Buick LaCrosse Insurance Rates in Santa Ana

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Frustrated by the number of car insurance providers that you can choose from? There are such a vast assortment of providers available that it can be a difficult mission to compare rates on Buick LaCrosse insurance. Santa Ana is an excellent city in which to live, but the high cost of car insurance can make it impossible to buy full coverage.

Insurance quote for Buick LaCrosse in Santa AnaIt's safe to conclude that auto insurance companies want to keep your business as long as possible. Insureds who compare price quotes will, in all likelihood, switch companies because there is a great chance of finding coverage at a cheaper rate. A recent survey revealed that drivers who make a habit of shopping around saved on average $3,400 over four years compared to those who don't make a habit of comparing rates.

If finding budget-friendly rates on auto insurance is your target objective, then having some insight into how to get free comparison quotes and analyze insurance can help simplify the process.

Cut Insurance Costs with These Tips

Part of the car insurance buying process is learning the different types of things that go into determining your car insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in lower car insurance prices.

Shown below are some of the most rate-impacting factors companies use to determine your rate level.

Tough occupation may mean higher premiums - Occupations like judges, social workers, and medical professionals generally pay the highest rates due to intense work requirements and extremely grueling work hours. Other careers like actors, athletes and performers have the lowest average rates.

Car and home together may be cheaper - Many car insurance companies give discounts to buyers that purchase more than one policy such as combining an auto and homeowners policy. Even if you're getting this discount drivers will still want to shop around to make sure you are getting the best deal.

Youthful drivers cost more - Youthful drivers in California are statistically shown to be easily distracted when at the wheel of a vehicle so car insurance rates are higher. More mature drivers are shown to be more cautious, are lower risk to insure, and are safer drivers.

The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Cars with good safety ratings cost less to insure - Safer cars cost less to insure. These vehicles help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies which can result in lower premiums. If your Buick LaCrosse earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Buick LaCrosse insurance claim data - Car insurance companies take into consideration insurance loss statistics for every vehicle to help determine costs. Vehicles that are shown to have higher loss trends will have a higher premium rate. The table below illustrates the loss history for Buick LaCrosse vehicles.

For each type of coverage, the claim probability for all vehicles averaged together is represented as 100. Percentage values below 100 suggest losses that are better than average, while values over 100 point to more claims or statistically larger losses.

Car Insurance Loss Data for Buick LaCrosse Models
Vehicle 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

Buick LaCrosse coverage analysis

The premium information below outlines estimates of insurance premium costs for Buick LaCrosse models. Having knowledge of how insurance rates are established can benefit drivers when making informed decisions.

Buick LaCrosse Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $204 $372 $424 $26 $128 $1,154 $96
Lacrosse CXL $204 $440 $424 $26 $128 $1,222 $102
Lacrosse CXL AWD $204 $440 $424 $26 $128 $1,222 $102
Lacrosse CXS $228 $440 $424 $26 $128 $1,246 $104
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in specific Santa Ana garaging location which can increase or decrease insurance rates substantially.

Deductible analysis

When buying auto insurance, a common question is which deductible level should you buy. The rates below help summarize the rate difference between high and low policy deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Buick LaCrosse insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $430 $686 $376 $22 $112 $1,651 $138
Lacrosse CXL $430 $810 $376 $22 $112 $1,775 $148
Lacrosse CXL AWD $430 $810 $376 $22 $112 $1,775 $148
Lacrosse CXS $478 $810 $376 $22 $112 $1,823 $152
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Buick LaCrosse insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $314 $464 $376 $22 $112 $1,288 $107
Lacrosse CXL $314 $546 $376 $22 $112 $1,370 $114
Lacrosse CXL AWD $314 $546 $376 $22 $112 $1,370 $114
Lacrosse CXS $348 $546 $376 $22 $112 $1,404 $117
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in vehicle location which can alter auto insurance rates greatly.

Based on the figures above, using a $100 deductible would cost the average driver about $34 more each month or $408 every year averaged for all LaCrosse models than choosing the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 12 months between claim filings, you would more than likely save some money by going with a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $147
Average monthly premium for $500 deductibles (subtract): - $113
Monthly savings from raising deductible: $34
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

The example below illustrates how choosing a deductible and can change Buick LaCrosse insurance premiums for each different age group. Data assumes a married female driver, full coverage, and no policy discounts are applied.

Irresponsible driving raises your rates

The information below shows how traffic citations and at-fault collisions can raise Buick LaCrosse car insurance costs for different age groups. The costs are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.

Discounts can help to save on Buick LaCrosse insurance in Santa Ana

Insurance can be prohibitively expensive, but there may be some discounts that may help make it more affordable. Most are applied when you purchase, but some must be requested specifically prior to getting the savings.Cheaper insurance with discounts

  • Driver Training Discounts - Completing a course teaching driver safety skills could save 5% or more depending on where you live.
  • Anti-lock Brake System - Vehicles with ABS braking systems or traction control prevent accidents and earn discounts up to 10%.
  • Clubs and Organizations - Being in a qualifying organization could trigger savings on insurance.
  • Pay Upfront and Save - If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
  • Passenger Safety Discount - Factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Paperwork-free - Certain insurance companies will provide an incentive for buying your policy on their website.
  • Telematics Discount - Insureds who allow driving data submission to study when and where they use their vehicle by using a telematics device in their vehicle such as Allstate's Drivewise and State Farm's In-Drive system could save a few bucks if they show good driving skills.
  • Drive Safe and Save - Insureds without accidents can save as much as half off their rates than drivers with accidents.
  • Santa Ana Homeowners Pay Less - Simply owning a home can save a few bucks since home ownership demonstrates responsibility.

One last thing about discounts, many deductions do not apply to the whole policy. Most only reduce specific coverage prices like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, insurance companies aren't that generous.

The illustration below shows the comparison of Buick LaCrosse insurance costs with and without some available policy discounts. The rates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, safe-driver, and multi-policy discounts applied.

If you would like to view providers that offer many of these discounts in Santa Ana, follow this link.

Cheaper car insurance is a realistic goal

As you quote Santa Ana car insurance, it's very important that you do not buy less coverage just to save a little money. In many instances, drivers have reduced comprehensive coverage or liability limits and learned later that it was a big mistake. Your aim should be to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

Insureds change insurance companies for a number of reasons such as policy cancellation, not issuing a premium refund, delays in responding to claim requests and even denial of a claim. No matter why you want to switch, choosing a new insurance company can be easier than you think.

We just presented many ways to shop for Buick LaCrosse insurance online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting cheaper Santa Ana car insurance quotes. You may even find the best price on car insurance is with a small mutual company.

How to buy cheaper Buick LaCrosse insurance in Santa Ana

It takes a little time, but the best way to get the cheapest Buick LaCrosse insurance is to compare prices at least once a year from different companies in Santa Ana. Drivers can shop around by following these steps.

Step 1: Get a basic knowledge of coverages and the changes you can make to prevent expensive coverage. Many risk factors that result in higher rates like speeding tickets, accidents and an unacceptable credit history can be eliminated by making minor changes to your lifestyle.

Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the price quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.

The key thing to know about shopping around is that you use identical coverages on each quote and and to get price quotes from all possible companies. This guarantees an accurate price comparison and a better comparison of the market.

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