Save on 2013 Buick LaCrosse Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Looking for the cheapest car insurance rates for your Buick LaCrosse? Are you sick and tired of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as the majority of other car owners.

Consumers have many insurers to buy insurance from, and although it’s a good thing to have multiple companies, it can be more difficult to find the best rates.

Compare Quotes for Auto Insurance

Most companies give price estimates online. This process doesn’t take much effort as you just type in the coverage amounts you desire into the quote form. When complete, the company’s rating system automatically orders your driving record and credit report and generates pricing information. Online quotes helps simplify price comparisons, but the time it takes to visit many different websites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you are searching for better prices.

The easy way to compare rates

A more efficient way to get multiple rate quotes makes use of a single form to get prices from a bunch of companies at once. The form is fast, eliminates form submissions, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you can choose any or none of the quote results. If a lower price is quoted, it’s easy to complete the application and buy the policy. It can be completed in a matter of minutes and may save quite a bit of money.

To compare pricing, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you copy your coverages identical to your current policy. This helps ensure you are getting rate quotes for similar insurance coverage.

Don’t assume everyone needs the same coverage

When buying adequate coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique so your insurance should reflect that These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

  • Is a fancy paint job covered?
  • How much liability coverage do I need in my state?
  • Is other people’s property covered if stolen from my vehicle?
  • What is covered by UM/UIM coverage?
  • What if I owe more than I can insure my car for?
  • Is my camper covered by my car insurance policy?
  • Why am I required to buy liability insurance?
  • What exactly is covered by my policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance 101

Knowing the specifics of your insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Buick LaCrosse.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision insurance

This pays for damage to your LaCrosse from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, driving through your garage door, backing into a parked car, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability car insurance

This will cover damages or injuries you inflict on people or other property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as medical expenses, structural damage, pain and suffering, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses like funeral costs, EMT expenses, pain medications, dental work and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, falling objects, hail damage, rock chips in glass and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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