Buick LaCrosse Insurance Rate Quotes in Anchorage

Insurance rates Buick LaCrosse in AnchorageIt’s well known that car insurance companies don’t want policyholders to compare prices from other companies. People who shop around for cheaper prices are highly likely to switch companies because the odds are good of finding discount prices. Remarkably, a study showed that consumers who compared rates regularly saved approximately $72 a month compared to drivers who never shopped around.

If finding budget-friendly rates on auto insurance is your goal, then understanding how to shop and compare cheaper coverage can save time and money.

Truthfully, the best way to get the cheapest Buick LaCrosse insurance is to regularly compare quotes from providers who sell auto insurance in Anchorage.

  1. Try to learn about individual coverages and the measures you can control to prevent high rates. Many rating factors that cause rate increases like accidents, traffic tickets, and poor credit rating can be remedied by making minor changes in your lifestyle. Keep reading for instructions to get cheaper coverage and find discounts that may have been missed.
  2. Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while independent agents can quote rates from multiple sources. Click to view companies
  3. Compare the price quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find better rates and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide adequate notice to your current company of your intention to cancel your current car insurance policy and submit a down payment and signed policy application for the new coverage. Don’t forget to store the certificate verifying coverage in an easily accessible location.

The key aspect of shopping around is to make sure you’re comparing similar deductibles and liability limits on every quote and and to get prices from all possible companies. This enables an accurate price comparison and a thorough selection of prices.

Quoting and comparing the best-priced auto insurance policy in Anchorage is not that difficult. If you have a policy now or are just looking to switch companies, follow these tips to reduce the price you pay without having to cut coverage. Shoppers only need an understanding of how to get comparison quotes online.

The quickest method to compare car insurance company rates for Buick LaCrosse insurance in Anchorage is to know the trick auto insurance companies actually pay money for the chance to give rate comparisons. The only thing you need to do is provide details such as how much you drive, whether your vehicle is owned or leased, driver ages, and what you do for a living. The data is instantly sent to multiple companies and they return rate quotes immediately.

To find the cheapest Buick LaCrosse insurance rates, click here and enter the information requested.

The car insurance companies shown below are our best choices to provide quotes in Anchorage, AK. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get a more complete price comparison.

Get cheaper Buick LaCrosse insurance rates in Anchorage

Not too many consumers would say car insurance is affordable, but there could be available discounts to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but some must be specially asked for before being credited. If you do not check that you are getting every discount possible, you could be paying more than you need to.Car insurance discounts

Discounts save money, but please remember that some credits don’t apply to the whole policy. Most cut individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, it’s just not the way it works.

The illustration below illustrates the difference between Buick LaCrosse car insurance costs with and without some available policy discounts. Data assumes a female driver, no tickets, no at-fault accidents, Alaska state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, claim-free, multi-policy, and marriage discounts applied.

A few companies that may offer quotes with these benefits possibly include:

When getting a coverage quote, ask each company or agent the best way to save money. Some discounts listed above might not be offered on policies in Anchorage. To view insurance companies that offer the discounts shown above in Anchorage, click here.

Buick LaCrosse coverage analysis

The coverage table displayed below outlines detailed analysis of insurance costs for Buick LaCrosse models. Understanding more about how rate quotes are established can assist in making smart choices when purchasing an insurance policy.

Buick LaCrosse Insurance Rates in Anchorage, AK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $204 $348 $262 $16 $78 $908 $76
Lacrosse CXL $204 $410 $262 $16 $78 $970 $81
Lacrosse CXL AWD $204 $410 $262 $16 $78 $970 $81
Lacrosse CXS $228 $410 $262 $16 $78 $994 $83
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific location which can alter premiums noticeably.

Choosing deductibles

One of the more difficult decisions when buying auto insurance is where should you set your physical damage deductibles. The comparison tables below help summarize the premium difference when you select higher and lower comp and collision deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Buick LaCrosse insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $238 $354 $232 $14 $70 $933 $78
Lacrosse CXL $238 $418 $232 $14 $70 $997 $83
Lacrosse CXL AWD $238 $418 $232 $14 $70 $997 $83
Lacrosse CXS $264 $418 $232 $14 $70 $1,023 $85
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Buick LaCrosse insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $192 $286 $232 $14 $70 $794 $66
Lacrosse CXL $192 $336 $232 $14 $70 $844 $70
Lacrosse CXL AWD $192 $336 $232 $14 $70 $844 $70
Lacrosse CXS $214 $336 $232 $14 $70 $866 $72
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Information does not factor in vehicle location which can impact premium rates considerably.

We can derive from the above data that using a $250 deductible will cost you about $12 more each month or $144 for a full year than opting for 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 have at a minimum 21 months between claims, you would save more money going with the higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $82
Average monthly premium for $500 deductibles (subtract): – $70
Monthly savings from raising deductible: $12
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Reckless driving habits raise Anchorage auto insurance rates

The diagram below demonstrates how citations and accidents can influence Buick LaCrosse car insurance rates for different insured age categories. The premium estimates are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.

Cost comparison with and without full coverage

The information below illustrates the comparison of Buick LaCrosse insurance premiums with full physical damage coverage compared to only buying liability only. The data is based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no set guideline to delete full coverage on your policy, but there is a broad 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 might be time to consider dropping full coverage.

For example, let’s pretend your Buick LaCrosse replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after paying your policy deductible. If it’s costing in excess of $500 annually to have full coverage, then it might be time to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not buy liability only.

Seven Things That Determine Your Insurance Premiums

When buying auto insurance it’s important to understand some of the elements that help calculate auto insurance rates. If you have a feel for what influences your rates, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

Bump up deductibles to lower rates – Insurance for physical damage, also known as collision and other-than-collision, protects your Buick from damage. Some examples of claims that would be covered would be running into the backend of another car, hail damage, and having your car stolen. Your deductibles tell how much you are willing to pay out-of-pocket if a claim is determined to be covered. The more the insured has to pay upfront, the bigger discount you will receive.

Rates may be higher where you live – Residing in a small town can be a good thing when trying to find low car insurance rates. Residents of big cities have much more traffic and higher rates of accident claims. Lower population means reduced accidents in addition to fewer liability claims.

Guys are more aggressive – The statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that males are worse at driving than females. Men and women cause at-fault accidents at a similar rate, but guys cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.

The diagram below shows the difference between Buick LaCrosse auto insurance rates for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Your career may increase rates – Jobs such as real estate brokers, business owners, and dentists have higher rates than average due to high stress levels and lots of time spent away from family. On the flip side, professions such as farmers, athletes and homemakers pay lower than average rates.

Multiple policies with one company – Lots of insurers provide lower prices to people who carry more than one policy. It’s known as a multi-policy discount. Even if you’re getting this discount you may still want to compare other Anchorage LaCrosse insurance rates to help guarantee you have the best rates.

Rates go up with performance – The performance of the car or truck you need to insure makes a significant difference in your car insurance bill. The lowest premiums are generally reserved for lower cost passenger cars, but there are many factors that impact the final cost.

The following data assumes a single male driver age 30, full coverage with $100 deductibles, and no discounts or violations. The data compares Buick LaCrosse rates compared to other models that have a range of performances.

Do you really need to file those policy claims? – Insurance companies in Alaska award better rates to insureds who do not file claims often. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Auto insurance is designed for claims that pose a financial burden.

Buick LaCrosse claim probability – Companies use claims history to determine a price that will be profitable for them. Models that are shown to have increased claim numbers or amounts will have higher rates for specific coverages. The table shown below demonstrates the loss history for Buick LaCrosse vehicles.

For each coverage category, the claim amount for all vehicles, as a total average, is equal to 100. Values that are 100 or less imply a favorable loss record, while values that are above 100 indicate higher probability of having a loss or statistically larger losses.

Car Insurance Loss Data for Buick LaCrosse Models
Make and 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comparing quotes from local Anchorage insurance agents

Many people would rather talk to an insurance agent and that can be a great decision Insurance agents are trained risk managers and help in the event of a claim. The biggest benefit of comparing rate quotes online is the fact that you can find cheaper rates and still buy from a local agent. And buying from neighborhood insurance agencies is definitely important in Anchorage.

Insurance agents in AnchorageOnce you complete this quick form, your coverage information is immediately sent to insurance agents in Anchorage that provide free Anchorage car insurance quotes for your business. It’s much easier because you don’t need to leave your computer since price quotes are sent directly to you. If you wish to compare prices from one company in particular, you can always search and find their rate quote page and fill out their quote form.

Shown below is a list of car insurance companies in Anchorage that are able to give comparison quotes for Buick LaCrosse insurance in Anchorage.

8201 Old Seward Hwy aAnchorage, AK 99518(907) 344-3301View Map

3304 Spenard RdAnchorage, AK 99503(907) 561-7671View Map

3000 A St #400Anchorage, AK 99503(907) 277-1616View Map

Alaskan General Insurance
1400 W Benson Blvd # 500Anchorage, AK 99503(907) 297-4500View Map

More insurance agents

Finding a good insurer should depend on more than just a cheap price quote. Any good agent in Anchorage should know the answers to these questions.

After you get good responses to these questions as well as a affordable price, you may have found an insurer that will insure your vehicles. It’s important to know that you can always cancel coverage at any point so don’t feel you’re contractually obligated to any specific agency for the full term.

Persistence is the key to affordable rates

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. In many instances, an insured cut liability limits or collision coverage only to regret they didn’t have enough coverage. The proper strategy is to get the best coverage possible at the best cost, not the least amount of coverage.

Lower-priced auto insurance in Anchorage can be bought online and with local Anchorage insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies may not provide online quoting and these regional insurance providers only sell coverage through independent agencies.

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