Locating low-cost insurance for a Buick LaCrosse in California can normally be an all-consuming task, but you can use our auto insurance buying tips to make it easier. There is a better way to shop for auto insurance so you’re going to learn the absolute fastest way to compare rates for your Buick and obtain the lowest possible price from San Diego insurance agents and online providers.
Unthinkable but true, the vast majority of auto insurance customers in California kept buying from the same company for at least the last four years, and 38% of customers have never quoted auto insurance rates at all. American insurance shoppers could save nearly $850 each year just by getting comparison quotes, but they don’t want to take the time to compare rate quotes online.
You need to price shop coverage once or twice a year because auto insurance prices change quite often. Even if you got the best price on Buick LaCrosse insurance in San Diego a few years ago you may be paying too much now. You’ll find quite a bit of inaccurate information about LaCrosse insurance on the web, but in just a couple of minutes you can learn some solid techniques on how to find affordable auto insurance in San Diego.
If you are already insured or are looking for a new policy, use these money-saving tips to save money while maintaining coverages. Finding and comparing the lowest-priced coverage in San Diego is not that difficult. Comparison shoppers just have to use the proper way to get comparison quotes instantly.
Companies offering cheap Buick LaCrosse rate quotes in San Diego, CA
The auto insurance companies shown below are our best choices to provide price comparisons in California. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Lacrosse CXL AWD||$270||$536||$424||$26||$128||$1,384||$115|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in vehicle garaging location which can affect prices substantially.
Does full coverage make sense?
The illustration below shows the difference between Buick LaCrosse annual premium costs with and without physical damage coverage. The information is based on no accidents, no driving violations, $500 deductibles, single male driver, and no additional discounts are factored in.
When to stop buying physical damage coverage
There is no definitive rule that works best for making the decision to drop physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Buick LaCrosse claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying your policy deductible. If it’s costing in excess of $200 a year for full coverage, then it could be time to drop full coverage.
There are some cases where dropping full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Cautious San Diego drivers save money
The illustration below demonstrates how citations and accident claims can influence Buick LaCrosse insurance rates for different categories of driver ages. Data assumes a married male driver, comp and collision included, $250 deductibles, and no discounts are applied.
Can higher deductibles save money?
The information below shows how different deductible levels and can affect Buick LaCrosse insurance costs for different categories of driver ages. The premium estimates are based on a married female driver, full coverage, and no additional discounts are factored in.
Auto insurance discounts help lower rates for Buick LaCrosse insurance in San Diego
Auto insurance is not an enjoyable expense, but there could be available discounts that you may not even know about. Many of these discounts will be applied automatically when you quote, but lesser-known reductions have to be specifically requested before you get the savings. If you don’t get every credit available, you could be getting lower rates.
- E-sign – A handful of companies provide a small discount for buying your policy on their website.
- No Charge for an Accident – Not a discount per se, but a few companies such as Progressive, State Farm and GEICO will forgive one accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
- Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles with the same company can get a discount for every vehicle.
- Defensive Driving Course – Taking time to complete a defensive driver course is a good idea and can lower rates if you qualify.
- Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, companies don’t profit that way.
A few popular companies and some of the discounts include:
- Farm Bureau policyholders can earn discounts including youthful driver, multi-vehicle, renewal discount, safe driver, driver training, 55 and retired, and multi-policy.
- MetLife has savings for good driver, accident-free, multi-policy, good student, and defensive driver.
- Progressive offers discounts for homeowner, online signing, multi-vehicle, continuous coverage, multi-policy, online quote discount, and good student.
- AAA offers discounts including anti-theft, multi-car, pay-in-full, education and occupation, AAA membership discount, multi-policy, and good driver.
- American Family has discounts for Steer into Savings, TimeAway discount, mySafetyValet, bundled insurance, multi-vehicle, and early bird.
- GEICO may offer discounts for anti-lock brakes, multi-policy, membership and employees, federal employee, seat belt use, and emergency military deployment.
- State Farm may have discounts that include accident-free, Drive Safe & Save, good driver, student away at school, defensive driving training, multiple autos, and anti-theft.
When quoting, ask every insurance company to give you their best rates. Some discounts listed above may not be offered in San Diego. To see insurers that offer discounts in California, click this link.
Informed Consumers Can Lower Their Insurance Prices
When buying car insurance it’s important to understand the different types of things that play a part in calculating the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that can earn you lower car insurance prices.
Only buy extra coverages you need – There are a lot of additional coverages that sound like a good idea at the time if you don’t pay attention. Insurance for roadside assistance, high-cost glass coverage, and Farm Bureau memberships may be wasting your money. You may think they are a good idea at first, but now you might not need them so eliminate them to save money.
You may save more by bundling policies – The majority of car insurance companies provide discounts to clients that purchase more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, consumers should still compare Buick LaCrosse rates in San Diego to guarantee you are still saving the most. You may still be able to find better rates even if you have your coverage with different companies
When should you file a car insurance claims? – If you are the type of insured that files lots of claims you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Car insurance companies in California award cheaper rates to drivers who are not frequent claim filers. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Premiums are lower the older you get – Older drivers are more responsible, cause fewer claims and accidents, and get fewer tickets.Youthful drivers are known to be more careless when driving so car insurance rates are higher.
Higher physical damage deductibles cost less – The deductibles state the amount of money you are required to pay if a covered claim is submitted. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered would be collision with another vehicle, hail damage, and damage from wind. The more of the claim you’re willing to pay, the better rate you will receive.
Getting married brings a discount – Walking down the aisle may cut your premiums on your car insurance policy. Marriage translates into being more mature it has been statistically shown that married drivers tend to file fewer claims.
Your occupation may affect premiums – Occupations such as judges, social workers and medical professionals generally have higher premium rates attributed to stressful work requirements and lengthy work days. Other jobs like farmers, students and the unemployed receive lower rates.
Buick LaCrosse claim probability – Insurers take into consideration insurance loss statistics for every vehicle when they set coverage costs for each model. Vehicles that the data determines to have higher frequency or amount of claims will cost more for coverage. The information below illustrates the insurance loss data used by companies for Buick LaCrosse vehicles.
For each type of coverage, the claim probability for all vehicles, as a total average, is set at 100. Values that are below 100 suggest losses that are better than average, while values over 100 point to more claims or an increased chance of larger losses than average.
Buick LaCrosse Insurance Loss 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 from IIHS.org for 2013-2015 Model Years
Different people need different car insurance coverages
When it comes to a policy, there really isn’t a cookie cutter policy. Every insured’s situation is different.
These are some specific questions might help in determining if your situation could use an agent’s help.
- Should I put collision coverage on all my vehicles?
- Do I pay less if my vehicle is kept in my garage?
- Do I need roadside assistance coverage?
- Am I covered when driving a rental car?
- Will my Buick LaCrosse be repaired with OEM or aftermarket parts?
- How much underlying liability do I need for an umbrella policy?
If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.
Compare rates but work with a local neighborhood San Diego car insurance agent
Certain consumers would rather sit down with an agent and that is recommended in a lot of cases Licensed agents are trained risk managers and will help you if you have claims. One of the great benefits of comparing rates online is the fact that drivers can get cheap insurance quotes but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), your coverage information is submitted to participating agents in San Diego who will give you quotes for your coverage. You won’t even need to even leave your home since rate quotes are delivered instantly to you. If you want to compare rates from a particular provider, you would need to navigate to their website to submit a rate quote request.
Finding the right company should depend on more than just a cheap price quote. Here are some questions to ask:
- Does the agency have a current Errors and Omissions policy?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they regularly work with personal auto policies in San Diego?
- Does the agency support the community they serve?
- Are there any extra charges for paying monthly?
- What insurance companies do they recommend if they are an independent agent?
- Can you choose the body shop in case repairs are needed?
- Does the company have a local claim office in San Diego?
Insurance agent types
When narrowing the list to find a local agent, you must know there are a couple types of agencies from which to choose. San Diego agents are classified as either exclusive or independent (non-exclusive). Either can write insurance policies, but it is important to understand the subtle differences because it can factor into the type of agent you choose.
These type of agents can usually just insure with one company and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to give you multiple price quotes so always compare other rates. These agents are well schooled on the products they sell which helps overcome the inability to quote other rates. Many people buy insurance from these agents mostly because of high brand loyalty and solid financial strength.
The following are exclusive agencies in San Diego that can give you price quotes.
- Kristin Francy – State Farm Insurance Agent
9888 Carmel Mountain Rd Ste A – San Diego, CA 92129 – (858) 484-4141 – View Map
- Bill Flanigan – State Farm Insurance Agent
8888 Clairemont Mesa Blvd n – San Diego, CA 92123 – (858) 279-2173 – View Map
- Rod Thelen – State Farm Insurance Agent
110 W A St #775 – San Diego, CA 92101 – (619) 234-4882 – View Map
Independent Agents (or Brokers)
Independent insurance agents are not locked into one company and that is an advantage because they can write policies through lots of different companies and find the cheapest rate. If you are not satisfied with one company, they simply switch companies in-house which is easy for the insured. If you are comparing rate quotes, we recommend you compare prices from a few independent agents to have the best price comparison. Most also write with smaller companies which can save you money.
Below are independent insurance agents in San Diego that can give you price quotes.
- ARROWHEAD General Insurance Agency, Inc.
701 B St #2100 – San Diego, CA 92101 – (619) 744-5000 – View Map
- Nationwide Insurance: Richard Turner Insurance Agency
3443 Camino del Rio S #221 – San Diego, CA 92108 – (619) 296-6222 – View Map
- Leavitt Insurance Agency of San Diego
380 Stevens Ave – Solana Beach, CA 92075 – (858) 259-5800 – View Map
Ads can be misleading
California consumers can’t ignore all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. All the ads make the same claim of big savings if you get a free San Diego car insurance quote and switch to them.
It sounds good, but how can they all offer drivers better rates?
Companies quote their best rates for the type of insured that will be a good risk. A good example of this type of risk profile could possibly be over the age of 45, carries full coverage, and drives less than 10,000 miles a year. Any person who matches those parameters will get a cheap rate quote in San Diego and will probably save money with a new company.
Insureds who are not a match for these standards must pay higher rates and the customer buying from someone else. The trick companies use is to say “customers who switch” but not “everyone who gets a quote” save money. That’s why companies can make those statements. Because every company is different, you should get San Diego car insurance quotes as often as possible. Because you never know which company will have the best premium rates for your profile.
Compare but don’t skimp
We’ve covered some good ideas how you can save on Buick LaCrosse insurance in San Diego. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers could even find that the most savings is with a small mutual company.
Drivers leave their current company for a number of reasons such as denial of a claim, poor customer service, high rates after DUI convictions or even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.
Cheap Buick LaCrosse insurance in San Diego can be found on the web and also from your neighborhood San Diego agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and many times these smaller providers provide coverage only through independent insurance agents.
More detailed auto insurance information can be found by following these links:
- Vehicle Size and Weight FAQ (iihs.org)
- What Car Insurance is Cheapest in San Diego, California? (FAQ)
- How Much are San Diego Auto Insurance Rates for Good Drivers? (FAQ)
- Who Has the Cheapest San Diego Car Insurance Quotes for a Nissan Rogue? (FAQ)
- Who Has Affordable San Diego Auto Insurance Rates for a Nissan Sentra? (FAQ)
- Who Has Cheap Car Insurance for Drivers with Accidents in San Diego? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with a Bad Driving Record in San Diego? (FAQ)
- How Much is San Diego Car Insurance for a Toyota Tacoma? (FAQ)
- Who Has Affordable San Diego Auto Insurance Quotes for 17 Year Olds? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- Bodily Injury Coverage (Liberty Mutual)
- Keeping Children Safe in Crashes Video (iihs.org)
- Older Driver Statistics (Insurance Information Institute)