Affordable Insurance for a Buick LaCrosse in Boston

Are you tired of overpaying and want the cheapest Buick LaCrosse insurance in Boston? Think you have an under-performing, overpriced car insurance policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Unthinkable but true, a large majority of consumers kept their policy with the same company for well over three years, and nearly the majority have never shopped around. With the average premium in Massachusetts being $1,400, drivers could save an average of up to $590 each year by just comparing rate quotes, but they underestimate the big savings they would realize if they switched to a cheaper policy.

You have multiple car insurance companies to buy insurance from, and though it is a good thing to have a selection, it makes it harder to compare rates and cut insurance costs.

The most recommended method to compare insurance rates from multiple companies is to understand most of the larger companies actually pay money for the chance to give rate comparisons. All consumers are required to do is provide a little information including which vehicles you own, if the vehicle is leased, driver ages, and how your vehicles are used. Those rating factors is then submitted to multiple top-rated companies and you receive quotes almost instantly.

To find lower cheaper Buick LaCrosse insurance rates now, click here and find out if lower rates are available in Boston.

The companies shown below can provide free rate quotes in Boston, MA. To get the best auto insurance in Boston, we recommend you visit two to three different companies to get the best price comparison.

Analysis of Buick LaCrosse rates

The coverage table shown below covers detailed analysis of insurance premium costs for Buick LaCrosse models. Learning as much as possible about how insurance rates are established can help drivers make informed purchases.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in vehicle location which can change rates noticeably.

Raise deductibles and save

One of the most common auto insurance questions is how high should the physical damage deductibles be. The comparison tables below may aid in understanding the price difference when you choose different insurance deductibles. The first table uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in specific location information which can alter price quotes noticeably.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $37 more each month or $444 for a full year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 24 months between claim filings, you would most likely save money if you opt for a higher deductible.

An important sidenote is that raising deductibles means you will have to cover more of the damage yourself at claim time. That will force you to have some available funds in the event you have to pay the higher deductible.

The example below illustrates how your deductible choice and can raise or lower Buick LaCrosse insurance prices for different age groups of insureds. The premium estimates are based on a married female driver, full coverage, and no discounts are taken into consideration.

Accidents and violations increase rates

The diagram below demonstrates how citations and accidents can raise Buick LaCrosse insurance premiums for different age groups of insureds. Data assumes a single female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

Liability only or full coverage

The example below illustrates the comparison of Buick LaCrosse car insurance costs with liability coverage only compared to full coverage. The premiums assume no violations or accidents, $250 deductibles, drivers are not married, and no additional discounts are factored in.

Are you wasting money paying for full coverage?

There is no set rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s say your Buick LaCrosse book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after the policy deductible has been paid. If it’s costing you more than $800 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are a few situations where only buying liability is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Here’s why car insurance is not optional

Even though it can be expensive, buying car insurance is a good idea for several reasons.

• The majority of states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance if you drive a vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your LaCrosse has a loan, it’s guaranteed your bank will stipulate that you carry insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Buick at a much higher premium rate and force you to pay for it.
• Car insurance preserves not only your Buick LaCrosse but also your financial assets. It will also reimburse you for medical transport and hospital expenses that are the result of an accident. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you have damage to your Buick as the result of the weather or an accident, comprehensive and collision coverage will cover the repair costs.

The benefits of insuring your car definitely exceed the cost, especially if you ever need it. But the average driver in Massachusetts is overpaying more than $865 each year so compare rate quotes each time the policy renews to be sure current rates are still competitive.

Get cheaper rates on Buick LaCrosse insurance in Boston with these seven discounts

Some companies don’t always publicize the entire discount list in a way that’s easy to find, so the below list has both the well known as well as some of the hidden discounts that may be available.

• 55 and Retired – If you’re over the age of 55, you can get lower premium rates.
• Membership in Organizations – Being a member of qualifying employment or professional organizations could qualify you for a break on your bill.
• Distant Student Discount – Youth drivers who live away from home to go to college and do not have a car may qualify for this discount.
• Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more on LaCrosse insurance in Boston.
• Good Student Discount – Being a good student may save as much as 25% on a Boston auto insurance quote. Most companies allow this discount well after school through age 25.
• Passive Restraint Discount – Factory options such as air bags may earn rate discounts of 20% or more.
• Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you can actually save on your bill.

Please keep in mind that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

The illustration below shows the difference between Buick LaCrosse insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no claims or violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, homeowner, and multi-policy discounts applied.

To choose auto insurance companies that offer many of these discounts in Boston, click this link.

Don’t I need to contact a local insurance agent?

Many people just prefer to buy from a licensed agent and doing that can be a smart decision An additional benefit of getting online price quotes is that drivers can save money and get the lowest rates and also buy local.

Once you complete this simple form, your coverage information is instantly submitted to local insurance agents that can give you free Boston auto insurance quotes to get your business. You won’t even need to find an agent on your own due to the fact that quote results will go directly to your email. It’s the lowest rates without a big time investment. If you have a need to get a comparison quote from one company in particular, don’t hesitate to find their quoting web page and submit a quote form there.

Selecting an provider should depend on more than just the price. Here are some questions to ask:

• Does the company allow you to choose your own collision repair facility?
• Do you need full coverage on every vehicle?
• How would your car be valued if totaled?
• How long has their agency been open in Boston?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

If you need to find a good insurance agency, it’s helpful to know the different agency structures and how they can service your needs differently. Agents in Boston are classified as either independent or exclusive.

Exclusive Agencies

These type of agents can only provide one company’s prices and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They are unable to compare rates from other companies so you need to shop around if the rates are high. These agents are well trained on their company’s products and that enables them to sell even at higher rates.

Shown below are Boston exclusive agents that can give you rate quotes.

View more Boston agents

Independent Auto Insurance Agents

Agents that choose to be independent do not sell for just one brand and that allows them to write policies with an assortment of companies and find the cheapest rate. If your premiums go up, an independent agent can move your coverage and you won’t have to switch agencies. When comparing rates, you should always get some free quotes from a couple of independent agencies in order to have the best price comparison.

The following are Boston independent insurance agencies who can help you get price quotes.

View more Boston agents

If you get positive responses for all questions you ask and a low price estimate, you have narrowed it down to a car insurance agent that meets the criteria to service your policy.

Specific coverage details

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law (Massachusetts limits are 20/40/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision protection

This pays for damage to your LaCrosse from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, colliding with a tree, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your LaCrosse to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like hospital visits, doctor visits, surgery and funeral costs. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, damage from flooding, damage from getting keyed and rock chips in glass. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

This can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 20/40/5 that translate to $20,000 in coverage for each person’s injuries, a limit of $40,000 in injury protection per accident, and property damage coverage for $5,000.

Liability can pay for claims like bail bonds, loss of income and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Massachusetts state minimum liability requirements are 20/40/5 but drivers should carry more liability than the minimum.

The next chart demonstrates why the minimum limit may not be high enough to adequately cover claims.

Compare. Compare. Compare.

There are still a few companies who may not have online price quotes and many times these small insurance companies sell through independent insurance agencies. Affordable Buick LaCrosse insurance in Boston is definitely available both online as well as from independent agents in Boston, and you should compare price quotes from both so you have a total pricing picture.

We covered many tips how you can reduce Buick LaCrosse insurance prices online in Boston. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the lowest priced auto insurance comes from the smaller companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

Steps to finding low-cost Buick LaCrosse insurance in Boston

The easiest way to find cheaper Buick LaCrosse insurance in Boston is to regularly compare quotes from providers in Massachusetts. Prices can be compared by following these steps.

1. Try to learn a little about how your policy works and the changes you can make to drop your rates. Many things that result in higher rates such as accidents, careless driving, and poor credit history can be amended by making small lifestyle or driving habit changes.
2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can provide prices from multiple sources.
3. Compare the price quotes to your current policy premium to see if a cheaper rate is available. If you can save some money and change companies, ensure there is no coverage lapse between policies.
4. Notify your agent or company of your intent to cancel the current policy and submit payment and a completed application to your new insurance company. As soon as coverage is bound, place your new proof of insurance paperwork somewhere easily accessible.

An essential thing to point out is to make sure you enter similar limits and deductibles on every price quote and and to get prices from every company you can. Doing this enables an accurate price comparison and a thorough selection of prices.

Helpful articles

• Vehicle Safety Ratings (iihs.org)
• Who Has the Cheapest Auto Insurance for a Ford Explorer in Boston? (FAQ)
• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance: When not to Skimp (BankRate.com)