Discount Buick LaCrosse insuranceHow many times have you told yourself to find low-cost Buick LaCrosse insurance in Colorado Springs? Do you think you bought an overpriced insurance policy? It's a common feeling and there are many people just like you.

A recent study showed that nearly 70% of Colorado drivers have remained with the same insurance company for at least the last four years, and approximately 40% of consumers have never compared insurance rates at all. Consumers in the U.S. could save an average of $860 each year just by comparing rates, but they don't know how much savings they would realize if they changed companies. Since you have so many companies and agents to choose from, it is hard for the average consumer to pick a lower cost company.

You should take the time to compare prices as often as possible since insurance prices change frequently. Just because you found the lowest rates on Buick LaCrosse insurance in Colorado Springs on your last policy there may be better deals available now. Forget all the misinformation about insurance because we're going to demonstrate one of the quickest ways to reduce your cost while improving coverage.

Affordable Buick insurance rates in Colorado Springs

The following companies provide quotes in Colorado. If multiple providers are shown, it's highly recommended you visit several of them to get a more complete price comparison.

Buick LaCrosse Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $378 $672 $404 $24 $120 $1,598 $133
Lacrosse CXL $330 $630 $304 $18 $92 $1,374 $115
Lacrosse CXL AWD $186 $390 $362 $22 $108 $1,068 $89
Lacrosse CXS $326 $662 $338 $20 $102 $1,448 $121
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can change auto insurance rates noticeably.

Choosing deductibles

One common question asked by Colorado Springs drivers is how high or low should comp and collision deductibles be. The rates below sum up how much more rates are when you select higher and lower coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Buick LaCrosse insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $306 $458 $298 $18 $90 $1,195 $100
Lacrosse CXL $306 $538 $298 $18 $90 $1,275 $106
Lacrosse CXL AWD $306 $538 $298 $18 $90 $1,275 $106
Lacrosse CXS $342 $538 $298 $18 $90 $1,311 $109
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Buick LaCrosse insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $190 $288 $298 $18 $90 $884 $74
Lacrosse CXL $190 $340 $298 $18 $90 $936 $78
Lacrosse CXL AWD $190 $340 $298 $18 $90 $936 $78
Lacrosse CXS $210 $340 $298 $18 $90 $956 $80
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in specific location information which can affect coverage rates substantially.

Based on the data above, we can derive that using a $250 deductible costs an average of $27 more each month or $324 every year than requesting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 28 months between claim filings, you would come out ahead if you choose a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $105
Average monthly premium for $1,000 deductibles (subtract): - $78
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

An important thing to remember is that higher deductibles results in a higher out-of-pocket expense if you have a claim. You need to make sure you have enough money in the bank in the event you have to pay the deductible to have repairs made.

Does it make sense to buy full coverage?

The chart below visualizes the comparison of Buick LaCrosse auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Colorado. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, married male driver, and no policy discounts are applied.

When to stop buying comprehensive and collision coverage

There is no definitive rule of when to exclude physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.

For example, let's say your Buick LaCrosse book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after you pay the deductible. If it's costing in excess of $800 annually for your policy with full coverage, then you might consider buying liability only.

There are a few situations where removing full coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Policy deductibles

The information below demonstrates how deductible levels and can change Buick LaCrosse yearly insurance costs for different age groups. The data is based on a single female driver, comp and collision included, and no other discounts are factored in.

How Insurance Companies Calculate Buick LaCrosse Insurance Rates

Many things are taken into consideration when quoting car insurance. Some are pretty understandable such as traffic violations, although others are less apparent like where you live or your financial responsibility. A large part of saving on auto insurance is knowing the factors that are used to determine the price you pay for auto insurance. If you have some idea of what determines premiums, this enables you to make decisions that will entitle you to lower auto insurance prices.

The factors shown below are most of the major factors that factor into your rates.

Limits of liability protection - Liability coverage is the protection when you are determined to be liable for physical damage or personal injury to other. Your policy's liability insurance provides for a legal defense which can cost thousands of dollars. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

You might want pay the small auto insurance claims yourself - If you tend to file frequent claims, you can pretty much guarantee higher rates. Companies in Colorado generally give the lowest premiums to drivers who are claim-free. Insurance coverage is intended for larger claims.

Driving citations cost more than a fine - Having a single citation can increase the cost of insurance forty percent or more. Attentive drivers receive lower rates compared to bad drivers. Drivers with serious violations such as reckless driving or DUI may find they need to prove financial responsibility with their state motor vehicle department in order to keep their license.

Premiums can be impacted by your employer - Do you have a high-stress occupation? Jobs like fire fighters, police officers, and miners tend to have higher premiums than the average policyholder because of high stress and lots of time spent at work. On the flip side, careers like scientists, historians and the unemployed pay the least.

Performance impacts rates - The performance of the car or truck you are insuring makes a substantial difference in determining your rates. Since the Buick LaCrosse is considered a passenger car, rates will be similar in price or lower than the average rate where you live in Colorado Springs. Low performance passenger cars receive the most favorable rates, but many other things help determine your insurance rates.

Discounts for multiple policies - Most major insurance companies will award discounts for people who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to as much as ten percent or more Even if you qualify for this discount already, you still need to compare Buick LaCrosse rates in Colorado Springs to make sure you are getting the best deal.

Drive lots and pay more - Driving more miles every year the higher your rate. The majority of insurers apply a rate based upon how much you drive. Vehicles not used for work or commuting qualify for better rates than those used for commuting. An incorrectly rated LaCrosse can cost quite a bit. Verify your auto insurance policy shows how each vehicle is driven.

Cheaper to insure females? - Statistics show that females tend to be a little less risky than males. However, don't assume that men are WORSE drivers than women. They both tend to get into at-fault accidents at about the same rate, but males have costlier accidents. Men also receive more major tickets like DWI (DUI) or reckless driving. Young males generally have the highest accident percentage and are penalized with high auto insurance rates.

Buick LaCrosse insurance claim data - Insurers analyze the history of losses as a tool for profitable underwriting. Models that are shown to have higher losses will cost more for specific coverages. The table below outlines the actual insurance loss data for Buick LaCrosse vehicles.

For each type of coverage, the statistical loss for all vehicles, regardless of make or model, equals 100. Percentage numbers below 100 represent a good loss history, while values over 100 indicate more frequent losses or tendancy to have larger claims.

Buick LaCrosse Insurance Loss Statistics

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
Statistics from for 2013-2015 Model Years

Auto insurance policy discounts you can't miss

Car insurance is not cheap, but there could be significant discounts that you may not know about. Some discounts will apply at the time of purchase, but a few need to be asked for before you will receive the discount. If you are not receiving all the discounts you qualify for, it's possible you qualify for a lower rate.Save money with discounts

You can save money using discounts, but some of the credits will not apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way. But any discount will positively reduce the premium cost.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

When getting free Colorado Springs car insurance quotes, it's a good idea to each company or agent which discounts you qualify for. Some discounts may not apply in every state. If you would like to see a list of insurers with the best discounts in Colorado, follow this link.

Insurance quotes from local Colorado Springs insurance agencies

Many drivers prefer to have an agent's advice. Most agents can help you choose the best coverages and help submit paperwork. One of the benefits of getting online price quotes is the fact that drivers can get cheap insurance quotes and also buy local. Putting coverage with neighborhood agents is especially important in Colorado Springs.

Colorado Springs insurance agentsFor easy comparison, once you complete this form (opens in new window), your information gets sent to agents in your area who will gladly provide quotes and help you find cheaper coverage. There is no reason to contact any insurance agencies as quotes are delivered immediately to your email address. If you wish to quote rates from a specific insurance company, you can always search and find their rate quote page and fill out the quote form the provide.

When narrowing the list to find a good insurance agency, it's helpful to know the different agency structures and how they operate. Agents in Colorado Springs are either independent agents or exclusive agents. Both types of agents can do a good job, but it's important to point out how they differ because it can influence buying decisions.

Independent Insurance Agencies or Brokers

These agents do not write with just one company and that enables them to quote your coverage with many different companies enabling the ability to shop coverage around. If they find a cheaper price, they simply move your policy to a different company and that require little work on your part.

When comparing insurance prices, it's recommended you include rate quotes from independent agents to get the most accurate price comparison.

Featured below are independent agents in Colorado Springs who can help you get price quote information.

1837 Austin Bluffs Pkwy #101 - Colorado Springs, CO 80918 - (719) 268-1300 - View Map

6455 N Union Blvd #104 - Colorado Springs, CO 80918 - (303) 974-7676 - View Map

5585 Erindale Dr #107 - Colorado Springs, CO 80918 - (719) 528-1884 - View Map

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Exclusive Agencies

Agents that choose to be exclusive can only quote rates from one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. They are usually well trained on their products and sales techniques which helps them sell on service rather than price.

Shown below is a short list of exclusive insurance agents in Colorado Springs willing to provide price quotes.

1825 Main St #D - Colorado Springs, CO 80911 - (719) 392-7366 - View Map

1806 Dominion Way Suite A - Colorado Springs, CO 80918 - (719) 630-1800 - View Map

1870 Dublin Blvd e - Colorado Springs, CO 80918 - (719) 593-9916 - View Map

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Finding the right insurance agent should depend on more than just a cheap quote. Here are some questions you should ask.

Switch companies and save? Really?

Colorado drivers can't get away from ads for the lowest price car insurance from companies such as State Farm, GEICO and Progressive. They all have a common claim that drivers will save a bundle just by switching to them.

But how can every company charge lower premium rates? Just pay attention to how they say it.

Car insurance companies quote their cheapest rates for the type of insured they prefer to insure. A good example of this type of insured could be a married female, has never had a claim, and drives a vehicle with a low ISO rating. A propective insured who fits that profile will qualify for the lowest rates in Colorado Springs and therefore will cut their rates substantially.

Potential customers who do not match the ideal profile may be forced to pay more expensive rates and this results in the driver buying from a lower-cost company. The wording the ads use say "people that switch" not "all people who quote" save that kind of money. This is how companies can claim big savings.

Because of these techniques, drivers should do a price quote comparison at every renewal. You cannot predict which insurance companies will have the best auto insurance rates at this point in time.

Don't assume everyone needs the same insurance coverage

Always remember that when buying a policy for your vehicles, there is no "best" method to buy coverage. Everyone's situation is unique.Safe vehicles cost less to insure

For instance, these questions may help you determine whether you would benefit from an agent's advice.

If you don't know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can help protect your family.

Persistence is the key to cheaper rates

We just presented some good ideas how to compare Buick LaCrosse insurance premium rates in Colorado Springs. It's most important to understand that the more times you quote, the better chance you'll have of finding cheaper Colorado Springs car insurance quotes. You may even find the lowest priced car insurance comes from a lesser-known regional company.

While you're price shopping online, never reduce needed coverages to save money. In many cases, an insured cut comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your goal is to get the best coverage possible at the best price, not the least amount of coverage.

Cheaper Buick LaCrosse insurance in Colorado Springs is possible both online and also from your neighborhood Colorado Springs agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers do not offer internet price quotes and most of the time these smaller providers only sell through independent insurance agencies.

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