Best Quotes for Buick LaCrosse Insurance in Lexington

Finding low cost Buick LaCrosse insurance in Lexington can be slightly frustrating for people who are beginners to comparison shopping online. With dozens of companies in the marketplace, it can be a difficult challenge to find more affordable premium rates on Buick LaCrosse insurance.

How to find more affordable Buick LaCrosse insurance in Lexington

It takes a few minutes, but the best way to get budget Buick LaCrosse insurance in Lexington is to do a yearly price comparison from insurance carriers who provide auto insurance in Kentucky.

One important bit of advice is that you’ll want to compare similar limits and deductibles on every price quote and and to get quotes from every company you can. Doing this helps ensure an apples-to-apples comparison and a good representation of prices.

Insurance for Buick LaCrosseA recent survey discovered that the vast majority of consumers in Kentucky kept their coverage with the same car insurance company for at least the last four years, and just short of a majority have never shopped around. Consumers in America can save $860 each year by just shopping around, but they don’t believe the large savings they would see if they moved their coverage to a different company.

It’s smart to compare rates as often as possible since insurance prices are constantly changing. Just because you had the best price on Buick LaCrosse insurance in Lexington a year ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because you’re going to learn the easiest way to save on car insurance.

Locating the best rates in Lexington is quite easy. If you have a policy now, you will definitely be able to find better prices using the ideas you’re about to read. But Kentucky consumers must know the methods companies use to compete online and use it to your advantage.

When shopping for affordable Buick LaCrosse insurance quotes, there are a couple of ways of comparing rate quotes from many different Kentucky insurance companies. By far the easiest way to compare Buick LaCrosse insurance prices is to jump online and get quotes.

Just remember that obtaining a wide range of quotes will enable you to find the best rates. Some smaller insurers do not give price estimates online, so it’s important to also get price estimates from them as well.

The providers in the list below have been selected to offer price comparisons in Kentucky. If multiple companies are listed, we recommend you click on several of them in order to find the cheapest rates.

Coverage statistics and figures

The data table displayed next highlights a range of insurance premium costs for Buick LaCrosse models. Understanding more about how insurance rates are determined can help guide drivers when making smart buying decisions.

Buick LaCrosse Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $304 $574 $360 $22 $108 $1,368 $114
Lacrosse CXL $304 $676 $360 $22 $108 $1,470 $123
Lacrosse CXL AWD $304 $676 $360 $22 $108 $1,470 $123
Lacrosse CXS $340 $676 $360 $22 $108 $1,506 $126
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in your specific Lexington location which can increase or decrease price quotes noticeably.

Policy deductible comparison

The hardest decision when buying coverage is which deductibles should you choose. The rates shown below can help you visualize the rate fluctuation when you select higher and lower insurance deductibles. The first pricing table uses a $250 deductible and the second price table uses a $500 deductible.

Buick LaCrosse insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $284 $426 $278 $16 $84 $1,113 $93
Lacrosse CXL $284 $500 $278 $16 $84 $1,187 $99
Lacrosse CXL AWD $284 $500 $278 $16 $84 $1,187 $99
Lacrosse CXS $318 $500 $278 $16 $84 $1,221 $102
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Buick LaCrosse insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $232 $342 $278 $16 $84 $952 $79
Lacrosse CXL $232 $404 $278 $16 $84 $1,014 $85
Lacrosse CXL AWD $232 $404 $278 $16 $84 $1,014 $85
Lacrosse CXS $258 $404 $278 $16 $84 $1,040 $87
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in zip code location which can lower or raise coverage rates substantially.

Using the data above, we can ascertain that using a $250 deductible costs roughly $14 more each month or $168 annually than buying the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 18 months between claim filings, you would save more money by selecting a higher deductible. Here is a better example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $98
Average monthly premium for $500 deductibles (subtract): – $84
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to note is that higher deductibles means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. It will be required that you have some savings in the event you have to pay the deductible.

Difference between full coverage and liability only rates

The diagram below shows the difference between Buick LaCrosse yearly insurance costs when comparing full coverage to state minimum liability only. The premiums assume no violations or accidents, $250 deductibles, marital status is single, and no discounts are applied.

When to stop buying comprehensive and collision coverage

There is no clear-cut formula to eliminate comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Buick LaCrosse settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $7,000 after you pay the deductible. If you are currently paying more than $700 annually for full coverage, then it could be time to drop full coverage.

There are a few situations where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Three reasons to insure your Buick LaCrosse

Despite the high cost of buying insurance for a Buick LaCrosse in Lexington, buying insurance may be mandatory for several reasons.

The benefits of buying insurance outweigh the cost, particularly if you ever have a claim. But the average American driver overpays as much as $850 per year so it’s very important to do a rate comparison once a year at a minimum to make sure the price is not too high.

Why Informed Drivers Pay Less for Buick LaCrosse Insurance

Lots of factors are part of the calculation when pricing auto insurance. Some factors are common sense like an MVR report, although others are more obscure like your vehicle usage or your commute time.

The list below includes some of the factors used by your company to calculate premiums.

What is YOUR best insurance company?

Some insurance providers don’t offer rates over the internet and usually these small, regional companies provide coverage only through independent insurance agencies. Affordable Buick LaCrosse insurance in Lexington is available both online as well as from independent agents in Lexington, so you should be comparing quotes from both to have the best chance of lowering rates.

As you quote Lexington auto insurance, do not buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to discover later that it was a big mistake. Your objective should be to get the best coverage possible at the best cost while not skimping on critical coverages.

Consumers who switch companies do it for a number of reasons such as being labeled a high risk driver, lack of trust in their agent, questionable increases in premium or unfair underwriting practices. Regardless of your reason, finding the right insurance provider is not as difficult as it may seem.

How to find affordable Buick LaCrosse insurance in Lexington

The best way to find discount car insurance rates in Lexington is to compare prices at least once a year from providers in Kentucky. You can shop around by following these steps.

  1. Take a few minutes and learn about policy coverages and the measures you can take to keep rates down. Many factors that drive up the price like traffic citations, accidents, and a poor credit score can be eliminated by being financially responsible and driving safely.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or Allstate, while independent agents can quote prices from multiple sources.
  3. Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you can save money and change companies, make sure coverage is continuous and does not lapse.

An important bit of advice to remember is to make sure you enter similar limits and deductibles on each price quote and and to get quotes from as many different insurance providers as possible. Doing this helps ensure a fair rate comparison and a good representation of prices.

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