Trying to find cheaper Buick LaCrosse insurance in Austin could be a challenge for drivers who are new to quoting coverage rates online. Drivers have so many different companies and agents to choose from that it can quickly become a difficult situation to locate the lowest prices.
Astonishng but true according to a recent study, most consumers in Texas kept buying from the same company for more than four years, and nearly the majority have never even compared quotes to find lower-cost rates. Drivers in the U.S. could save up to $859 a year, but they don’t invest the time required to find lower-cost rates by getting comparison quotes.
If you already have coverage, you stand a good chance to be able to get lower rates using the concepts you’re about to learn. Comparing rates for the best protection in Austin is not as confusing as people think. But Texas consumers must comprehend how big insurance companies set your policy premium because rates are impacted by many factors.
Cheaper rates by taking advantage of discounts
Companies do not list their entire list of discounts very clearly, so the following list contains a few of the more common as well as the least known credits available to lower your premiums when you buy Austin car insurance online.
- Savings for New Vehicles – Buying a new car model can save up to 30% because newer models are generally safer.
- Professional Organizations – Belonging to certain professional organizations could earn you a nice discount when getting a Austin car insurance quote.
- Discounts for Good Drivers – Insureds without accidents can save as much as half off their rates than their less cautious counterparts.
- Good Student Discount – Being a good student can save 20 to 25%. The discount lasts up to age 25.
- Bundled Policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you could save approximately 10% to 15%.
- Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote Austin car insurance depending on your company.
- Drivers Education – Have your child enroll and complete driver’s education in school or through a local driver safety program.
As a sidenote, most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic.
A partial list of companies who might offer these money-saving discounts include:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
Double check with every insurance company what discounts are available to you. A few discounts might not be available to policyholders in Austin. For a list of companies that offer many of these discounts in Austin, click here.
The best way to compare policy rates for Buick LaCrosse insurance in Austin is to know the trick car insurance companies have advanced systems to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details such as your general credit rating, what you do for a living, if it has an alarm system, and coverage limits. That rating data is submitted instantly to insurance companies and they respond with quotes instantly to find the best rate.
To start a rate quote now, click here and complete the quick form.
The companies in the list below are our best choices to provide price comparisons in Austin, TX. If the list has multiple companies, it’s a good idea that you visit as many as you can to find the cheapest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Lacrosse CXL AWD||$160||$312||$310||$18||$94||$894||$75|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in specific location which can raise or lower insurance rates noticeably.
Buick LaCrosse insurance rates by gender
The chart below visualizes the comparison of Buick LaCrosse premium costs for male and female drivers. The premium estimates are based on no claims or violations, comp and collision included, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Driving violations and accidents
The chart below highlights how traffic violations and at-fault collisions can influence Buick LaCrosse premium costs for different categories of driver ages. The premiums are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Liability only or full coverage
The example below shows the difference between Buick LaCrosse auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims or driving violations, $250 deductibles, single female driver, and no discounts are taken into consideration.
When to drop full coverage
There is no exact formula for phasing out physical damage insurance, but there is a general convention. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Buick LaCrosse book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,000 after paying the physical damage deductible. If you are paying more than $800 annually for physical damage coverage, then it may be the right time to buy liability only.
There are some cases where removing full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Learn How to Lower Your Insurance Rates
Lots of things are considered when premium rates are determined. Some are obvious like a motor vehicle report, but some are more transparent such as whether you are married or your commute time.
The itemized list below are some of the factors used by insurance companies to determine your prices.
Pay more out-of-pocket – Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of covered claims would be running into the backend of another car, damage from fire, and rolling your vehicle. Physical damage deductibles represent how much money you are willing to pay in the event of a claim. The more you choose to pay out-of-pocket, the bigger discount you will receive.
Combine policies and save – Lots of insurance companies will give a discount to buyers who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even though this discount sounds good, it’s always a smart idea to check prices from other companies to help guarantee you have the best rates.
Get better prices if you’re married – Having a wife or husband may earn you lower rates compared to being single. Having a spouse is viewed as being more mature and statistics show drivers who are married file infrequent claims.
Cautious drivers pay less – Only having one speeding ticket or other violation may cause rates to rise forty percent or more. Good drivers have lower premiums than people who have multiple driving citations. Drivers who get license-revoking citations like DUI or willful reckless driving are required to complete a SR-22 with their state in order to drive a vehicle legally.
Prevent theft and save – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft and help bring rates down.
Your occupation can affect rates – Do you have a high-stress occupation? Careers like military generals, police officers, and accountants tend to have higher rates than the rest of us due to intense work situations and lots of time spent away from family. Other careers like actors, historians and the unemployed get better rates.
Buick LaCrosse insurance claim data – Insurers factor in insurance loss information as a way to help calculate a profitable premium price. Models that tend to have higher claim amounts or frequency will cost more to insure. The table below shows the compiled insurance loss statistics for Buick LaCrosse vehicles.
For each coverage type, the statistical loss for all vehicles as a whole is equal to 100. Numbers that are below 100 indicate a favorable loss history, while percentages above 100 indicate frequent claims or statistically larger losses.
Buick LaCrosse Insurance Claim 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance is unique, just like you
When buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Your situation is unique and your auto insurance should be unique as well. These are some specific questions can aid in determining if you could use an agent’s help.
- Is my babysitter covered when using my vehicle?
- What does medical payments coverage do?
- What if an uninsured driver hits me?
- Is rental equipment covered for theft or damage?
- Am I covered when driving someone else’s vehicle?
- Do I pay less if my vehicle is kept in my garage?
- Is my Buick LaCrosse covered for smoke damage?
- Will I be non-renewed for getting a DUI or other conviction?
- If my car is totalled with they pay enough to replace it?
If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
Compare rates but buy from a local Austin insurance agent
Certain consumers would rather get professional advice from a licensed agent and that is OK! A nice benefit of getting free rate quotes online is that you can obtain the lowest rates and also buy local.
By using this short form, your information is transmitted to local insurance agents in Austin who want to provide quotes to get your business. It makes it easy because there is no need to search for any insurance agencies because quoted prices will be sent instantly to you. Get lower rates without the usual hassles of price shopping. If you have a need to get a rate quote from one company in particular, feel free to go to their quote page to submit a rate quote request.
Picking a insurance company requires more thought than just a cheap quote. Any agent in Austin should be forthright in answering these questions:
- What is the agency’s Better Business Bureau rating?
- How often do they review coverages?
- Is coverage determined by price?
- How much can you save by raising your physical damage deductibles?
- How much experience to they have in personal lines coverages?
Compare rates from both independent and exclusive car insurance agents
If you are wanting to purchase car insurance from a local Austin insurance agency, it’s important to understand the types of insurance agents and how they are slightly different. Austin agents can be described as either exclusive or independent agents depending on their company appointments.
Agents that choose to be exclusive can only provide one company’s prices like State Farm, Allstate, or Farmers Insurance. These agents are unable to shop your coverage around so they really need to provide good service. They are usually quite knowledgeable in insurance sales which helps overcome the inability to quote other rates. Some insured continue to use the same exclusive agent partially due to loyalty to the company and strong financial ratings.
Shown below are exclusive agents in Austin that are able to give price quotes.
- State Farm: Dick Clay
3006 Bee Cave Rd Suite B170 – Austin, TX 78746 – (512) 328-2340 – View Map
- David Simmons – State Farm Insurance Agent
1910 W Braker Ln #400 – Austin, TX 78758 – (512) 837-8825 – View Map
- Allstate Insurance: Cheri Roman
8103 Brodie Ln Ste 7 – Austin, TX 78745 – (512) 282-9999 – View Map
Independent Agents (or Brokers)
Agents in the independent channel do not write with just one company so as a result can place your coverage with many different companies and find you cheaper rates. If prices rise, your agent can just switch to a different company and that require little work on your part.
When searching for an agent, we recommend you get insurance quotes from independent agents so that you have a good selection of quotes to compare. Most independent agents also contract with smaller mutual companies which may provide better rates.
The following is a short list of independent agents in Austin who can help you get price quote information.
- AUSTIN AREA INSURANCE AGENCY
8711 Burnet Rd – Austin, TX 78757 – (512) 253-8726 – View Map
- Time Insurance Agency
1405 E Riverside Dr – Austin, TX 78741 – (512) 447-7773 – View Map
- Capitol City Insurance
8030 N Mopac Expy – Austin, TX 78759 – (512) 343-0280 – View Map
After getting good feedback and a good coverage price, you’ve probably found a car insurance agent that is a good match to service your policy. But keep in mind you can always cancel your coverage any time you want so never assume that you’re stuck with a policy with no way to switch.
Protect your Buick LaCrosse and other assets
Despite the high cost of buying insurance for a Buick LaCrosse in Austin, buying insurance is most likely required but also gives you several important benefits.
- Just about all states have mandatory insurance requirements which means you are required to carry a specific level of liability coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your LaCrosse has a lien holder, almost all lenders will require that you buy insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Buick for a much higher rate and force you to reimburse them much more than you were paying before.
- Insurance protects not only your car but also your assets. It will also provide coverage for many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of your driving. If you have damage to your Buick as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying enough insurance are without a doubt worth the cost, especially with large liability claims. But the average driver in Texas overpays as much as $810 a year so you should quote rates each time the policy renews to ensure rates are inline.
Persistent drivers can save
When searching for cheaper Austin car insurance quotes, you should never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped full coverage and found out when filing a claim they didn’t have enough coverage. The goal is to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.
Budget-conscious Buick LaCrosse insurance is possible on the web as well as from independent agents in Austin, so you need to quote Austin car insurance with both so you have a total pricing picture. Some auto insurance companies don’t offer online rate quotes and many times these small, regional companies sell through local independent agencies.
For more information, feel free to visit the articles below:
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- How Much are Auto Insurance Quotes for a Company Car in Austin? (FAQ)
- Who Has the Cheapest Car Insurance for Handicapped Drivers in Austin? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Mazda CX-7 in Austin? (FAQ)
- Who Has the Cheapest Car Insurance for Government Employees in Austin? (FAQ)
- Who Has Affordable Austin Car Insurance Quotes for 16 Year Olds? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- Liability Insurance Coverage (Nationwide)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Protecting Teens from Drunk Driving (Insurance Information Institute)