How to Compare Dallas Buick LaCrosse Insurance

Discount Buick LaCrosse insuranceThe easiest way to save money on auto insurance rates in Dallas is to begin comparing prices regularly from insurers who provide auto insurance in Texas. Drivers can shop around by completing these steps.

  1. It will benefit you to learn about coverages and the steps you can take to lower rates. Many factors that increase rates like distracted driving and a not-so-good credit history can be eliminated by making lifestyle changes or driving safer. Keep reading for information to help keep rates affordable and earn larger discounts.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agents can quote prices from multiple sources.
  3. Compare the new rates to your current policy to determine if you can save on LaCrosse insurance in Dallas. If you can save some money, ensure there is no coverage lapse between policies.
  4. Tell your current company to cancel your current coverage. Submit a down payment along with a completed application to the new company. Once received, store the proof of insurance certificate with your registration paperwork.

A good piece of advice is that you’ll want to compare similar limits and deductibles on each quote and and to get quotes from as many different companies as possible. Doing this provides a level playing field and a good representation of prices.

Unbelievably, a large majority of drivers renewed their policy with the same company for at least the last four years, and 38% of customers have never taken the time to shop around. Texas insurance shoppers could save as much as 70% a year just by getting comparison quotes, but they don’t understand how simple it is to find cheaper rates by getting comparison quotes.

If you have a current insurance policy, you stand a good chance to be able to shop for the lowest rates using this information. The goal of this article is to familiarize you with how car insurance works and how to save the most money. Nevertheless, Texas consumers can benefit by having an understanding of the way insurance companies calculate your policy premium and use it to find better rates.

When shopping for affordable Dallas auto insurance quotes, there are a couple of ways to compare prices from insurance companies in your area. One of the best ways to find competitive Buick LaCrosse insurance rates is simply to get online rate quotes.

Just keep in mind that obtaining a wide range of quotes will enable you to find more affordable rates. Some companies don’t provide price estimates online, so you should also compare price estimates on coverage from those companies, too.

The car insurance companies shown below provide free rate quotes in Dallas, TX. If multiple companies are shown, we recommend you compare several of them in order to find the most competitive rates.

Rates and statistics

The information displayed next showcases a range of insurance rates for Buick LaCrosse models. Understanding how premiums are figured can aid in making decisions when choosing a new policy provider.


Buick LaCrosse Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $358 $580 $330 $20 $98 $1,386 $116
Lacrosse CXL $358 $684 $330 $20 $98 $1,490 $124
Lacrosse CXL AWD $358 $684 $330 $20 $98 $1,490 $124
Lacrosse CXS $400 $684 $330 $20 $98 $1,532 $128
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific garaging location which can affect premiums greatly.

Deductible comparison

When comparing car insurance rates, the most common question is what deductibles to buy. The comparison tables below highlight the rate differences of buying low and high deductibles. The first rate quote example uses a $100 deductible for physical damage and the second price table uses a $500 deductible.


Buick LaCrosse insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $370 $592 $324 $20 $96 $1,427 $119
Lacrosse CXL $370 $698 $324 $20 $96 $1,533 $128
Lacrosse CXL AWD $370 $698 $324 $20 $96 $1,533 $128
Lacrosse CXS $412 $698 $324 $20 $96 $1,575 $131
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Buick LaCrosse insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $270 $400 $324 $20 $96 $1,110 $93
Lacrosse CXL $270 $472 $324 $20 $96 $1,182 $99
Lacrosse CXL AWD $270 $472 $324 $20 $96 $1,182 $99
Lacrosse CXS $300 $472 $324 $20 $96 $1,212 $101
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Table data does not factor in garaging location in Dallas which can impact insurance rates considerably.

Using the data above, we can ascertain that using a $100 deductible will cost you about $29 more each month or $348 each year than selecting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 14 months between claims, you would most likely save money if you choose the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $127
Average monthly premium for $500 deductibles (subtract): – $98
Monthly savings from raising deductible: $29
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One thing to be aware of is that raising deductibles to save money results in more money out-of-pocket if you have a claim. That will necessitate some savings in the event you need to pay the higher deductible in order to repair your vehicle.

Eight Tips to Get Cheaper Dallas Insurance Costs

An important part of buying insurance is that you know the rating factors that come into play when calculating the rates you pay for insurance. When consumers understand what influences your rates, this empowers consumers to make smart changes that will entitle you to lower premium levels. Lots of factors are used in the calculation when you get a price on insurance. Some are obvious such as your driving history, but some are less apparent such as your marital status or your commute time.

The factors shown below are just a few of the factors companies use to determine your prices.

Insurance is not optional in Texas

Despite the fact that insurance is not cheap in Dallas, insurance serves an important purpose.

First, just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to get the vehicle licensed. 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 have a loan on your vehicle, almost every bank will force you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Buick at a much higher premium rate and force you to pay much more than you were paying before.

Third, insurance safeguards both your assets and your Buick LaCrosse. It will also cover many types of medical costs incurred in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of having insurance are definitely more than the cost, especially if you ever need it. According to a 2015 survey, the average American driver is currently overpaying as much as $810 a year so smart consumers compare quotes at every renewal to make sure the price is not too high.