Discount Buick LaCrosse insuranceAre you a victim of high-priced Buick LaCrosse insurance in Denver? Say no more because there are a lot of people in Denver just like you who feel imprisoned by their car insurance policy.

Amazingly, over 70% of consumers have purchased from the same company for at least four years, and approximately 40% of consumers have never compared quotes from other companies. Many drivers in America could pocket approximately 47% a year just by comparing rates, but they just don't want to find cheap rates by getting comparison quotes. Insurance companies such as GEICO, 21st Century and Progressive persitently shower you with advertising and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Best companies for affordable Buick LaCrosse insurance in Colorado

The companies in the list below can provide price quotes in Colorado. If multiple companies are shown, we suggest you click on several of them to get the best price comparison.

Buick LaCrosse Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $194 $314 $286 $16 $86 $896 $75
Lacrosse CXL $294 $630 $314 $18 $94 $1,350 $113
Lacrosse CXL AWD $278 $496 $308 $18 $92 $1,192 $99
Lacrosse CXS $378 $662 $404 $24 $120 $1,588 $132
Get Your Own Custom Quote Go

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Table data does not factor in specific location which can lower or raise rates considerably.

Comparison of policy deductibles

The hardest decision when buying coverage is how high should your deductibles be. The data tables below outline the premium difference when you choose different physical damage deductibles. The first data set uses a $100 deductible and the second rate chart uses a $500 deductible.

Buick LaCrosse insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $342 $546 $298 $18 $90 $1,319 $110
Lacrosse CXL $342 $644 $298 $18 $90 $1,417 $118
Lacrosse CXL AWD $342 $644 $298 $18 $90 $1,417 $118
Lacrosse CXS $380 $644 $298 $18 $90 $1,455 $121
Get Your Own Custom Quote Go
Buick LaCrosse insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $250 $368 $298 $18 $90 $1,024 $85
Lacrosse CXL $250 $434 $298 $18 $90 $1,090 $91
Lacrosse CXL AWD $250 $434 $298 $18 $90 $1,090 $91
Lacrosse CXS $278 $434 $298 $18 $90 $1,118 $93
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific zip code location which can modify rates greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $27 more each month or $324 every year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 15 months between claims, you would save more money if you decide on a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $117
Average monthly premium for $500 deductibles (subtract): - $90
Monthly savings from raising deductible: $27
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important issue to know is that increasing deductibles to save money means you will have to pay more of your own money if you have a claim. You need to have some savings in order to pay the deductible.

Violations and accidents raise rates

The information below illustrates how traffic citations and accidents impact Buick LaCrosse annual premium costs for different insured age categories. The price estimates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

Buick LaCrosse insurance costs by age and gender

The illustration below shows the difference between Buick LaCrosse insurance costs for male and female drivers. The data is based on no violations or accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are factored in.

How do Car Insurance Companies Determine Buick LaCrosse Insurance Rates?

Lots of factors are taken into consideration when you quote your car insurance policy. Some factors are common sense like an MVR report, although some other factors are more obscure such as your credit history or your financial responsibility.

The following are a few of the things used by insurance companies to determine your rates.

Is car insurance cheaper for males or females? - Over the last 50 years, statistics have shown females are less aggressive when driving. However, this does not mean women are BETTER drivers than men. Males and females have accidents at a similar rate, but men get into accidents with more damage. In addition to higher claims, males also get ticketed for serious violations like DUI and reckless driving.

Premiums go up with performance - The make and model of the car, truck or SUV you own makes a huge difference in your premium level. The lowest rates are usually found on lower cost passenger cars, but many other things help determine your insurance rates. Due to the fact that the Buick LaCrosse falls in the passenger car class, insurance will be similar in price or lower when compared to the average rates in Denver.

Raise physical damage deductibles and save - Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of covered claims are collision with another vehicle, flood damage, or theft. Physical damage deductibles define how much you are required to spend if a covered claim is submitted. The more of the claim the insured is willing to pay, the lower your rates will be.

Careless drivers pay higher costs - Having a single moving violation can boost insurance rates by as much as thirty percent. Careful drivers get better rates than their less careful counterparts. Drivers who have gotten dangerous citations like DUI, reckless driving or excessive speeding may need to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.

Consolidate and save - Many insurance companies afford better rates to buyers that purchase more than one policy. It's known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even though this discount sounds good, you still need to comparison shop to ensure the best deal. It's possible to still find lower rates by buying insurance from more than one company.

Vehicles with better crash test results mean better prices - Safe vehicles tend to be cheaper to insure. Highly rated vehicles reduce occupant injuries and lower rates of occupant injuries means less money paid by your insurance company and thus lower rates.

Insurance losses for a Buick LaCrosse - Auto insurance companies take into consideration insurance loss statistics for every vehicle when setting premium rates. Models that historically have higher claim amounts or frequency will have higher rates. The table below outlines the insurance loss data for Buick LaCrosse vehicles.

For each type of coverage, the loss probability for all vehicles, as an average, equals 100. Numbers that are below 100 indicate a favorable loss history, while percentages above 100 indicate a higher chance of having a claim or tendency to have larger claims.

Auto Insurance Loss Data for Buick LaCrosse Models

Vehicle 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: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Affordable Denver insurance rates with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that could help you make your next renewal payment. Many discounts should be triggered at quote time, but some must be specially asked for before they will apply.Save money with discounts

Discounts save money, but please remember that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like all those discounts means the company will pay you, it just doesn't work that way.

Companies that may include these discounts include:

When getting free Denver auto insurance quotes, it's a good idea to all companies you are considering the best way to save money. Savings may not apply to policies in every state. To see insurers who offer free Buick LaCrosse insurance quotes in Denver, click here.

Auto insurance quotes from local neighborhood Denver car insurance agents

A lot of people prefer to talk to an insurance agent and doing that can be a smart decision Good agents are trained risk managers and help submit paperwork. One of the benefits of price shopping on the web is the fact that you can find cheap auto insurance quotes but also keep your business local. And providing support for local agents is important especially in Denver.

Find insurance agent in DenverFor easy comparison, once you complete this short form, the quote information is emailed to participating agents in Denver who will gladly provide quotes and help you find cheaper coverage. You don't have to leave your computer due to the fact that quote results will go to you directly. If for some reason you want to compare rates from one company in particular, you would need to find their quoting web page and fill out their quote form.

Finding the right company should depend on more than just the price. The answers to these questions are important, too.

If you feel you receive satisfactory answers to your questions as well as offering an affordable quote, most likely you have located an insurer that meets your needs to properly service your auto insurance policy. It's important to know that you can always cancel a policy whenever you wish so never assume you are locked into your new company indefinitely.

Is there truth in advertising?

Consumers in Colorado can't escape the ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the ads advertise the message about how much you will save if you just switch your auto insurance policy to them.

How does each company offer you a better deal on Buick LaCrosse insurance in Denver? It's all in the wording.

Companies give the best rates for the type of insured that earns them a profit. For instance, a driver they prefer might be over the age of 50, insures multiple vehicles, and drives a lower-performance vehicle. A customer who matches those parameters will get the preferred prices in Denver and therefore will pay quite a bit less when switching companies.

Potential insureds who fall short of this stringent profile may be forced to pay higher premium rates which translates to business not being written. If you pay attention, the ads say "customers who switch" but not "all drivers who get quotes" save money. That's the way companies can truthfully advertise the savings.

Because of this risk profiling, you need to get price quotes at each policy renewal. Because you cannot predict which company will be your best fit.

Smart shoppers get results

We just covered a lot of ways to get a better price on Buick LaCrosse insurance in Denver. The most important thing to understand is the more you quote Denver auto insurance, the better your chances of lowering your rates. Consumers could even find that the most savings is with the least-expected company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

As you go through the steps to switch your coverage, it's not a good idea to buy poor coverage just to save money. Too many times, someone sacrificed full coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible for the lowest price, but don't skip important coverages to save money.

Discount Buick LaCrosse insurance in Denver can be bought online in addition to many Denver insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and usually these smaller companies only sell coverage through independent insurance agents.

More detailed car insurance information can be read in these articles: