Compare Buick LaCrosse Insurance Rates in Lubbock

Insurance rates Buick LaCrosse in LubbockA recent survey discovered that a large majority of drivers kept their coverage with the same car insurance company for more than four years, and nearly 40% of drivers have never shopped around. The average driver in Texas could save as much as $1,800 each year just by shopping around, but most just don’t grasp the rate savings if they replace their high priced policy.

The most effective way to find better pricing on auto insurance rates is to compare quotes once a year from different companies that insure vehicles in Lubbock. Rates can be compared by following these steps.

A valuable tip to remember is to make sure you’re comparing similar deductibles and liability limits on each price quote and and to get rate quotes from as many companies as feasibly possible. Doing this guarantees an apples-to-apples comparison and a good representation of prices.

Choosing the best rates in Lubbock is easy if you know what you’re doing. Basically, every car owner who is required by state law to have car insurance will more than likely be able to reduce their rates. Although Texas vehicle owners need to have an understanding of how companies market insurance on the web because it varies considerably.

Car insurance providers offering low-cost rates in Texas

The providers in the list below provide free rate quotes in Lubbock, TX. If you want the best auto insurance in Lubbock, we recommend you get rates from several of them to get a more complete price comparison.

Buick LaCrosse insurance rates and statistics

The price information displayed below covers estimates of insurance rates for Buick LaCrosse models. Being aware of how car insurance prices are established is important for you to make smart buying decisions.

Buick LaCrosse Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $362 $682 $392 $24 $118 $1,578 $132
Lacrosse CXL $362 $802 $392 $24 $118 $1,698 $142
Lacrosse CXL AWD $362 $802 $392 $24 $118 $1,698 $142
Lacrosse CXS $404 $802 $392 $24 $118 $1,740 $145
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium costs do not factor in specific location which can affect rates substantially.

Should you buy full coverage?

The illustration below shows the difference between Buick LaCrosse premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The premiums are based on no claims, a clean driving record, $1,000 deductibles, single marital status, and no policy discounts are applied.

Guidelines for dropping full coverage

There is no clear-cut formula of when to exclude comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Buick LaCrosse book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after the policy deductible has been paid. If premium cost is more than $300 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few cases where removing full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Cheaper Buick LaCrosse insurance rates in Lubbock

Companies offering auto insurance don’t always advertise the complete list of policy discounts in an easy-to-find place, so below is a list a few of the more well known as well as the least known credits that may apply to you.Save money with discounts

It’s important to note that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride.

The diagram below illustrates the difference between Buick LaCrosse insurance premiums with and without discounts applied to the premium. The premiums are based on a male driver, no claims or violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, marriage, homeowner, and multi-car discounts applied.

To see a list of companies with the best Buick LaCrosse insurance discounts in Lubbock in Lubbock, follow this link.

How You Can Control Buick LaCrosse Insurance Costs

Many factors are part of the equation when you quote your car insurance policy. Some are obvious like your driving record, but some are more transparent like your continuous coverage or your vehicle rating. An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for car insurance. When consumers understand what impacts premium levels, this allows you to make good choices that will entitle you to cheaper rates.

The following are a partial list of the pieces that factor into premiums.

Save by driving less – The higher the mileage driven annually the more it will cost to insure it. Many insurance companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. It’s a smart idea to ensure your declarations sheet reflects the correct driver usage, because improper ratings can cost you money. Incorrect rating for your LaCrosse can result in significantly higher rates.

Older drivers save more – Drivers with little experience are statistically proven to be inattentive when behind the wheel therefore car insurance rates are much higher. Having to add a teenage driver to your policy will cause a huge premium hike. Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents, and receive fewer citations.

The following data uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Poor credit can mean higher prices – A driver’s credit history factor in calculating your premium rate. Consumers who have very high credit ratings tend to be more responsible than drivers who have lower credit ratings. So if your credit score leaves room for improvement, you may save money insuring your Buick LaCrosse by spending a little time repairing your credit.

Prevent theft and save – Buying a car with anti-theft technology or alarm system can earn a premium discount. Systems that thwart thieves such as OnStar, LoJack tracking, and tamper alarms all aid in stopping your car from being stolen.

Insurance losses for a Buick LaCrosse – Companies use past loss statistics for each vehicle to determine a rate that will be profitable for them. Models that the data shows to have higher loss trends will have higher rates for specific coverages.

The data below shows the historical loss data for Buick LaCrosse vehicles. For each insurance policy coverage type, the statistical loss for all vehicles averaged together is set at 100. Percentages below 100 mean the vehicle has better than average losses, while percentages above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

Buick LaCrosse Insurance Claim Statistics
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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance agencies near you

A lot of people would prefer to talk to an insurance agent and we recommend doing that The biggest benefit of comparing rates online is you may find better rates but also keep your business local.

To make it easy to find an agent, after completing this quick form, the quote information is transmitted to companies in Lubbock who will give you quotes for your coverage. It makes it easy because there is no need to find an agent as quotes are delivered to you instantly. You can find the lowest rates and work with a local agent. If you wish to quote rates from a particular provider, feel free to navigate to their website to submit a rate quote request.

Deciding on an insurance company requires you to look at more than just a low price. Before buying a policy in Lubbock, get answers to these questions.

More effort can pay off

Affordable Buick LaCrosse insurance in Lubbock can be purchased online and from local agencies, so get free Lubbock car insurance quotes from both of them in order to have the best chance of saving money. Some companies may not have the ability to get a quote online and most of the time these small insurance companies provide coverage only through independent insurance agencies.

Throughout this article, we presented a lot of ways to lower your Buick LaCrosse insurance car insurance rates in Lubbock. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding affordable Buick LaCrosse insurance quotes. Drivers may even discover the best car insurance rates are with a smaller regional carrier.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. Too many times, consumers will sacrifice liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

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