How Much Does 2012 Buick LaCrosse Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 18, 2024

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Baffled by the dozens of insurance choices? There are so many choices available that it can easily become a difficult challenge to find the best premium rates.

This article will help you learn how to effectively get price quotes and some tips to save money. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. But consumers do need to learn how companies compete online and apply this information to your search.

Cut your auto insurance rates with discounts

Companies don’t necessarily list every discount in a way that’s easy to find, so the list below contains some of the best known as well as the least known savings tricks you should be using when you buy car insurance online.

  • Onboard Data Collection – Insureds that choose to allow driving data collection to look at driving patterns by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if their driving habits are good.
  • Drive Less and Save – Maintaining low annual mileage could earn lower prices due to less chance of an accident.
  • Discount for New Cars – Adding a new car to your policy can get you a discount compared to insuring an older model.
  • Military Rewards – Having an actively deployed family member could be rewarded with lower rates.
  • Save with More Vehicles Insured – Purchasing coverage when you have several vehicles on a single policy qualifies for this discount.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.
  • Early Switch Discount – Some auto insurance companies provide a discount for buying a new policy prior to the expiration date on your current policy. The savings is around 10%.
  • Auto/Home Discount – If you can bundle your auto and homeowners insurance and place coverage with the same company you could save up to 20% and get you cheaper car insurance.
  • Distant Student – Kids living away from home attending college and do not take a car to college may qualify for this discount.

As a sidenote, some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way.

Some of the insurance companies that have most of the discounts above possibly include:

  • Esurance
  • The Hartford
  • AAA
  • State Farm

If you need lower rates, check with all companies you are considering which credits you are entitled to. Some discounts may not be available everywhere. To view auto insurance companies offering auto insurance discounts, enter your zip code here.

You are unique and your auto insurance should be too

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • Do I have coverage when making deliveries for my home business?
  • I don’t drive much so do I pay less?
  • When should I buy a commercial auto policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is medical payments coverage?
  • Is my teen driver covered when they drive my company car?
  • How much liability insurance is required?
  • What can I do if my company won’t pay a claim?
  • Exactly who is provided coverage by my policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, complete your zip code.

Don’t believe everything you hear

Companies like 21st Century, Allstate and State Farm regularly use ads in print and on television. All the companies make an identical promise that drivers will save a bundle just by moving your car insurance coverage to their company. How does every car insurance company make the same claim? Here is how they do it.

Car insurance companies are able to cherry pick for the right customer they prefer to insure. An example of a profitable customer might be described as over the age of 40, has other policies, and drives less than 7,500 miles a year. A prospective insured that meets those criteria will qualify for the lowest premium rates and will save a lot of money.

Consumers who do not fit this ideal profile may be required to pay higher premiums which results in the driver buying from a lower-cost company. The ads state “customers that switch” but not “all drivers who get quotes” save money. This is how insurance companies can confidently make it sound like they have such great premium rates.

Because of these techniques, you should get price quotes at each policy renewal. It is impossible to predict which car insurance company will be your best fit.

Insurance specifics

Knowing the specifics of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage kick in for bills for X-ray expenses, pain medications, chiropractic care, EMT expenses and prosthetic devices. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, fire damage, rock chips in glass and hitting a bird. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Buick LaCrosse.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability

This protects you from injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, bail bonds and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Final thoughts

You just learned many tips how you can compare 2012 Buick LaCrosse insurance auto insurance rates online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your premium rates. You may even find the lowest priced car insurance comes from some of the smallest insurance companies.

Drivers leave their current company for a number of reasons such as delays in responding to claim requests, poor customer service, policy cancellation and being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

Low-cost 2012 Buick LaCrosse insurance is possible on the web and also from your neighborhood agents, so you need to shop car insurance with both to have the best selection. Some insurance companies may not provide internet price quotes and these small, regional companies sell through independent agents.

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