Buick LaCrosse Insurance Quotes in Orlando

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A recent insurance study revealed that a large majority of insurance policyholders in Florida have remained with the same insurance company for over three years, and just short of a majority have never quoted insurance rates at all. American consumers could save an average of almost 46.5% each year, but most just don't grasp the big savings they would realize if they moved their coverage to a different company.

Insurance for Buick LaCrosseThe most effective way to get discount car insurance rates is to regularly compare prices from providers in Orlando. Rates can be compared by following these guidelines.

  • Step 1: Get a basic knowledge of policy coverages and the factors you can control to lower rates. Many risk factors that are responsible for high rates like accidents, traffic violations, and a negative credit rating can be eliminated by improving your driving habits or financial responsibility.
  • Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple insurance companies. View rates
  • Step 3: Compare the price quotes to your existing rates to see if a cheaper rate is available in Orlando. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.
  • Step 4: Give proper notification to your current agent or company of your intention to cancel your current policy and submit a down payment along with a completed application for your new policy. Don't forget to place the new certificate of insurance somewhere easily accessible.

A tip to remember is to make sure you enter identical coverage information on every quote and to quote with as many car insurance companies as possible. Doing this guarantees an apples-to-apples comparison and a complete price analysis.

Cutting your Orlando insurance rates is not a difficult process. Just spend a few minutes on the computer comparing free Orlando auto insurance quotes to discover which company has the cheapest Buick LaCrosse rate quotes.

Comparing free quotes online is easy and it, replaces the need to waste gas driving to different Orlando agent offices. Shopping for insurance online eliminates this option unless you have a need for the extra assistance that only an agent can give. You can, however, price shop online but have a local agent actually write the policy.

The companies shown below have been selected to offer free rate quotes in Florida. To find cheaper car insurance in FL, we recommend you visit two to three different companies in order to get a fair rate comparison.

Analysis of Buick LaCrosse rates

The premium table shown below covers detailed analysis of policy rates for Buick LaCrosse models. Learning as much as possible about how car insurance prices are calculated is important for you to make decisions on which coverage to buy.

Buick LaCrosse Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $328 $538 $478 $28 $144 $1,516 $126
Lacrosse CXL $328 $634 $478 $28 $144 $1,612 $134
Lacrosse CXL AWD $328 $634 $478 $28 $144 $1,612 $134
Lacrosse CXS $366 $634 $478 $28 $144 $1,650 $138
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Estimates do not factor in vehicle garaging location which can change prices noticeably.

Can higher deductibles save money?

A question often asked by Orlando drivers is which deductibles should you choose. The comparison tables below lay out the premium difference when you select higher and lower deductibles. The first data table uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Buick LaCrosse insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $364 $544 $354 $20 $106 $1,413 $118
Lacrosse CXL $364 $640 $354 $20 $106 $1,509 $126
Lacrosse CXL AWD $364 $640 $354 $20 $106 $1,509 $126
Lacrosse CXS $406 $640 $354 $20 $106 $1,551 $129
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Buick LaCrosse insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $224 $342 $354 $20 $106 $1,046 $87
Lacrosse CXL $224 $402 $354 $20 $106 $1,106 $92
Lacrosse CXL AWD $224 $402 $354 $20 $106 $1,106 $92
Lacrosse CXS $250 $402 $354 $20 $106 $1,132 $94
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Information does not factor in vehicle location which can affect coverage prices significantly.

Based on this data, using a $250 deductible costs about $34 more each month or $408 for a full year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 22 months between claims, you would probably be better off if you elect the higher deductible. Here is the way you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $125
Average monthly premium for $1,000 deductibles (subtract): - $91
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

An important sidenote is that a higher deductible means you pay more out-of-pocket when you have a comprehensive or collision claim. You need to have some funds available in order to pay the deductible.

The diagram below shows how different deductible levels and can influence Buick LaCrosse insurance prices for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Irresponsible driving raises your rates

The illustration below illustrates how speeding tickets and at-fault accidents can raise Buick LaCrosse premium costs for each different age category. Data assumes a married male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

Should you buy full coverage?

The example below compares Buick LaCrosse premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims or driving citations, $100 deductibles, drivers are not married, and no discounts are applied.

Deciding between full coverage and liability only

There is no definitive formula of when to drop full coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's assume your Buick LaCrosse settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying your policy deductible. If you are paying more than $200 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some cases where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Three reasons insurance is important

Despite the potentially high cost of Buick LaCrosse insurance, insurance serves an important purpose.

  • Almost all states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability insurance in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a lien on your Buick, most lenders will force you to have physical damage coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may buy a policy for your Buick for a much higher rate and make you pay the higher premium.
  • Insurance preserves both your vehicle and your assets. It will also provide coverage for medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of having insurance greatly outweigh the cost, especially with large liability claims. The average driver in America overpays as much as $869 every year so compare quotes from several companies once a year at a minimum to save money.

How to Lower Your Insurance Costs

The best way to find cheaper insurance is to take a look at some of the factors that help calculate the price you pay for insurance. If you have a feel for what determines premiums, this enables you to make decisions that could help you find lower premium levels. Lots of things are part of the calculation when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, although some other factors are less obvious like your vehicle usage or how safe your car is.

Rates impacted by your city - Living in areas with lower population is a good thing when talking about insurance. City drivers have to deal with congested traffic and higher rates of accident claims. Fewer people corresponds to lower accident rates.

Performance impacts insurance rates - The performance level of the car, truck or SUV you are trying to find cheaper insurance for makes a significant difference in your premium level. The lowest rates tend to be for economy passenger models, but many other things help determine your insurance rates.

The chart below assumes a married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It shows Buick LaCrosse policy rates compared to other makes and models that have different performance rating factors.

Bundle policies and save - The majority of insurers apply discounts to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it's always a smart idea to get quotes from other companies to help guarantee you have the best rates. You may still save even more than the discount even if you insure with multiple companies

Credit score impacts premium rates - Credit score factor in determining premium rates. People with very high credit ratings tend to file fewer claims than drivers with bad credit. Therefore, if your credit can be improved, you could potentially save money when insuring your Buick LaCrosse by improving your rating.

Is car insurance cheaper for males or females? - Statistics demonstrate that females take fewer risks when driving. It does not mean women are BETTER drivers than men. Women and men have auto accidents at a similar rate, but men get into accidents with more damage. Men also statistically get cited for more serious violations like driving under the influence (DUI). Males from age 16 to 21 are the most expensive to insure and thus pay the highest rates.

The illustration below shows the difference between Buick LaCrosse insurance premiums for male and female drivers. The prices are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Buick LaCrosse claim data - Insurers take into consideration insurance loss statistics for every vehicle to calculate a rate that will offset any claims. Models that have higher prevalence or dollar amount of losses will have higher rates. The table shown below demonstrates the insurance loss data for Buick LaCrosse vehicles.

For each coverage type, the statistical loss for all vehicles, regardless of make or model, equals 100. Values below 100 suggest a better than average loss history, while values over 100 indicate more frequent losses or a tendency for claims to be larger.

Buick LaCrosse Insurance Claim Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Buick LaCrosse 2WD 96 85 93 100 109 92
Buick LaCrosse 4WD 101 92 113
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When should I discuss my situation with an agent?

Keep in mind that when it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Your needs are unique to you and your policy should reflect that.Auto insurance savings These are some specific questions can help discover if your situation could use an agent's help.

  • Do I need PIP (personal injury protection) coverage in Florida?
  • How much liability do I need to cover my assets?
  • Is a blown tire covered by insurance?
  • When do I need to add a new car to my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • When should I have rental car coverage?
  • Should I get collision insurance on every vehicle?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Best car insurance in Orlando

Choosing the right car insurance provider can be challenging considering how many companies there are in Florida. The company rank data listed below could help you choose which auto insurance companies you want to consider when shopping your coverage around.

Top 10 Orlando Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Compare but don't skimp

As you shop your coverage around, it's a bad idea to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Budget-conscious Buick LaCrosse insurance is definitely available from both online companies and with local Orlando insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and many times these small, regional companies work with independent insurance agencies.

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