Car Insurance Quotes for a Buick LaCrosse

Although the LaCrosse was discontinued in 2019, people still love the luxurious interior. Currently, the average monthly premium for a Buick LaCrosse auto policy is $149 for full and $79 for minimum liability coverage.

Some drivers opt for a full coverage policy with liability, collision, and comprehensive to cover an accident adequately.

Freeway Insurance is ready to provide guidance if you need clarification on what type of policy options make the most sense. We’re more than prepared to help you decipher your coverage needs.

There are auto policy options Buick LaCrosse drivers can choose that include the state required minimum liability and full coverage.

Full coverage offers a blend of first and third-party benefits. Whereas liability by itself only offers third-party benefits, full coverage combines liability (third-party benefits) with collision and comprehensive coverage (first-party benefits)

Full Coverage

In the insurance world, full coverage refers to any policies that carry a combination of liability, collision, and comprehensive.

All three offer benefits that cover the cost of injuries and damages to first and third parties.

Collision pays for repairs or replacement to vehicles or parts caused by vehicle-to-vehicle, vehicle-to-object, and rollover collisions. In turn, comprehensive pays for damages to your car caused by non-collision-related incidents such as theft, falling objects, natural disasters, and deer hits

For several hundred dollars more per year may be well worth it. The greater your coverage, the greater your peace of mind anytime you’re on the road.

State Minimum Liability

The state minimum liability is legally required and consists of bodily injury and property damage liability.

To drive, you must have an active auto insurance policy with at least the state minimum liability limits for bodily injury and property damage.

Every state has its limits. For example, Delaware requires that all drivers carry $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $10,000 in property damage per accident.

Note that these are only the minimum legal requirements. Many drivers choose to carry higher liability limits. With the average cost of a new vehicle now over $45,000, a single fender bender or minor collision can easily blow past Delaware’s super low $10,000 in property damage liability limit, forcing you to go out of pocket to pay any remaining costs to third parties.

Outside of age, driving record, and vehicle characteristics, dozens of other factors influence the cost of Buick LaCrosse premiums.

These factors include coverage limits, discount eligibility, and annual mileage.

Coverage Limits

As for coverage limits, higher limits and extra add-ons will provide greater protection. Full coverage with first-party benefits (e.g., collision and comprehensive) offers Buick LaCrosse drivers much better protection than a liability-only policy, which only provides third-party benefits (covering the cost of damages or injuries sustained by third parties, not to the driver or higher vehicle).

Discount Eligibility

Secondly, being eligible for discounts can save you a pretty penny. You can easily save up to 25% off your premium by combining discounts such as safe driver and bundling discounts. Additionally, enrolling in a telematics program can pay dividends. By allowing your auto insurance company to track your driving behavior (e.g., driving speed and time of day) using a Bluetooth beacon or GPS-enabled device with a downloaded app can save even more.

Annual Mileage

Lastly, remember annual mileage. Drivers who log fewer miles annually have a lower risk of accidents and claims, thus pay lower rates.

If you want to skyrocket your premiums, one of the fastest ways to do it is to be convicted of a DUI.

After first-time DUI convictions, expect severe consequences, including doubled or tripled premiums (depending on the severity of the offense). The exact amount it will increase depends on several factors, including prior driving record, and number of claims. Depending on the state, expect your premiums to remain elevated for at least 3 years and as long as 10 years.

Maintaining a clean driving record is one of the best ways to earn back lower premiums. Around the 3- to 5-year mark, your rate should stabilize and turn downward, assuming no new infractions.

Lastly, you may also be required to file an SR-22 — a proof of financial responsibility that lets your state’s Department of Motor Vehicles know you carry the minimum required policy to drive legally. Failure to have one will result in a driver’s license and registration suspension on top of fines and other administrative hassles.

One of the best ways policyholders can save is by enrolling in discount programs. In exchange for maintaining a clean driving record and dozens of other factors, expect up to 25% off your premium, depending on the insurer.

The most popular types of discounts include good driver and multi-policy discounts.

Expect a good driver discount if you have maintained a clean driving record for at least three to five years, free of moving violations, traffic citations, and at-fault accidents. The safer your driving behavior, the lower your costs. Likewise, multi-policy discounts can reward you for purchasing two or more policies under the same umbrella.

Other discounts you may be eligible for include but are not limited to: