Buick LaCrosse Insurance Rates in Plano

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If you want to find the absolute lowest rates, then the best way to get cheaper Buick LaCrosse insurance in Plano is to do a yearly price comparison from different companies in Texas.

  • First, it will benefit you to learn about how insurance companies determine prices and the measures you can control to prevent expensive coverage. Many factors that result in higher rates such as traffic citations and a less-than-favorable credit score can be amended by making lifestyle changes or driving safer. This article gives additional ideas to prevent high rates and find discounts that may have been missed.
  • Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like GEICO or State Farm, while agents who are independent can quote prices for many different companies.
  • Third, compare the new rates to your existing rates and determine if cheaper LaCrosse coverage is available. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
  • Fourth, provide adequate notice to your current company to cancel your current policy. Submit a completed application and payment to your new carrier. Be sure to keep your new proof of insurance certificate with your vehicle's registration.

One thing to point out is that you'll want to compare identical limits and deductibles on each quote request and and to get rates from all possible companies. Doing this guarantees a fair rate comparison and a good representation of prices.

Insurance rates Buick LaCrosse in PlanoIt's easy to assume that auto insurance companies want to keep you from shopping around. Insureds who shop around for cheaper prices are inclined to switch companies because there is a significant possibility of finding coverage at a cheaper rate. A study showed that people who faithfully checked for cheaper rates saved $850 each year compared to people who didn't regularly shop around.

If finding budget-friendly rates on Buick LaCrosse insurance in Plano is the reason you're reading this, then having some knowledge of how to shop for auto insurance can make it easier to find better rates.

If you are insured now, you stand a good chance to be able to lower your rates using these methods. This information will instruct you on how to get online quotes and some tricks to saving. But Texas vehicle owners do need to learn the methods companies use to determine how much to charge and use it to find better rates.

Why Your Insurance Prices might be higher

Lots of factors are used when pricing auto insurance. Some of the criteria are obvious like your driving record, although some other factors are more transparent like your vehicle usage or your vehicle rating. One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that aid in calculating your policy premiums. If you have some idea of what determines base rates, this empowers consumers to make smart changes that will entitle you to better car insurance rates.

Listed below are a few of the "ingredients" that factor into premiums.

  • Miles impacts prices - The more you drive your Buick annually the more you will pay for car insurance. Many insurance companies calculate rates based upon how you use the vehicle. Cars that are left in the garage cost less to insure compared to those used for work or business. Having the wrong rating on your LaCrosse may be wasting your money. Ask your agent if your declarations sheet properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • Single drivers may have higher premiums - Having a wife or husband may earn you lower rates on your car insurance policy. It generally demonstrates drivers are more financially stable and statistics show married drivers tend to have fewer serious accidents.
  • Optional features impact rates - Choosing to buy a car with anti-theft technology or alarm system can save you some money. Advanced theft deterrents such as GM's OnStar, tamper alarm systems and vehicle immobilizers all help prevent your car from being stolen.
  • Premiums may be higher where you live - Residing in areas with lower population is a positive aspect when shopping for auto insurance. Residents of big cities tend to have more aggressive driving styles and much longer commute distances. Less people living in that area means a lower chance of having an accident in addition to lower liability claims.
  • Why do you need liability? - The liability coverage on your policy is the protection if you are responsible for causing personal injury or damage in an accident. Liability provides for a legal defense to attempt to prove you were not liable. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Raising comp and collision deductibles lowers rates - Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Examples of covered claims are running into the backend of another car, damage caused by hail, and burglary. Physical damage deductibles state the amount of money you are willing to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the lower your rates will be.
  • Consolidate home and auto and save - Some car insurance companies will give lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, it's always a smart idea to get quotes from other companies to ensure the best deal.
  • Claims statistics for a Buick LaCrosse - Car insurance companies use historical loss data when setting premium rates. Models that tend to have a trend towards higher claims will be charged more to insure.

    The next table shows the insurance loss data used by companies for Buick LaCrosse vehicles. For each insurance policy coverage type, the loss probability for all vehicles compiled together is represented as 100. Values below 100 indicate a favorable loss history, while percentage numbers above 100 indicate more frequent claims or tendency to have higher losses.

    Car Insurance Loss Data for Buick LaCrosse Models
    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

    Empty fields indicate not enough data collected
    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When comparison shopping, comparing more rates from different companies gives you a better chance of getting the best offered rates.

The companies in the list below provide comparison quotes in Plano, TX. If multiple companies are listed, it's highly recommended you compare several of them in order to get a fair rate comparison.

Rates and other information

The coverage information displayed next outlines detailed analysis of policy rates for Buick LaCrosse models. Having a better understanding of how policy rates are calculated can assist in making smart choices when selecting a policy.

Buick LaCrosse Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $302 $456 $334 $20 $100 $1,212 $101
Lacrosse CXL $302 $538 $334 $20 $100 $1,294 $108
Lacrosse CXL AWD $302 $538 $334 $20 $100 $1,294 $108
Lacrosse CXS $336 $538 $334 $20 $100 $1,328 $111
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium amounts do not factor in Plano location which can raise or lower auto insurance rates greatly.

How high should deductibles be?

One common question asked by Plano drivers is how high should the physical damage deductibles be. The comparisons below can help illustrate the rate difference between low and high policy deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.

Buick LaCrosse insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $370 $592 $324 $20 $96 $1,427 $119
Lacrosse CXL $370 $698 $324 $20 $96 $1,533 $128
Lacrosse CXL AWD $370 $698 $324 $20 $96 $1,533 $128
Lacrosse CXS $412 $698 $324 $20 $96 $1,575 $131
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Buick LaCrosse insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $270 $400 $324 $20 $96 $1,110 $93
Lacrosse CXL $270 $472 $324 $20 $96 $1,182 $99
Lacrosse CXL AWD $270 $472 $324 $20 $96 $1,182 $99
Lacrosse CXS $300 $472 $324 $20 $96 $1,212 $101
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific location which can increase or decrease price quotes substantially.

We can estimate from the data above that using a $100 deductible will cost you approximately $29 more each month or $348 each year averaged for all LaCrosse models than opting for the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 14 months between claims, you would probably be better off going with the higher deductible.

Bad driving habits will cost you more

The diagram below highlights how traffic violations and at-fault fender-benders drive up Buick LaCrosse auto insurance costs for each age group. The costs are based on a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Price comparison of only insuring for liability

The example below illustrates the difference between Buick LaCrosse annual premium costs when comparing full coverage to state minimum liability only. The premiums assume no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Are you wasting money paying for full coverage?

There is no exact formula for eliminating comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Buick LaCrosse book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after the policy deductible has been paid. If you are paying more than $500 annually for full coverage, then you might consider buying liability only.

There are some circumstances where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Why you need insurance

Even though it's not necessarily cheap to insure a Buick in Plano, buying insurance is required by state law in Texas and it also provides benefits you may not be aware of.

  • Most states have mandatory insurance requirements which means you are required to carry specific limits of liability in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your LaCrosse has a lienholder, it's guaranteed your bank will require that you buy full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may insure your Buick for a lot more money and require you to pay a much higher amount than you were paying before.
  • Insurance protects both your Buick and your assets. It will also reimburse you for medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your policy will cover the repair costs.

The benefits of having insurance definitely exceed the cost, particularly for liability claims. On average, a vehicle owner in Plano is overpaying over $750 every year so you should quote rates every year to save money.

Auto insurance quotes and discounts

Not many people think insurance is cheap, but there's a good chance there are discounts to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but some discounts are required to be asked for prior to getting the savings.Save money with discounts

  • Student Discount for Driver Training - It's a good idea to have your young drivers successfully complete driver's ed class if it's offered in school.
  • Low Miles Discount - Low mileage vehicles could earn lower prices due to less chance of an accident.
  • Braking Control Discount - Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Save with More Vehicles Insured - Having all your vehicles on one policy can reduce the rates for all insured vehicles.
  • Multiple Policy Discount - If you can combine your homeowners and auto policy with the same insurance company you will save up to 20% and get you cheap LaCrosse insurance.
  • Paperless Signup - A handful of companies may give you up to $50 for buying a policy and signing up online.
  • Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
  • Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts may qualify for discounts of more than 20%.
  • Driver Safety - Completing a course that instructs on driving safety could cut 5% off your bill depending on where you live.
  • Renewal Discounts - Some larger companies reward drivers for signing up prior to the expiration date on your current LaCrosse insurance policy. This discount can save up to 10%.

Policy discounts save money, but many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, it just doesn't work that way.

The diagram below illustrates the difference between Buick LaCrosse auto insurance costs with and without some available policy discounts. The costs are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, homeowner, marriage, and multi-policy discounts applied.

A few companies that may offer quotes with these benefits include:

If you need lower rates, check with all the companies which discounts you may be entitled to. Savings might not be offered in Plano. To see providers who offer auto insurance discounts in Texas, click here.

Car insurance quotes from local Plano insurance agencies

A small number of people just prefer to have an agent's advice and doing so can bring peace of mind One of the benefits of getting free rate quotes online is the fact that drivers can get the lowest rates and still buy from a local agent. Supporting local insurance agents is still important in Plano.

Insurance agents in PlanoAfter completing this short form, the coverage information is sent to participating agents in Plano who want to provide quotes for your business. There is no need to contact any agents since price quotes are sent to your email. You can find the lowest rates without having to waste a lot of time. If you need to get a price quote from a specific car insurance provider, don't hesitate to visit that company's website and complete a quote there.

When narrowing the list to find a local agent, it can be helpful to understand the types of insurance agents and how they can write your policy. Plano agents are considered either independent or exclusive depending on the company they work for.

Independent Agents

Agents that elect to be independent are not limited to a single company and that gives them the ability to insure with a variety of different insurance companies and find you the best rates. If your agent finds better pricing, an independent agent can move your coverage and you stay with the same agent.

When searching for an agent, it's a good idea to compare quotes from a couple of independent agencies so that you have a good selection of quotes to compare. They also have the ability to place coverage with less well-known companies which could offer lower prices.

Below are independent insurance agents in Plano that may be able to give comparison quotes.

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Exclusive Insurance Agents

These type of agents can only quote rates from one company like Allstate and State Farm. They usually cannot provide other company's prices so keep that in mind. Exclusive agencies are highly trained on their company's products which helps them compete with independent agents. Consumers sometimes purchase coverage from exclusives mostly because of loyalty to the company rather than having the cheapest rates.

Below is a short list of exclusive agencies in Plano who can help you get price quote information.

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Selecting a auto insurance agent is decision based upon more than just the quoted price. You should also get answers to these questions.

  • Is the agency covered by Errors and Omissions coverage?
  • Do they offer claims assistance after hours?
  • How long has their agency been open in Plano?
  • By raising physical damage deductibles, how much would you save?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Did they already check your driving record and credit reports?
  • Are they giving you every discount you deserve?
  • Do they see any coverage gaps in your plan?

More comparisons equals affordable rates

We've covered a lot of techniques to save on Buick LaCrosse insurance in Plano. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the lowest priced car insurance comes from the smaller companies.

Some insurance companies may not offer price quotes online and these regional carriers provide coverage only through independent agents. Cost effective Buick LaCrosse insurance can be purchased from both online companies as well as from insurance agents, and you need to price shop both to get a complete price analysis.

Insureds who switch companies do it for any number of reasons including high prices, lack of trust in their agent, unfair underwriting practices or being labeled a high risk driver. No matter why you want to switch, choosing a new company can be easier than you think.

Additional car insurance information is located below: