How Much Does 2014 Buick LaCrosse Insurance Cost?

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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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Want better auto insurance rates for your Buick LaCrosse? Searching for the most affordable auto insurance on the internet is intimidating for consumers new to buying insurance on the web. With such a large number of insurance companies available, how can anyone effectively compare every one to find the best available rates?

It’s smart to do rate comparisons on a regular basis because rates tend to go up over time. Even if you got the best price for LaCrosse coverage on your last policy there may be better deals available now. So just ignore everything you know about auto insurance because we’re going to show you how to use the internet to properly buy coverages and cut your premium.

Insurance Coverage Prices Online

There are a variety of methods to shop for 2014 Buick LaCrosse insurance coverage, but one way is more efficient than others. You can spend countless hours talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get prices fast.

The majority of car insurance companies take part in a program that enables customers to enter their coverage request one time, and each company then gives them pricing. This system prevents you from having to do form submissions for each company you want a rate for. To enter your information into the quoting system, click here to open in new window.

One minor caviat to comparing rates this way is you don’t know exactly which insurance companies to get pricing from. If you prefer to choose from a list of companies for rate comparison, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same quote information for every quote you compare. If you have differing limits you will not be able to find the best deal for your Buick LaCrosse. Quoting even small variations in coverages could mean much higher rates. And when comparison shopping, comparing more company’s prices will enable you to find the best offered rates.

How much car insurance do I need?

When it comes to buying coverage, there really is no “perfect” insurance plan. Each situation is unique.

For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Why does it cost so much to insure a teen driver?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I buy full coverage?
  • Is my nanny covered when driving my vehicle?
  • Is my state a no-fault state?
  • What exactly is covered by my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Should I sign the liability waiver when renting a car?
  • Where can I find high-risk insurance?
  • Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Specific coverages for a 2014 Buick LaCrosse

Having a good grasp of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Auto liability

This will cover injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s 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. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as emergency aid, court costs and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for EMT expenses, rehabilitation expenses and surgery. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Collision coverage

This will pay to fix damage to your LaCrosse resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Buick LaCrosse.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage and rock chips in glass. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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