Car Insurance Quotes for a Buick LaCrosse in Tucson

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Insurance rates Buick LaCrosse in TucsonRegrettably, a large majority of drivers have stayed with the same insurance company for over three years, and almost 40% of drivers have never shopped around. With the average auto insurance premium being $1,578, Arizona drivers could pocket nearly $700 a year just by comparing rates, but they just don't understand the rate savings if they switch to a new company.

If you want to save money, the best way to find the cheapest price for Buick LaCrosse insurance is to regularly compare quotes from companies who can sell car insurance in Tucson. This can be done by following these guidelines.

  • First, try to learn about individual coverages and the steps you can take to keep rates in check. Many things that cause high rates such as multiple speeding tickets and a substandard credit history can be rectified by making small lifestyle or driving habit changes.
  • Second, quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while agents who are independent can provide price quotes for a wide range of companies.
  • Third, compare the new quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.
  • Fourth, notify your agent or company of your intention to cancel your existing policy and submit a signed application and payment to your new insurance company. As soon as you can, place your new certificate verifying proof of insurance in an accessible location in your vehicle.

The key aspect of shopping around is to make sure you enter similar coverage information on every price quote and and to get rates from as many companies as feasibly possible. Doing this ensures a fair price comparison and a better comparison of the market.

Buying the cheapest insurance in Tucson can really be easy if you know what you're doing. In essence, every vehicle owner who is required by state law to have insurance should find a lower-cost company. Nevertheless, Arizona vehicle owners can benefit by having an understanding of the way insurance companies calculate their prices and use it to your advantage.

The quickest way to compare car insurance rates for Buick LaCrosse insurance in Tucson is to understand most larger insurance companies actually pay money for the chance to give free rates quotes. All you need to do is provide a small amount of information such as whether you are married, if you have an active license, your general credit rating, and coverage limits. The data is sent automatically to insurance carriers in your area and they return cost estimate with very little delay.

To start a rate quote now, click here and enter your zip code.

The auto insurance companies shown below offer price quotes in Tucson, AZ. If multiple companies are listed, it's a good idea that you get price quotes from several of them in order to find the cheapest rates.

Buick LaCrosse coverage analysis

The information shown next covers detailed analysis of prices for Buick LaCrosse models. Learning more about how auto insurance policy rates are established can help you make smart choices when comparing insurance quotes.

Buick LaCrosse Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $250 $456 $288 $18 $86 $1,098 $92
Lacrosse CXL $250 $538 $288 $18 $86 $1,180 $98
Lacrosse CXL AWD $250 $538 $288 $18 $86 $1,180 $98
Lacrosse CXS $278 $538 $288 $18 $86 $1,208 $101
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Information does not factor in your specific Tucson location which can lower or raise price quotes greatly.

Policy deductible comparison

When comparing insurance rates, the most common question is which deductible level should you buy. The premium rates below highlight how much more you'll pay between high and low physical damage deductibles. The first price estimate table uses a $100 physical damage deductible and the second rate table uses a $500 deductible.

Buick LaCrosse insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $292 $466 $254 $16 $76 $1,129 $94
Lacrosse CXL $292 $548 $254 $16 $76 $1,211 $101
Lacrosse CXL AWD $292 $548 $254 $16 $76 $1,211 $101
Lacrosse CXS $324 $548 $254 $16 $76 $1,243 $104
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Buick LaCrosse insurance prices 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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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in vehicle location which can impact premium rates substantially.

Based on this data, using a $100 deductible will cost you approximately $23 more each month or $276 for a full year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 17 months between claim filings, you would probably come out ahead by selecting a higher deductible.

Rate comparison of full coverage and liability-only

The chart below shows the comparison of Buick LaCrosse yearly insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no violations or claims, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Are you wasting money paying for full coverage?

There is no clear-cut formula to stop paying for physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let's say your Buick LaCrosse claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying your policy deductible. If it's costing in excess of $500 a year for your policy with full coverage, then it might be time to buy liability only.

There are some circumstances where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Get rate quotes but work with a local neighborhood Tucson car insurance agent

A lot of people would prefer to go talk to an agent and doing so can bring peace of mind The biggest benefit of getting online price quotes is you may find lower rates and still have a local agent.

Insurance agency in TucsonTo find an agent, once you fill out this simple form, the coverage information is instantly submitted to agents in your area that can give you free Tucson car insurance quotes to get your business. You won't even need to contact an agency since price quotes are sent to you directly. Get lower rates and a licensed agent to work with. If you have a need to get a comparison quote for a specific company, don't hesitate to go to their quote page and fill out their quote form.

Picking an company should include more criteria than just the bottom line cost. The questions below may impact your decision as well.

  • Are claims handled at the agent's location?
  • What insurance companies do they work with in Tucson?
  • Can they help ensure a fair claim settlement?
  • Has the agent ever had any license suspensions?
  • Is there a Errors and Omissions policy in force?

The following is a short list of insurers in Tucson that may be able to provide comparison quotes for Buick LaCrosse insurance in Tucson.

4420 E Speedway Blvd Ste 102 - Tucson, AZ 85712 - (520) 323-9333 - View Map

5643 E Grant Rd - Tucson, AZ 85712 - (520) 721-8184 - View Map

2860 W Ina Rd Ste 104 - Tucson, AZ 85741 - (520) 742-6683 - View Map

9136 E Valencia Rd #110 - Tucson, AZ 85747 - (520) 574-7777 - View Map

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