, medical services and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Save your cold hard cash

As you shop your coverage around, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Cheap 2012 Buick LaCrosse insurance is possible on the web and also from your neighborhood agents, and you need to price shop both to have the best selection. Some insurance providers may not provide online quoting and these regional insurance providers work with independent agents.

Insureds switch companies for a variety of reasons including delays in responding to claim requests, not issuing a premium refund, an unsatisfactory settlement offer and lack of trust in their agent. It doesn’t matter what your reason, switching car insurance companies is less work than it seems.

More tips and info about car insurance is available at these sites: