Save on 2014 Buick LaCrosse Car Insurance Rates

Nobody I know enjoys paying for car insurance, particularly when the cost is way too high. Because there are so many insurance providers from which to choose, it can be hard to find the right provider.

How to Compare Insurance Coverage Quotes

There are a lot of ways to shop for insurance coverage, but one way is easier and takes less work. You can waste a lot of time talking to insurance companies in your area, or you could use online quoting to quickly compare rates.

Many insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and every company returns a competitive quote determined by their information. This saves time by eliminating quote requests for each company you want a rate for.

To compare 2014 Buick LaCrosse rates using this form now click here (opens in new window).

The one downside to using this type of system is you cannot specify the providers you will receive quotes from. So if you prefer to pick from a list of companies to request quotes from, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

Whichever method you choose, make sure you use identical information with every price quote. If each company quotes differing limits you will not be able to decipher which rate is best.

Don’t pay full price with these discounts

Companies do not advertise all available discounts in a way that’s easy to find, so here is a list some of the more common and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Driver Safety – Taking a defensive driving course could save 5% or more if your company offers it.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Good Student Discount – Getting good grades can save 20 to 25%. The discount lasts up to age 25.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less on LaCrosse insurance than their less cautious counterparts.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Claim Free – Claim-free drivers pay less when compared to drivers who are more careless.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for a substantially lower rate.
  • Early Switch Discount – Some companies give discounts for signing up before your current policy expires. It’s a savings of about 10%.

Consumers should know that many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

Companies who might offer some of the above discounts include:

Check with each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in your state.

Your personal situation dictates your coverage

When buying the best insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • Which is better, split liability limits or combined limits?
  • Am I covered if I drive in a foreign country?
  • If my pet gets injured in an accident are they covered?
  • What is roadside assistance coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance policy coverages for a Buick LaCrosse

Understanding the coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as pain and suffering, loss of income, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses like funeral costs, dental work, rehabilitation expenses, hospital visits and nursing services. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage – This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Buick LaCrosse.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverages – This coverage covers damage to your LaCrosse resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverages – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.