2013 Buick LaCrosse Car Insurance Quotes – 7 Tips to Save

Feel like you’re a prisoner to an overpriced insurance coverage policy? Don’t feel bad because there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

You have multiple auto insurance companies to insure vehicles with, and although it’s a good thing to have a selection, lots of choices makes it harder to compare company pricing.

Discounts can really help save money

Insuring your fleet can be pricey, but there’s a good chance there are discounts to cut the cost considerably. Some of these disounts will be visible at the time of purchase, but some may not be applied and must be manually applied in order for you to get them. If you don’t get every credit you qualify for, you could be getting lower rates.

• Sign Early and Save – Some larger companies reward drivers for switching companies before your current expiration date. The savings is around 10%.
• Accident-Free Discounts – Drivers who stay claim-free get the best auto insurance rates when compared with drivers who are more careless.
• Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies may permit one accident before raising your premiums as long as you don’t have any claims for a specific time period.
• Savings for New Vehicles – Buying coverage on a new vehicle can get you a discount since new model year vehicles are generally safer.
• Military Deployment Discount – Being deployed in the military could mean lower prices.
• Multiple Vehicles – Buying insurance for multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
• Discount for Multiple Policies – If you combine your homeowners and auto policies with one insurance company you could earn a discount of up to 20% and get you cheap insurance coverage.

A quick disclaimer, most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.

A list of auto insurance companies and a partial list of their discounts are outlined below.

• State Farm offers discounts including student away at school, Drive Safe & Save, Steer Clear safe driver discount, multiple policy, defensive driving training, and driver’s education.
• Progressive offers premium reductions for online signing, online quote discount, multi-vehicle, homeowner, multi-policy, and good student.
• Progressive has savings for continuous coverage, multi-policy, good student, online signing, and homeowner.
• MetLife may have discounts that include claim-free, multi-policy, good student, defensive driver, and good driver.
• Farm Bureau may offer discounts for driver training, safe driver, multi-vehicle, good student, youthful driver, and 55 and retired.
• Geico policyholders can earn discounts including anti-lock brakes, defensive driver, five-year accident-free, military active duty, driver training, emergency military deployment, and air bags.
• SAFECO includes discounts for drive less, accident prevention training, anti-theft, safe driver, and teen safety rewards.

Before buying, ask each insurance company the best way to save money. Some discounts listed above may not apply to policyholders in every state. To see companies that provide some of the discounts listed above, click this link.

The most recommended method to get policy rate comparisons is to realize most of the bigger providers provide online access to give you rate quotes. To get started, all you need to do is provide a little information such as your general credit rating, level of coverage desired, how many miles driven, and driver ages. The data is then submitted to insurance carriers in your area and they provide comparison quotes with very little delay.

To check 2013 Buick LaCrosse insurance prices now, click here and enter your zip code.

Will just any policy work for me?

When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you would benefit from an agent’s advice.

• Will filing a claim cost me more?
• If my 2013 Buick LaCrosse is totaled, can I afford another vehicle?
• Do I need more liability coverage?
• Can I afford low physical damage deductibles?
• Can I afford to pay high deductible claims out of pocket?
• At what point should I drop full coverage?
• Is a blown tire covered by insurance?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Auto insurance coverages explained

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average auto insurance policy.

Liability coverages

This will cover injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair costs for stationary objects, emergency aid, medical services and court costs. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, rock chips in glass and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This pays for damage to your LaCrosse resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for things like hospital visits, nursing services, prosthetic devices and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 2013 Buick LaCrosse.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these limits do not exceed the liability coverage limits.

Summing up your car insurance search

You just read many ways to get a better price on 2013 Buick LaCrosse insurance. The key thing to remember is the more companies you get prices for, the better likelihood of getting cheap insurance coverage. Consumers may even find the biggest savings come from a small mutual company. Regional companies may have significantly lower prices on certain market segments compared to the large companies like Allstate and Progressive.

When trying to cut insurance costs, do not skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at the best price while still protecting your assets.

Lower-priced 2013 Buick LaCrosse insurance can be purchased both online and from local insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide internet price quotes and many times these smaller companies sell through independent insurance agencies.

More resources

• Cellphones, Texting and Driving (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Things to Know Before you Cancel Insurance (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Insitute)