Buick LaCrosse Insurance Rates in Mesa

Insurance rates Buick LaCrosse in MesaThe preferred way to get affordable Buick LaCrosse insurance is to compare prices regularly from insurance carriers who can sell car insurance in Mesa. Price quotes can be compared by following these steps.

  1. Gain an understanding of the coverage provided by your policy and the steps you can take to lower rates. Many rating factors that cause high rates such as traffic violations, accidents, and a low credit score can be eliminated by making small lifestyle or driving habit changes. This article gives more ideas to find cheap prices and find more discounts that you may not know about.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can give you price quotes for many different companies.
  3. Compare the new rate quotes to your existing policy and determine if cheaper LaCrosse coverage is available. If you can save money, make sure there is no lapse in coverage.
  4. Provide notification to your current company of your intent to cancel your existing policy and submit a down payment along with a signed application to the new company. Make sure you keep the new certificate verifying proof of insurance somewhere easily accessible.

The most important part of shopping around is that you’ll want to make sure you compare identical coverages on every quote request and and to get rates from as many carriers as you can. Doing this helps ensure a fair price comparison and a good representation of prices.

Anyone knows that auto insurance companies don’t want you comparing rates. Insureds who shop around annually will presumably buy a different policy because of the high probability of finding coverage at a more affordable price. Remarkably, a study showed that consumers who shopped around annually saved over $860 a year compared to other drivers who never compared rates.

If finding low prices for auto insurance is your ultimate goal, then having some knowledge of how to quote and compare insurance premiums can help you succeed in finding affordable rates.

The following companies can provide free quotes in Arizona. If your goal is to find cheap auto insurance in Arizona, we suggest you visit several of them to get a more complete price comparison.

Buick LaCrosse coverage statistics

The coverage information below highlights detailed analysis of coverage prices for Buick LaCrosse models. Having a better idea how insurance policy premiums are formulated is important for drivers to make informed decisions.

Buick LaCrosse Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $138 $240 $288 $18 $86 $770 $64
Lacrosse CXL $138 $284 $288 $18 $86 $814 $68
Lacrosse CXL AWD $138 $284 $288 $18 $86 $814 $68
Lacrosse CXS $154 $284 $288 $18 $86 $830 $69
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in specific zip code location which can impact insurance rates considerably.

Physical damage deductible comparison

One frequently asked question is how high or low should comp and collision deductibles be. The following insurance rates summarize the premium difference between high and low coverage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Buick LaCrosse insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $262 $390 $254 $16 $76 $1,023 $85
Lacrosse CXL $262 $460 $254 $16 $76 $1,093 $91
Lacrosse CXL AWD $262 $460 $254 $16 $76 $1,093 $91
Lacrosse CXS $292 $460 $254 $16 $76 $1,123 $94
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Buick LaCrosse insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $212 $314 $254 $16 $76 $872 $73
Lacrosse CXL $212 $370 $254 $16 $76 $928 $77
Lacrosse CXL AWD $212 $370 $254 $16 $76 $928 $77
Lacrosse CXS $236 $370 $254 $16 $76 $952 $79
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Table data does not factor in your specific Mesa location which can impact premium rates substantially.

Based on this data, using a $250 deductible will cost in the ballpark of $13 more each month or $156 annually across all Buick LaCrosse models than buying the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 19 months between claim filings, you would more than likely save some money if you choose a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $90
Average monthly premium for $500 deductibles (subtract): – $77
Monthly savings from raising deductible: $13
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One thing to note is that raising deductibles means you will have to pay more when you have a physical damage claim. That will require enough disposable savings in order to pay the deductible to have repairs made.

Tickets and at-fault accidents raise rates

The chart below highlights how traffic violations and at-fault collisions can influence Buick LaCrosse auto insurance rates for each different age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The information below illustrates the comparison of Buick LaCrosse insurance costs with full coverage compared to only the Arizona minimum liability coverage. The data assumes a clean driving record, no claims, $250 deductibles, single marital status, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There is no definitive rule for phasing out physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s pretend your Buick LaCrosse book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after you pay the deductible. If you are paying more than $400 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where removing full coverage is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

How to Lower Your Insurance Prices

Many things are used when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, although some other factors are less obvious like your continuous coverage and annual miles driven.

Choosing LaCrosse insurance is an important decision

Despite the high cost of buying insurance for a Buick LaCrosse in Mesa, insuring your vehicle may be mandatory for several reasons.

The benefits of carrying enough insurance definitely exceed the price paid, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $810 a year so compare quotes from several companies every year to save money.

Auto insurance company ratings

Choosing the right insurance company can be rather challenging considering how many choices you have in Mesa. The ranking data below may help you choose which car insurance providers you want to consider purchasing from.

Best Auto Insurance Companies in Mesa
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies