Buick LaCrosse Insurance Rates in Mesa

The preferred way to get affordable Buick LaCrosse insurance is to compare prices regularly from insurance carriers who can sell car insurance in Mesa. Price quotes can be compared by following these steps.

1. Gain an understanding of the coverage provided by your policy and the steps you can take to lower rates. Many rating factors that cause high rates such as traffic violations, accidents, and a low credit score can be eliminated by making small lifestyle or driving habit changes. This article gives more ideas to find cheap prices and find more discounts that you may not know about.
2. Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can give you price quotes for many different companies.
3. Compare the new rate quotes to your existing policy and determine if cheaper LaCrosse coverage is available. If you can save money, make sure there is no lapse in coverage.
4. Provide notification to your current company of your intent to cancel your existing policy and submit a down payment along with a signed application to the new company. Make sure you keep the new certificate verifying proof of insurance somewhere easily accessible.

The most important part of shopping around is that you’ll want to make sure you compare identical coverages on every quote request and and to get rates from as many carriers as you can. Doing this helps ensure a fair price comparison and a good representation of prices.

Anyone knows that auto insurance companies don’t want you comparing rates. Insureds who shop around annually will presumably buy a different policy because of the high probability of finding coverage at a more affordable price. Remarkably, a study showed that consumers who shopped around annually saved over $860 a year compared to other drivers who never compared rates.

If finding low prices for auto insurance is your ultimate goal, then having some knowledge of how to quote and compare insurance premiums can help you succeed in finding affordable rates.

The following companies can provide free quotes in Arizona. If your goal is to find cheap auto insurance in Arizona, we suggest you visit several of them to get a more complete price comparison.

Buick LaCrosse coverage statistics

The coverage information below highlights detailed analysis of coverage prices for Buick LaCrosse models. Having a better idea how insurance policy premiums are formulated is important for drivers to make informed decisions.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in specific zip code location which can impact insurance rates considerably.

Physical damage deductible comparison

One frequently asked question is how high or low should comp and collision deductibles be. The following insurance rates summarize the premium difference between high and low coverage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Table data does not factor in your specific Mesa location which can impact premium rates substantially.

Based on this data, using a $250 deductible will cost in the ballpark of $13 more each month or $156 annually across all Buick LaCrosse models than buying the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 19 months between claim filings, you would more than likely save some money if you choose a higher deductible.

One thing to note is that raising deductibles means you will have to pay more when you have a physical damage claim. That will require enough disposable savings in order to pay the deductible to have repairs made.

Tickets and at-fault accidents raise rates

The chart below highlights how traffic violations and at-fault collisions can influence Buick LaCrosse auto insurance rates for each different age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The information below illustrates the comparison of Buick LaCrosse insurance costs with full coverage compared to only the Arizona minimum liability coverage. The data assumes a clean driving record, no claims, $250 deductibles, single marital status, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There is no definitive rule for phasing out physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s pretend your Buick LaCrosse book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after you pay the deductible. If you are paying more than $400 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where removing full coverage is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

How to Lower Your Insurance Prices

Many things are used when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, although some other factors are less obvious like your continuous coverage and annual miles driven.

• Insure your auto and home with one company – Some insurers allow a discount to people that buy multiple policies in the form of a multi-policy discount. Even if you already get this discount, you may still want to comparison shop to guarantee you are still saving the most.
• A good credit score can save money – Having a bad credit history can be a huge factor in calculating your premium rate. If your credit score can use some improvement, you may save money insuring your Buick LaCrosse by repairing your credit. People that have very high credit ratings tend to be more responsible than drivers who have worse credit.
• Liability coverage – Liability coverage will provide protection in the event that a court rules you are at fault for damages caused by your negligence. Your liability coverage provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap compared to comp and collision, so buy as much as you can afford.

• Insurance costs are higher for high performance vehicles – The type of vehicle you own makes a big difference in your premium level. The lowest rates are for the lowest performance passenger cars, but there are many factors that impact the final cost.

  The data below assumes a married male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It shows Buick LaCrosse policy rates compared to other makes and models that have different performance risks.

• Buy a safe car and pay less – Safer cars tend to have better insurance rates. The safest vehicles reduce occupant injuries and fewer serious injuries means your insurance company pays less and thus lower rates. If your Buick LaCrosse is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.

• Women tend to cost less – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that females are better at driving than males. Both sexes are responsible for fender benders in similar percentages, but the male of the species cause more damage. In addition to higher claims, males also get ticketed for serious violations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident so they pay the highest premiums.

  The example below shows the difference between Buick LaCrosse car insurance costs for male and female drivers. The data assumes no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

• Buick LaCrosse insurance loss probability – Car insurance companies analyze past claim statistics to calculate a rate that will offset any claims. Models that the data shows to have higher prevalence or dollar amount of losses will cost more for coverage. The data below shows the compiled insurance loss statistics for Buick LaCrosse vehicles.

  For each coverage type, the statistical loss for all vehicles, as a total average, is equal to 100. Percentage numbers below 100 indicate better than average losses, while percentage numbers above 100 indicate more frequent losses or statistically larger claims.

  
  

  Buick LaCrosse Insurance Claim Statistics

  Vehicle 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

Choosing LaCrosse insurance is an important decision

Despite the high cost of buying insurance for a Buick LaCrosse in Mesa, insuring your vehicle may be mandatory for several reasons.

• The majority of states have minimum liability requirements which means you are required to buy a specific level of liability insurance if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your vehicle with a loan, almost all lenders will make it mandatory that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Buick for a lot more money and force you to pay for the much more expensive policy.
• Insurance protects both your Buick and your personal assets. It will also provide coverage for many types of medical costs that are the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to repair the damage.

The benefits of carrying enough insurance definitely exceed the price paid, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $810 a year so compare quotes from several companies every year to save money.

Auto insurance company ratings

Choosing the right insurance company can be rather challenging considering how many choices you have in Mesa. The ranking data below may help you choose which car insurance providers you want to consider purchasing from.