Finding low-cost insurance on the internet can seem to be intimidating for consumers not familiar with price shopping online. With dozens of insurers to choose from, how can consumers effectively compare every one to find the lowest price available?
It is always a good idea to check insurance prices quite often because rates are rarely the same from one policy term to another. Even if you think you had the best rates for LaCrosse insurance a couple years back you will most likely find a better rate today. Block out anything you think you know about insurance because you’re about to find out the right way to eliminate unnecessary coverages and save money.
Performing a rate comparison can be a daunting task if you don’t know the easiest way. You could spend your day discussing policy coverages with insurance companies in your area, or you could use online quotes to achieve your goal.
Most of the best insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and at least one company can give them a price based on that information. This saves time by eliminating repetitive form submissions for every insurance company.
To use this form to compare 2013 Buick LaCrosse insurance rates click here (opens in new window).
The only downside to using this type of system is you can’t choose the providers you want to price. If you would rather choose from a list of companies to compare, we have a listing of insurance companies in your area. Click here for list of insurance companies.
It’s your choice how you get your quotes, but be sure to compare apples-to-apples information for every company. If each company quotes differing limits it’s not possible to make an equal comparison. Slightly different coverage limits may result in large price differences. Just remember that quoting more will enable you to find the best price.
Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so we break down some of the more common and the more hidden savings tricks you should be using.
A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, companies don’t profit that way.
For a list of insurers who offer car insurance discounts, click this link.
When it comes to choosing the best insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.
For instance, these questions might help in determining if your situation would benefit from an agent’s advice.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.
Knowing the specifics of insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2013 Buick LaCrosse.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for bills like ambulance fees, surgery and X-ray expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They 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 only offered in select states and gives slightly broader coverage than med pay
Collision – Collision insurance pays for damage to your LaCrosse resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as backing into a parked car, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.
Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as hail damage, damage from flooding, rock chips in glass and theft. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Coverage for liability – Liability coverage provides protection from injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims such as repair bills for other people’s vehicles, bail bonds, medical services and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.
Drivers change insurance companies for a variety of reasons including lack of trust in their agent, not issuing a premium refund, high rates after DUI convictions or even questionable increases in premium. It doesn’t matter what your reason, switching companies can be pretty painless.
As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are many occasions where someone dropped liability coverage limits only to find out that it was a big error on their part. Your goal should be to find the BEST coverage for the lowest price while not skimping on critical coverages.
Cheap 2013 Buick LaCrosse insurance is possible both online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and these smaller companies work with independent agents.