View 2016 Buick LaCrosse Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 18, 2024

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No car owner anticipates paying for insurance, in particular when they could lower their rates if they shopped around.

There is such a variety of auto insurance companies to purchase coverage from, and even though it’s nice to have a choice, it makes it harder to compare rates.

How to compare auto insurance quotes

To get cheap car insurance quotes, there a variety of ways to get quotes from lots of auto insurance companies. The best method to find the cheapest 2016 Buick LaCrosse insurance rates consists of shopping online. It’s really quite simple and can be done using a couple different methods.

One of the fastest ways to get the best comparison quotes is an all-inclusive rate comparison. This easy form keeps you from doing repetitive form submissions for each company you want a rate for. Filling out one form gets insurance cost estimates direct from many companies.

A different way to shop for auto insurance online is to take the time to go to the website for every company you want to compare and get a separate price quote. For instance, let’s say you want to compare prices for GEICO, Esurance and Travelers. To do that, you would have to spend time going to each site individually to enter the same coverage data repeatedly, which explains why we recommend starting with the first method.

The old school method to get price estimates is to spend time driving to local insurance agencies. Comparing online rate quotes eliminates the middleman unless you have a complicated situation and need the peace of mind that you can only get from talking to an agent. It is possible to comparison shop your insurance online but buy the policy through an agent.

How you compare quotes is your choice, just do your best to use the same information on every quote. If you are comparing different deductibles then you won’t be able to truly determine the lowest rate. Just slight variations in insurance coverages or limits may cause a big price difference. Just keep in mind that quoting more increases the change that you will find the best price.

Drivers save money with these discounts

Companies don’t list all their discounts very clearly, so the next list breaks down a few of the more common and the harder-to-find credits available to you.

  • Payment Discounts – By making one initial payment rather than paying in monthly installments you may reduce your total bill.
  • Low Miles Discount – Maintaining low annual mileage may allow you to get slightly better car insurance rates than normal.
  • Active Service Discounts – Having a deployed family member can result in better rates.
  • New Car Discount – Buying car insurance coverage on a new vehicle can get you a discount since new model year vehicles have better safety ratings.
  • Claim-Free Discount – Drivers who stay claim-free can earn big discounts compared to drivers with a long claim history.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to use a seat belt could cut 10% or more off the medical payments premium.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents so you can save 10 percent or more.
  • Renewal Discounts – Select insurance companies give a discount for signing up before your current coverage expires. It can save you around 10%.
  • Telematics Data – Drivers who agree to allow data collection to scrutinize driving patterns by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they have good driving habits.

Discounts lower rates, but many deductions do not apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky.

To see insurance companies who offer free car insurance quotes, enter your zip code here.

Special considerations

When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether or not you will benefit from professional help.

  • Am I getting all the discounts available?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered by my spouse’s policy after a separation?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving on a suspended license?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How much liability coverage do I need in my state?
  • Can my teen drive my company car?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Auto insurance coverages

Understanding the coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Liability coverages – This coverage will cover damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like repair bills for other people’s vehicles, structural damage and attorney fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

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 very important.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, a broken windshield and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision coverage pays for damage to your LaCrosse from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, crashing into a ditch and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for bills for dental work, X-ray expenses, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

More comparisons equals lower rates

Throughout this article, we presented a lot of techniques to shop for 2016 Buick LaCrosse insurance online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from a small local company. Smaller companies may only write in your state and offer lower prices than the large multi-state companies such as Allstate, GEICO and Progressive.

Cheaper car insurance is available both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some companies do not provide internet price quotes and most of the time these smaller companies prefer to sell through independent agents.

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