If you want to save the most money, the best way to get affordable Buick LaCrosse insurance is to begin comparing prices regularly from different companies who provide car insurance in Buffalo. You can shop around by following these guidelines.
- Step 1: Gain an understanding of auto insurance and the changes you can make to keep rates low. Many factors that drive up the price like your driving record and a less-than-favorable credit history can be controlled by making minor driving habit or lifestyle changes. Keep reading for information to help reduce premium rates and find overlooked discounts.
- Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple insurance companies. Click to view companies
- Step 3: Compare the new rate quotes to the premium of your current policy to determine if you can save on LaCrosse insurance. If you find a lower rate and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Tell your current agent or company to cancel your current auto insurance policy. Submit a down payment and signed policy application for your new coverage. Don’t forget to put the new certificate of insurance in an accessible location in your vehicle.
The key thing to remember is that you’ll want to make sure you compare similar coverage information on each quote request and and to compare all possible companies. This provides a fair price comparison and many rates to choose from.
It’s an obvious statement that insurance companies want to keep your business as long as possible. Insureds who shop for lower prices are highly likely to buy a new policy because there are good odds of finding lower rate quotes. Surprisingly, a recent survey revealed that people who made a habit of comparing rate quotes saved an average of $3,400 over four years compared to people who don’t make a habit of comparing rates.
If finding budget-friendly rates on Buick LaCrosse insurance is your ultimate target, then having a grasp of how to quote and compare coverage rates can make it simple to find affordable coverage.
The quickest method we recommend to compare insurance rates in your area is to know the trick most insurance companies provide online access to give rate comparisons. To get started, all you need to do is provide a little information like what your job is, any included safety features, if a SR-22 is required, and level of coverage desired. That information is sent automatically to multiple companies and you will receive price estimates immediately.
To start a quote now, click here and enter your coverage details.
The car insurance companies shown below are ready to provide price quotes in New York. In order to find the best cheap auto insurance in Buffalo, we recommend you click on several of them to get the most competitive price.
Don’t overlook these Buick LaCrosse insurance discounts
Some insurers don’t always list all their discounts very well, so the list below gives a summary of some of the more common as well as the least known ways to save on car insurance.
- Active Military Service – Being deployed with a military unit could mean lower prices.
- Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts may qualify for discounts of more than 20%.
- Senior Citizen Rates – Older drivers can get a small decrease in premiums.
- Club Memberships – Joining certain professional organizations can get you a small discount on car insurance.
- Low Mileage Discounts – Low annual miles may allow you to get lower prices due to less chance of an accident.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted car insurance rate on car insurance if you buy a life insurance policy as well.
- Accident Waiver – This one isn’t a discount, but a handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
- Student Discounts – Being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
- Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a Buffalo car insurance quote.
- Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course in school or through a local driver safety program.
Discounts save money, but please remember that many deductions do not apply to the whole policy. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous.
The information below shows the difference between Buick LaCrosse insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, no driving violations, no at-fault accidents, New York state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, safe-driver, multi-policy, and marriage discounts applied.
A few popular companies and some of the premium reductions they offer can be read below.
- Travelers offers premium reductions for student away at school, new car, save driver, home ownership, payment discounts, IntelliDrive, and continuous insurance.
- 21st Century policyholders can earn discounts including air bags, early bird, automatic seat belts, theft prevention, and driver training.
- State Farm may include discounts for anti-theft, defensive driving training, accident-free, driver’s education, and passive restraint.
- GEICO discounts include good student, driver training, anti-lock brakes, emergency military deployment, anti-theft, five-year accident-free, and federal employee.
- SAFECO includes discounts for homeowner, drive less, teen safety rewards, multi-car, teen safe driver, and accident prevention training.
- AAA offers discounts for multi-car, good driver, multi-policy, education and occupation, good student, and AAA membership discount.
When quoting, ask every prospective company what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies in Buffalo. To locate insurers that offer many of these discounts in New York, click here to view.
Rate information and statistics
The data table below outlines different insurance rates for Buick LaCrosse models. Having a better idea how insurance policy premiums are figured can be of help when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lacrosse CX | $230 | $344 | $226 | $14 | $68 | $882 | $74 |
| Lacrosse CXL | $230 | $406 | $226 | $14 | $68 | $944 | $79 |
| Lacrosse CXL AWD | $230 | $406 | $226 | $14 | $68 | $944 | $79 |
| Lacrosse CXS | $258 | $406 | $226 | $14 | $68 | $972 | $81 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific location information which can revise rates substantially.
Choosing deductibles
A question often asked by Buffalo drivers is where to set your physical damage deductibles. The rates below illustrate the price difference of buying low and high coverage deductibles. The first rate quote example uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lacrosse CX | $230 | $344 | $226 | $14 | $68 | $907 | $76 |
| Lacrosse CXL | $230 | $406 | $226 | $14 | $68 | $969 | $81 |
| Lacrosse CXL AWD | $230 | $406 | $226 | $14 | $68 | $969 | $81 |
| Lacrosse CXS | $258 | $406 | $226 | $14 | $68 | $997 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lacrosse CX | $142 | $216 | $226 | $14 | $68 | $666 | $56 |
| Lacrosse CXL | $142 | $256 | $226 | $14 | $68 | $706 | $59 |
| Lacrosse CXL AWD | $142 | $256 | $226 | $14 | $68 | $706 | $59 |
| Lacrosse CXS | $158 | $256 | $226 | $14 | $68 | $722 | $60 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in vehicle garaging location which can affect premium rates significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $21 more each month or $252 a year across all Buick LaCrosse models than buying the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average more than 36 months between claims, you would most likely save money by selecting a higher deductible.
Annual premiums for males compared to females
The example below shows the difference between Buick LaCrosse annual premium costs for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Cost comparison with and without full coverage
The example below shows the comparison of Buick LaCrosse insurance prices with liability coverage only compared to full coverage. The prices are based on no violations or accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There isn’t a steadfast formula of when to drop comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s assume your Buick LaCrosse replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying your policy deductible. If you are paying more than $800 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some circumstances where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
How do Insurance Providers Determine Buick LaCrosse Insurance Prices?
Multiple criteria are taken into consideration when you get your auto insurance bill. Some are obvious like your driving record, but others are not quite as obvious like your continuous coverage and annual miles driven. An important part of buying insurance is that you know a few of the rating criteria that go into determining your car insurance rates. If you have some idea of what influences your rates, this enables you to make decisions that will entitle you to better car insurance rates.
The following are a few of the “ingredients” used by your company to calculate rates.
-
Traffic violations increase premiums – Good drivers get better rates than their less careful counterparts. Even a single chargeable violation can increase rates by as much as twenty percent. Drivers with severe tickets like DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive a vehicle.
The example below shows how violations and accidents can impact Buick LaCrosse insurance prices for different ages of insureds. Data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
- Do you work long hours in a demanding vocation? – Occupations like fire fighters, air traffic controllers, and miners generally pay higher premium rates attributed to intense work situations and lots of time spent away from family. On the flip side, professions such as farmers, historians and homemakers have lower than average premiums.
- Getting married is a bonus – Getting married actually saves money on car insurance. Marriage is viewed as being less irresponsible and statistics show drivers who are married file infrequent claims.
- Liability limits on your policy – Liability coverage is the protection when you are ruled to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can cost a lot. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
- High credit scores save money – An insured’s credit score will be a significant factor in determining your rates. People that have excellent credit scores tend to be less risk to insure than those with lower credit ratings. Therefore, if your credit rating is low, you could be paying less to insure your Buick LaCrosse by spending a little time repairing your credit.
- Drive fewer miles and save – The more you drive annually the more you’ll pay to insure your vehicle. A lot of insurance companies charge to insure your cars based on their usage. Cars and trucks left parked in the garage receive lower rates than vehicles that have high annual mileage. Verify your car insurance coverage is showing the correct usage for each vehicle. Incorrect rating for your LaCrosse can cost quite a bit.
-
Buick LaCrosse claim data – Insurers factor in historical loss data in order to profitably underwrite each model. Models that have high amounts or severity of claims will be charged more to insure. The table below illustrates the historical insurance loss data for Buick LaCrosse vehicles.
For each policy coverage, the claim amount for all vehicles, regardless of manufacturer or model, is equal to 100. Values that are under 100 indicate better than average losses, while values that are above 100 indicate a higher chance of having a claim or tendency to have higher losses.
Auto Insurance Loss Data for Buick LaCrosse Models 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
You may need advice from an insurance agent
Many people would prefer to talk to a local agent and often times that is recommended Good agents are trained to spot inefficiencies and give you someone to call. An additional benefit of comparing insurance prices online is you may find the best rates and still have a local agent.
Once you complete this short form, your information is submitted to insurance agents in Buffalo that can provide free Buffalo car insurance quotes for your insurance coverage. You don’t have to find an agent as quotes are delivered instantly to you. If you wish to get a comparison quote from one company in particular, you just need to jump over to their website and complete a quote there.
Choosing an company should depend on more than just a cheap quote. Here are some questions you should ask.
- Is the agent and/or agency licensed to do business in New York?
- Does the company have a solid financial rating?
- Where are claims handled?
- Can you contact them at any time?
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the agent recommend any additional coverage?
When narrowing the list to find a reliable insurance agent, it’s important to understand the types of insurance agents that differ in how they can insure your vehicles. Insurance agencies are considered either independent agents or exclusive agents depending on their employer. Both can write insurance policies, but it’s important to point out why they differ because it can factor into your selection of an agent.
Exclusive Agencies
Exclusive agencies are contracted to one company such as Allstate and State Farm. Exclusive agents are unable to compare other company’s rates so they really need to provide good service. Exclusive agents are usually quite knowledgeable on their products and sales techniques which aids in selling service over price.
Shown below are Buffalo exclusive agencies that can give you price quotes.
George Ihle III – State Farm Insurance Agent
7718 Buffalo Ave – Niagara Falls, NY 14304 – (716) 283-9100 – View Map
State Farm: Dan Hawrylczak
1335 Hertel Ave – Buffalo, NY 14216 – (716) 873-3771 – View Map
Joe Czaja – State Farm Insurance Agent
1021 Union Rd – Buffalo, NY 14224 – (716) 674-3654 – View Map
Independent Agencies or Brokers
These type of agents are appointed with more than one company so they have the ability to put coverage with any number of different companies and help determine which has the cheapest rates. If your premiums go up, they simply move your policy to a different company and you don’t have to do anything.
If you are comparing rate quotes, we recommend you include rate quotes from multiple independent agents so that you have a good selection of quotes to compare.
Below are independent insurance agents in Buffalo that can give you price quote information.
Niagara National Insurance
5001 Genesee St – Buffalo, NY 14225 – (716) 684-6000 – View Map
Petrella Agency Inc
3411 Delaware Ave # 7 – Buffalo, NY 14217 – (716) 874-1400 – View Map
P.A.G. Agency Inc
1660 Kensington Ave – Buffalo, NY 14215 – (716) 835-3221 – View Map
Will just any policy work for me?
Keep in mind that when it comes to choosing your policy for your personal vehicles, there really isn’t a “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that.
Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.
- What does PIP insurance cover?
- Does medical payments coverage apply to all occupants?
- What is motorclub and do I need it?
- Is my custom paint covered by insurance?
- Is my custom stereo system covered?
- When should I drop full coverage on my Buick LaCrosse?
- When should I buy a commercial auto policy?
- Who does medical payments coverage extend to?
- How high should my medical payments coverage be?
- Does coverage follow the driver or the vehicle?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Buffalo car insurance companies ranked
Insuring your vehicle with the highest-rated company can be a challenge considering how many different companies sell coverage in Buffalo. The company rank data shown next can help you decide which providers to look at purchasing coverage from.
Top 10 Buffalo Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Allstate
- Farmers Insurance
Top 10 Buffalo Car Insurance Companies Ranked by Value
- The General
- Erie Insurance
- The Hartford
- Mercury Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
Shop around and save
In this article, we presented a lot of techniques to lower your Buick LaCrosse insurance prices in Buffalo. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even be surprised to find that the most savings is with a small mutual company. They may have significantly lower rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.
Lower-priced Buick LaCrosse insurance in Buffalo can be sourced online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide the ability to get quotes online and these regional insurance providers prefer to sell through independent insurance agents.
More articles
- Winter Driving (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Low Mileage Drivers in Buffalo? (FAQ)
- What Insurance is Cheapest for Lyft Drivers in Buffalo? (FAQ)
- What is the Best Cheap Auto Insurance in Buffalo, NY? (FAQ)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)
- Shopping for a Safe Car (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)