Want to learn a better way to compare the cheapest Buick LaCrosse insurance in Atlanta? Trying to find cheaper insurance for a new or used Buick LaCrosse in Georgia can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to buy insurance and you need to know the proper way to quote coverages for a new or used Buick and locate the best price possible either online or from Atlanta insurance agents.
It’s astonishing, but a large majority of consumers kept their coverage with the same insurance company for well over three years, and nearly the majority have never compared rate quotes at all. Georgia drivers can cut their rates by approximately 60% a year by just comparing quotes, but they just don’t understand how easy it is to compare rates.
Consumers should take time to compare premium rates yearly because rates tend to go up over time. Despite the fact that you may have had the lowest premium rates on Buick LaCrosse insurance in Atlanta last year you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re about to find out the only way to find great coverage at a great price.
If you have a policy now or just want cheaper rates, take advantage of these tips to shop for the lowest rates without sacrificing coverage. Quoting and comparing affordable insurance in Atlanta is actually quite simple. Shoppers just need to know the fastest way to buy insurance from multiple carriers.
Most companies give prices for coverage online. Comparing Buick LaCrosse insurance rates online can be done by anyone as you simply type in the coverage amounts you desire on the page. After you submit the form their quoting system automatically orders credit information and your driving record and quotes a price.
The ability to get online price quotes for Buick LaCrosse insurance in Atlanta makes comparing rates easy, and it is important to do this if you are searching for the most affordable premium possible.
To find out what other companies charge, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend that you enter coverages and limits just like they are on your policy. This guarantees you are getting rate comparison quotes based on similar coverages.
The auto insurance companies shown below offer comparison quotes in Georgia. If more than one company is shown, it’s a good idea that you click on several of them to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lacrosse CX | $218 | $352 | $322 | $18 | $96 | $1,006 | $84 |
| Lacrosse CXL | $268 | $550 | $434 | $26 | $130 | $1,408 | $117 |
| Lacrosse CXL AWD | $330 | $682 | $434 | $26 | $130 | $1,602 | $134 |
| Lacrosse CXS | $240 | $404 | $314 | $18 | $94 | $1,070 | $89 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price estimates do not factor in specific Atlanta garaging location which can raise or lower premiums greatly.
Policy deductibles
One common question asked by Atlanta drivers is how high should the deductibles for physical damage be. The rates below may aid in understanding how much more you’ll pay of buying low and high coverage deductibles. The first rate table uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lacrosse CX | $344 | $512 | $334 | $20 | $100 | $1,335 | $111 |
| Lacrosse CXL | $344 | $604 | $334 | $20 | $100 | $1,427 | $119 |
| Lacrosse CXL AWD | $344 | $604 | $334 | $20 | $100 | $1,427 | $119 |
| Lacrosse CXS | $382 | $604 | $334 | $20 | $100 | $1,465 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lacrosse CX | $212 | $322 | $334 | $20 | $100 | $988 | $82 |
| Lacrosse CXL | $212 | $380 | $334 | $20 | $100 | $1,046 | $87 |
| Lacrosse CXL AWD | $212 | $380 | $334 | $20 | $100 | $1,046 | $87 |
| Lacrosse CXS | $236 | $380 | $334 | $20 | $100 | $1,070 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in vehicle garaging location which can decrease or increase coverage rates noticeably.
Based on this data, using a $250 deductible costs about $32 more each month or $384 a year than quoting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 23 months between claims, you would more than likely save some money if you opt for a higher deductible.
Tickets and at-fault accidents raise rates
The illustration below highlights how traffic violations and accidents impact Buick LaCrosse insurance prices for different age groups. Data assumes a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
These discounts can lower your auto insurance rates
Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied at the time of purchase, but some discounts are required to be asked for in order for you to get them.
- Senior Citizens – If you qualify as a senior citizen, you may receive a small discount on rates.
- Discount for Life Insurance – Insurance carriers who offer life insurance give a small discount if you purchase life insurance.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Lower Rates for Military – Having an actively deployed family member could mean lower rates.
- Low Mileage Discounts – Maintaining low annual mileage could be rewarded with lower auto insurance rates on the low mileage vehicles.
- New Vehicle Savings – Buying a new car instead of a used LaCrosse may earn a small discount due to better safety requirements for new model year vehicles.
- Early Signing – A few auto insurance companies allow discounts for buying a policy before your current LaCrosse insurance policy expires. This discount can save up to 10%.
You should keep in mind that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will definitely reduce the amount you pay for coverage.
A few companies that may offer these money-saving discounts are:
- State Farm
- Liberty Mutual
- American Family
- Progressive
- Farmers Insurance
- Auto-Owners Insurance
- SAFECO
When getting a coverage quote, ask every insurance company which discounts can lower your rates. All car insurance discounts may not be available in your state. If you would like to choose from a list of companies that offer discounts in Georgia, click this link.
It may be expensive, but it’s not optional
Despite the fact that car insurance is not cheap in Atlanta, car insurance is required in Georgia but it also protects you in many ways.
- Almost all states have mandatory liability insurance requirements which means state laws require specific limits of liability insurance in order to drive the car. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your vehicle, most banks will require you to carry insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Buick for a much higher rate and require you to pay for it.
- Car insurance preserves both your Buick LaCrosse and your personal assets. It will also provide coverage for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, also covers legal expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance more than offset the price you pay, especially when you need to use it. On average, a vehicle owner in Atlanta overpays more than $865 each year so compare quotes from several companies at every policy renewal to make sure the price is not too high.
Car insurance agents near you
Many people still prefer to get professional advice from a licensed agent and that can be a smart move Insurance agents will help you protect your assets and will help you if you have claims. The best thing about comparing insurance prices online is that you can obtain better rates but also keep your business local.
By using this simple form, your insurance data is sent to insurance agents in Atlanta who can give free rate quotes for your insurance coverage. You don’t have to leave your house as quotes are delivered directly to you. If you want to get a comparison quote from a specific insurance company, you just need to jump over to their website and complete a quote there.
Choosing an company shouldn’t rely on just the bottom line cost. Any agent in Atlanta should be forthright in answering these questions:
- Do the companies they represent have a solid financial rating?
- Is the agent properly licensed in Georgia?
- Does their agency support local causes in Atlanta?
- Is there a 24/7 contact number?
- Do they offer accident forgiveness?
- Can they help ensure a fair claim settlement?
- Are claims handled at the agent’s location?
Insurance agent types
When looking for local Atlanta agents, you need to know there are two different types of agencies and how they can write your policy. Insurance agents in Atlanta can either be independent (non-exclusive) or exclusive. Either one can insure your vehicles, but it’s worth learning why they differ since it could factor into the selection process.
Exclusive Insurance Agents
Agents of this type work for only one company and some examples include Farmers Insurance and State Farm. They generally cannot shop your coverage around so it’s a take it or leave it situation. Exclusive agents receive a lot of sales training on sales techniques and that can be a competitive advantage. A lot of people choose to use a exclusive agent mostly because of the prominence of the brand and solid financial strength.
The following is a short list of exclusive insurance agents in Atlanta who may provide you with comparison quotes.
- Allstate Insurance: Laura Leidigh
7 Lenox Pointe NE – Atlanta, GA 30324 – (404) 233-5650 – View Map - Phyllis Mitchell – State Farm Insurance Agent
1442 Dresden Dr NE #253 – Atlanta, GA 30319 – (404) 812-9951 – View Map - Willard Murphy – State Farm Insurance Agent
3867 Roswell Rd NE #101 – Atlanta, GA 30342 – (404) 816-8885 – View Map
Independent Insurance Agents
Agents that choose to be independent often have many company appointments so as a result can place your coverage through lots of different companies and get you the best rates possible. If premiums increase, your agent can switch companies and the insured can keep the same agent. If you are trying to find cheaper rates, we recommend you get some free quotes from at least one independent agent so that you have a good selection of quotes to compare. Most have the option of insuring with mutual insurance companies who may have lower rates.
Listed below is a list of independent agencies in Atlanta that can give you comparison quotes.
- Morris and Templeton Insurance
3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map - Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A – Atlanta, GA 30310 – (470) 771-3398 – View Map - Discount Auto Insurance Agency Inc
1149 Moreland Ave SE # 4 – Atlanta, GA 30316 – (404) 624-3102 – View Map
After getting satisfactory answers as well as an affordable premium quote, it’s possible that you found an insurance agent that can be relied on to adequately provide insurance. Just keep in mind it’s your policy and you can cancel your coverage whenever you wish so don’t assume that you are obligated to your new company for any length of time.