Cheap Rate Quotes for Buick LaCrosse Insurance in Irvine

Insurance rates Buick LaCrosse in IrvineThe best way we recommend to find affordable Buick LaCrosse insurance is to regularly compare price quotes from insurers who provide auto insurance in Irvine. This can be done by completing these steps.

First, read and learn about individual coverages and the modifications you can make to prevent rate increases. Many risk factors that increase rates such as traffic citations, accidents, and a less-than-favorable credit history can be rectified by making minor changes to your lifestyle. This article gives ideas to help find cheaper rates and get discounts that may be overlooked.

Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO or State Farm, while agents who are independent can quote rates for a wide range of companies.

Third, compare the new rates to your current policy premium and determine if there is any savings. If you can save money and switch companies, ensure there is no coverage lapse between policies.

A valuable tip to remember is to try to use the same liability limits and deductibles on every price quote and and to look at all possible companies. This helps ensure an accurate price comparison and and a good selection of different prices.

Statistics show that a large majority of consumers have remained with the same auto insurance company for a minimum of four years, and approximately 38% of consumers have never compared rates from other carriers. The average driver in California could save themselves about 35% a year by just comparing rate quotes, but most tend to underestimate the actual amount they would save if they just switched companies.

Free Irvine Buick LaCrosse insurance price quotes

All major insurance companies like Allstate, GEICO and Progressive allow you to get price estimates on their websites. Doing online price comparisons for Buick LaCrosse insurance in Irvine is pretty painless because you just enter your personal and coverage information into the form. When complete, the system obtains your credit score and driving record and gives you a price quote determined by many factors.

This makes it easy to compare insurance prices and it’s necessary to have as many quotes as possible if you want to get cheap insurance pricing.

To quickly find out if lower rates are available, compare rates from the companies below. If you have your current policy handy, we recommend you input your coverages as close as possible to your current policy. This guarantees you will get an apples-to-apples comparison for similar coverage.

The auto insurance companies shown below offer price quotes in Irvine, CA. To get the best auto insurance in Irvine, CA, we recommend you click on several of them to get the most competitive price.

Buick LaCrosse insurance statistics and information

The information shown below outlines estimates of insurance policy prices for Buick LaCrosse models. Learning how prices are calculated can help you make decisions on the best policy to buy.

Buick LaCrosse Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $300 $490 $360 $22 $108 $1,280 $107
Lacrosse CXL $300 $576 $360 $22 $108 $1,366 $114
Lacrosse CXL AWD $300 $576 $360 $22 $108 $1,366 $114
Lacrosse CXS $334 $576 $360 $22 $108 $1,400 $117
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can affect price quotes considerably.

Auto insurance deductibles

One of the hardest decisions when shopping for auto insurance is how high should the physical damage deductibles be. The figures shown below may help to illustrate the rate difference of buying low and high comp and collision deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Buick LaCrosse insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $430 $686 $376 $22 $112 $1,651 $138
Lacrosse CXL $430 $810 $376 $22 $112 $1,775 $148
Lacrosse CXL AWD $430 $810 $376 $22 $112 $1,775 $148
Lacrosse CXS $478 $810 $376 $22 $112 $1,823 $152
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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 $238 $362 $376 $22 $112 $1,110 $93
Lacrosse CXL $238 $426 $376 $22 $112 $1,174 $98
Lacrosse CXL AWD $238 $426 $376 $22 $112 $1,174 $98
Lacrosse CXS $266 $426 $376 $22 $112 $1,202 $100
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in specific zip code location which can modify premiums noticeably.

Based on the above data, using a $100 deductible will cost you roughly $50 more each month or $600 a year across all Buick LaCrosse models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 18 months between claim filings, you would save money if you choose a higher deductible.

Buick LaCrosse insurance rates: Men versus women

The illustration below visualizes the comparison of Buick LaCrosse car insurance rates for male and female drivers. The data assumes no violations or accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.

Irvine Insurance Rates are Influenced by These Factors

Lots of factors are used when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but other factors are not as apparent such as your marital status or your commute time.

Listed below are a partial list of the pieces used by companies to determine your prices.

Why do I need car insurance?

Despite the high cost of buying insurance for a Buick LaCrosse in Irvine, insuring your vehicle serves several important purposes.

First, most states have minimum mandated liability insurance limits which means the state requires a specific minimum amount of liability insurance if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your car with a loan, almost every bank will make it a condition of the loan that you have insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Buick for a lot more money and force you to reimburse them much more than you were paying before.

Third, insurance safeguards not only your vehicle but also your assets. It will also reimburse you for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are sued as the result of an accident. If your Buick gets damaged, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying auto insurance are without a doubt worth the cost, particularly if you ever have a claim. An average driver in America overpays as much as $700 annually so shop around at every policy renewal to be sure current rates are still competitive.