Buick LaCrosse Insurance Rates in Plano

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.

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.

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
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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.

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

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.

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: