How to Save on Buick LaCrosse Insurance in San Antonio

Would you like to stop wasting money and find the cheapest Buick LaCrosse insurance in San Antonio? Expensive insurance in San Antonio can consume your bank account and put the squeeze on your family’s finances. Shopping your coverage around is free and is an excellent way to tighten up your finances.

It goes without saying that car insurance companies want to keep your business as long as possible. People who compare other prices will most likely move their business because there is a high probability of finding better rates. A study discovered that drivers who compared price quotes annually saved an average of $865 annually compared to policyholders who never compared prices.

If saving money on car insurance in San Antonio is your objective, knowing the best way to shop and compare insurance premiums can make it easier to find better rates.

Online insurance companies like State Farm and GEICO all claim big savings, bombarding you with fancy advertisements and consumers find it hard to see through the deception and do the work needed to find the best deal.

It’s a good habit to compare rates before your next renewal because insurance rates fluctuate regularly. Just because you found the lowest premium rates on Buick LaCrosse insurance in San Antonio a couple years back you may be paying too much now. Block out anything you think you know about insurance because I’m going to teach you how to use online quotes to remove unneeded coverages and save money.

When price shopping your coverage, comparing a wide range of rates will enable you to find more affordable rates.

The companies shown below offer quotes in San Antonio, TX. If several companies are displayed, we recommend you get rate quotes from several of them to get the most competitive price.

Buick LaCrosse insurance analysis

The premium table below highlights estimates of insurance costs for Buick LaCrosse models. Having insight into how insurance prices are calculated helps drivers make smart buying decisions.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in San Antonio location which can increase or decrease price quotes significantly.

Rate comparison for different deductibles

When shopping for auto insurance, a common question is how high should the physical damage deductibles be. The rates below illustrate the premium difference of buying low and high physical damage coverage deductibles. The first price estimate table uses a $250 deductible and the second price grid uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rates do not factor in zip code location which can alter auto insurance rates significantly.

We can estimate from the data above that using a $250 deductible costs an average of $16 more each month or $192 annually than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have more than 16 months between claims, you would more than likely save some money if you choose a higher deductible.

Comparison of full coverage and liability-only policies

The illustration below shows the comparison of Buick LaCrosse auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Are you wasting money on full coverage?

There is no set rule of when to eliminate physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Buick LaCrosse book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after paying your policy deductible. If it’s costing in excess of $700 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few cases where dropping full coverage is not advised. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage in place.

Affordable San Antonio insurance rates with discounts

Insurance is neither fun to buy or cheap, but there could be significant discounts to reduce the price significantly. Certain credits will be shown when you get a quote, but some need to be specifically requested prior to getting the savings.

• Good Student – Excelling in school can earn a discount of 20% or more. You can use this discount normally up to age 25.
• Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are less likely to be stolen and can earn a small discount on your policy.
• Memberships – Participating in certain professional organizations can get you a small discount on your policy.
• Renewal Discounts – Some companies give discounts for switching companies before your current LaCrosse insurance policy expires. It’s a savings of about 10%.
• Government Employees – Having worked for a branch of the government may reduce rates when you quote San Antonio auto insurance with certain companies.
• ABS Braking Discount – Cars that have anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
• Low Mileage – Driving less may enable drivers to earn lower rates due to less chance of an accident.
• College Student – Youth drivers who are enrolled in a college that is more than 100 miles from San Antonio and won’t have access to an insured vehicle may qualify for this discount.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy a life policy as well.
• Pay Early and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.

Discounts lower rates, but most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears you can get free auto insurance, nobody gets a free ride.

The illustration below shows the difference between Buick LaCrosse insurance costs with and without discounts applied. The premiums assume a female driver, no accidents or driving violations, Texas 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 homeowner, multi-car, safe-driver, marriage, multi-policy, and claim-free discounts applied.

Popular insurance companies and the discounts they provide are outlined below.

• Progressive has discounts for homeowner, online signing, continuous coverage, multi-vehicle, online quote discount, and good student.
• SAFECO has savings for teen safe driver, accident prevention training, teen safety rewards, drive less, and anti-theft.
• American Family may have discounts that include good student, multi-vehicle, TimeAway discount, mySafetyValet, Steer into Savings, and bundled insurance.
• MetLife includes discounts for accident-free, defensive driver, good student, multi-policy, good driver, claim-free
• GEICO policyholders can earn discounts including defensive driver, good student, anti-theft, seat belt use, emergency military deployment, multi-vehicle, and anti-lock brakes.
• The Hartford offers discounts including air bag, anti-theft, vehicle fuel type, good student, bundle, driver training, and defensive driver.

When getting a coverage quote, ask every insurance company how you can save money. Some discounts listed above might not be available to policyholders in every state. To see a list of providers with discount rates in Texas, click this link.

Three good reasons to insure your vehicle

Even though it can be expensive, maintaining insurance may be required and benefits you in several ways.

First, most states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your LaCrosse with a loan, it’s most likely the lender will make it mandatory that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank will be required to insure your Buick for a lot more money and require you to fork over the higher price.

Third, insurance safeguards both your assets and your vehicle. It will also provide coverage for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses in the event you are sued. If your Buick gets damaged, your insurance policy will pay to have it repaired.

The benefits of insuring your LaCrosse definitely exceed the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $820 a year so it’s important to compare rates at every renewal to help ensure money is not being wasted.

You are unique and your insurance should be too

When selecting insurance from an agent or online for your vehicles, there really is not a best way to insure your cars. Your needs are unique to you.

Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

• When should I buy a commercial auto policy?
• I don’t drive much so do I pay less?
• Am I covered if hit by an uninsured driver?
• Why am I required to get a high-risk car insurance policy?
• Is my son or daughter covered when driving my car?
• Do I need higher collision deductibles?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• How much will a speeding ticket raise my rates?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Exclusive and independent insurance agencies

Some people prefer to have an agent’s advice and that is a smart decision A good thing about getting free rate quotes online is you can get better rates and still have a local agent. Buying from and supporting local insurance agents is important particularly in San Antonio.

For easy comparison, once you complete this quick form, the quote information is submitted to insurance agents in San Antonio that can give you free San Antonio auto insurance quotes and help you find cheaper coverage. You don’t have to find an agent since rate quotes are delivered immediately to you. You can get cheaper car insurance rates and an insurance agent to talk to. If you need to compare rates from a specific company, you can always find their quoting web page and fill out the quote form the provide.

The difference between San Antonio car insurance agents

If you need to find an insurance agent, you must know there are a couple types of agencies and how they work. Car insurance agents can be categorized as either exclusive agents or independent agents.

Independent Agents

Agents in the independent channel are not employed by one company and that is an advantage because they can write policies with an assortment of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply switch companies in-house without you having to go to a different agency. When comparing car insurance prices, it’s a good idea to get quotes from several independent agencies for the best price selection.

The following is a list of independent insurance agencies in San Antonio that may be able to provide cheap rate quotes.

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Exclusive Car Insurance Agencies

Agents that elect to be exclusive normally can only provide a single company’s rates such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to provide prices from multiple companies so they really need to provide good service. Exclusive agents are trained well on the products they sell which helps offset the inability to provide other markets.

Shown below are exclusive agents in San Antonio willing to provide price quotes.

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Choosing the best auto insurance agent should include more criteria than just a low price. The answers to these questions are important, too.

• What company holds the largest book of business for them?
• Do they regularly work with personal auto policies in San Antonio?
• Are they in the agency full-time?
• Is there any savings for paying the full premium?
• Are claims handled at the agent’s location?
• How much training do they have in personal risk management?
• Can you use your own choice of collision repair facility?
• If you have an accident, will your rates go up?

Once you have received answers to your satisfaction and an affordable coverage quote, chances are good that you have found a car insurance agent that will insure your vehicles. But keep in mind policyholders can cancel your coverage whenever you wish so never assume that you are permanently stuck with the car insurance policy with no way to switch.