Lower Your 2015 Buick LaCrosse Car 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: Jun 13, 2015

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It’s all about you. We want to help you make the right coverage choices.

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Are you confused by the crazy number of insurance coverage company choices? Lot’s of other consumers are too. You have so many options that it can quickly become a real hassle to find better rates.

It’s important to do rate comparisons every six months since rates fluctuate regularly. Even if you got the best price for LaCrosse insurance on your last policy the chances are good that you can find a lower rate today. Starting right now, ignore everything you know about insurance coverage because we’re going to show you how to use online quotes to remove unneeded coverages and save money.

The quickest way to compare rates is to know the trick most of the bigger providers provide online access to give rate comparisons. To get started, all you need to do is give them rating details such as if you have an active license, whether the vehicles are used for commuting, how much education you have, and deductibles desired. The data gets transmitted to multiple insurance coverage providers and you get price estimates almost instantly.

There’s no such thing as the perfect policy

When choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Is motorclub coverage worth it?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I afford to buy a different vehicle if my 2015 Buick LaCrosse is totaled?
  • Why is insurance for a teen driver so high?
  • Which companies will insure high-risk drivers?
  • Am I insured when driving a different vehicle?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Insurance coverage considerations

Knowing the specifics of a insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2015 Buick LaCrosse.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages – This coverage provides protection from damages or injuries you inflict on people or other property. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as loss of income, emergency aid and court costs. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Collision coverages – This covers damage to your LaCrosse caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox, crashing into a ditch, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, 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.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses like surgery, dental work, X-ray expenses, prosthetic devices and hospital visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, fire damage and a broken windshield. The most you’ll receive from a claim 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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