Save Money on Buick LaCrosse Insurance in New Orleans

It’s shocking but over 70% of Louisiana drivers kept buying from the same company for well over three years, and just short of a majority have never compared rate quotes at all. American drivers can save about $859 each year just by shopping around, but most undervalue the amount of money they would save if they moved their coverage to a different company.

Discount Buick LaCrosse insuranceThe preferred way to find cheaper quotes for car insurance rates is to compare prices at least once a year from different companies in New Orleans.

  1. Read and learn about how auto insurance works and the modifications you can make to prevent high rates. Many rating criteria that cause high rates such as traffic violations and poor credit can be eliminated by improving your driving habits or financial responsibility.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of companies. Get quotes now
  3. Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Tell your current agent or company of your decision to cancel your current policy. Submit any necessary down payment along with the completed application for your new policy. Don’t forget to place the new certificate verifying proof of insurance in a readily accessible location in your vehicle.

The key aspect of shopping around is to use the same liability limits and deductibles on every quote and and to analyze as many different insurance providers as possible. Doing this helps ensure a fair rate comparison and maximum price selection.

Choosing the best rates in New Orleans is really not that difficult. If you have coverage now or just want to save money, you can learn to shop for the lowest rates and possibly find even better coverage. Smart shoppers just have to learn the least time-consuming way to compare rate quotes from many companies at once.

Most of the larger companies such as State Farm and Allstate allow you to get prices on the web. Getting Buick LaCrosse insurance prices online doesn’t take a lot of time as all you need to do is type in the amount of coverage you want into a form. After you complete the form, the quote system automatically retrieves information on your driving record and credit history and returns pricing information based on these and other factors.

This makes it a lot easier to compare rates and it is imperative to compare as many rates as possible if you want to get the cheapest auto insurance rates.

To find out if lower rates are available, take a look at the companies shown below. If you have your current policy handy, we recommend you copy the coverages exactly as shown on your declarations page. This helps ensure you will have a rate comparison based on similar coverages.

The car insurance companies shown below have been selected to offer quotes in New Orleans, LA. If your goal is to find the best cheap car insurance in LA, we suggest you click on several of them to find the cheapest car insurance rates.

Get cheaper Buick LaCrosse insurance rates in New Orleans

Companies don’t list the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more well known as well as some of the hidden discounts you could be receiving when you buy New Orleans auto insurance online. If you don’t get every credit you qualify for, you’re paying more than you need to.Cheaper car insurance with discounts

It’s important to note that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck. But all discounts should help lower the premium cost.

The information below shows the comparison of Buick LaCrosse insurance prices with and without discounts applied to the policy rates. The information is based on a female driver, no claims or driving citations, Louisiana state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, marriage, multi-car, and claim-free discounts applied.

To view insurance companies who offer free Buick LaCrosse insurance quotes in New Orleans, click here to view.

Insurance coverage analysis

The coverage table below highlights different insurance costs for Buick LaCrosse models. Learning a little about how auto insurance prices are formulated can aid in making informed decisions.

Buick LaCrosse Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $348 $624 $446 $26 $134 $1,578 $132
Lacrosse CXL $348 $734 $446 $26 $134 $1,688 $141
Lacrosse CXL AWD $348 $734 $446 $26 $134 $1,688 $141
Lacrosse CXS $388 $734 $446 $26 $134 $1,728 $144
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Estimates do not factor in your specific New Orleans location which can change price quotes greatly.

Higher deductibles lower rates

The hardest decision when buying coverage is which deductibles should you choose. The comparisons below can help illustrate the price difference when you select higher and lower policy deductibles. The first data table uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Buick LaCrosse insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $406 $604 $394 $24 $118 $1,571 $131
Lacrosse CXL $406 $712 $394 $24 $118 $1,679 $140
Lacrosse CXL AWD $406 $712 $394 $24 $118 $1,679 $140
Lacrosse CXS $452 $712 $394 $24 $118 $1,725 $144
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Buick LaCrosse insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $250 $380 $394 $24 $118 $1,166 $97
Lacrosse CXL $250 $448 $394 $24 $118 $1,234 $103
Lacrosse CXL AWD $250 $448 $394 $24 $118 $1,234 $103
Lacrosse CXS $278 $448 $394 $24 $118 $1,262 $105
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in vehicle garaging location which can decrease or increase premium rates significantly.

Based on the figures above, using a $250 deductible will cost in the ballpark of $37 more each month or $444 a year than choosing the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 20 months between claims, you would probably save some money if you choose the higher deductible. The numbers below show the way this decision is made.

Average monthly premium for $250 deductibles: $139
Average monthly premium for $1,000 deductibles (subtract): – $102
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One thing to be aware of is that a higher deductible level means you will have to pay more if you have a claim. That will necessitate some money saved in the event you need to pay the deductible for vehicle repair.

Difference between liability only and full coverage rates

The information below visualizes the comparison of Buick LaCrosse insurance costs when comparing full coverage to liability only. The data is based on no claims or violations, $500 deductibles, drivers are single, and no policy discounts are applied.

When to buy liability coverage only

There is no set rule of when to exclude comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s assume your Buick LaCrosse replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after you pay the deductible. If premiums are more than $500 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where only buying liability is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Why Informed Consumers Pay Less for Buick LaCrosse Insurance

Many factors are taken into consideration when premium rates are determined. Some are obvious like your driving record, but others are not quite as obvious like where you live or your vehicle rating. Consumers need to have an understanding of the different types of things that go into determining the rates you pay for car insurance. When you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to lower premium levels.

Listed below are some of the most rate-impacting factors used by your company to calculate your rates.

Increase comp and collision deductibles and save – The deductibles you choose tell how much you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some coverage claims are colliding with a stationary object, collision with a deer, and having a roll-over accident. The more damage repair cost the insured is willing to pay, the less money you will pay for car insurance.

Employer stress can make you pay more – Did you know your career choice can influence rates? Occupations like judges, executives, and financial analysts generally have the highest rates because of intense work situations and extremely grueling work hours. On the other hand, occupations like farmers, engineers and homemakers get better rates.

Where you call home factors in – Residing in small towns and rural areas is a good thing when insuring your vehicles. Fewer people means fewer accidents and also fewer theft and vandalism claims. City drivers have to deal with more traffic problems and longer commutes to work. Higher commute times means higher likelihood of an accident.

Don’t get traffic citations – Good drivers receive lower rates than their less careful counterparts. Just one citation may increase your cost forty percent or more. Drivers who have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to prove financial responsibility with their state motor vehicle department in order to prevent a license revocation.

The example below highlights how speeding tickets and at-fault accidents influence Buick LaCrosse insurance costs for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Women pay lower costs – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, don’t assume that females are better drivers. Men and women cause accidents in similar percentages, but men get into accidents with more damage. In addition to higher claims, males also get ticketed for serious violations such as reckless driving.

The diagram below shows the difference between Buick LaCrosse insurance prices for male and female drivers. The rates are based on no accidents, no driving violations, comp and collision included, $250 deductibles, single marital status, and no discounts are applied to the premium.

Lower performance equals lower insurance premiums – The performance of the car you are buying insurance for makes a big difference in your auto insurance rates. The most favorable rates will generally be found on economy passenger models, but other factors influence the final cost greatly.

The chart below uses these assumptions: single female driver age 20, full coverage with $250 deductibles, and no discounts or violations. It illustrates Buick LaCrosse insurance rates compared to other vehicles that have a range of risk factors.

Add-on coverages push up rates – There are a lot of extra bells and whistles that you can buy on your car insurance policy. Coverage for things like replacement cost coverage, towing, and extra life insurance coverage may be wasting your money. They may seem like a good idea when discussing your needs, but if you’ve never needed them in the past think about removing them and cutting costs.

Buick LaCrosse insurance loss probability – Companies use statistical claims data to help determine costs. Vehicles that tend to have higher losses will be charged more to insure. The table below illustrates the compiled insurance loss statistics for Buick LaCrosse vehicles.

For each coverage type, the statistical loss for all vehicles, as an average, is equal to 100. Values that are below 100 imply a favorable loss record, while values over 100 indicate more frequent claims or an increased likelihood of larger losses.

Buick LaCrosse Insurance Claim Statistics
Specific Buick 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

Shop online but buy locally

Many drivers still prefer to sit down with an agent and that can be a great decision Professional agents can point out coverage gaps and will help you if you have claims. The biggest benefit of comparing rate quotes online is you may find lower premium rates and still buy from a local agent.

Find insurance agent in New OrleansTo make it easy to find an agent, after completing this quick form, your information is emailed to companies in New Orleans that can provide free New Orleans auto insurance quotes and help you find cheaper coverage. You never need to find an agent because quoted prices will be sent immediately to your email address. If for some reason you want to quote rates from a specific insurance company, you can always navigate to their website and submit a quote form there.

Finding the right insurer requires you to look at more than just the quoted price. These questions are important to ask:

If you want to buy insurance from a local New Orleans insurance agency, it helps to know the two different types of agents and how they can service your needs differently. Agents in New Orleans can be described as either exclusive or independent (non-exclusive). Either can insure your vehicles, but it’s a good idea to understand how they differ since it can affect buying decisions.

Exclusive Insurance Agents

Exclusive agencies can only place business with one company like American Family, State Farm, and Allstate. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are well trained on their company’s products which helps offset the inability to provide other markets. Some people will only buy from exclusive agents primarily because of high brand loyalty rather than low rates.

The following are New Orleans exclusive insurance agents that are able to give price quote information.

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Independent Agents (or Brokers)

These agents often have affiliation with several companies and that enables them to quote your coverage with many different companies and find you cheaper rates. If they find a lower price, they can switch companies in-house and you don’t have to find a new agent. If you are trying to find cheaper rates, you will want to include price quotes from at a minimum one independent agency to have the best price comparison. Many write coverage with small mutual carriers that may have much lower rates than larger companies.

Shown below is a short list of independent insurance agents in New Orleans who can help you get rate quotes.

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Once you have answers to your satisfaction to any questions you have as well as a affordable price, chances are good that you have found an insurance agent that meets the criteria to properly service your insurance policy. Just understand that once you purchase a policy you can cancel a policy any time you want so never feel that you are permanently stuck with a specific company for the full policy term.

Which auto insurance company is best in New Orleans?

Ending up with the right auto insurance company is hard considering how many companies there are in Louisiana. The information listed below could help you select which car insurance companies to look at purchasing from.

Top 10 New Orleans Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 New Orleans Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Shop around and save

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where drivers have reduced liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

We just showed you many tips how you can shop for Buick LaCrosse insurance online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may even discover the most savings is with a small local company.

Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, delays in paying claims and an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

More tips and info about car insurance can be found at these sites: