Compare Buick LaCrosse Insurance Rate Quotes in Tampa

Insurance for Buick LaCrosseIf you want to find the absolute lowest rates, then the best way to get the cheapest car insurance rates is to start doing a yearly price comparison from different companies who provide auto insurance in Tampa.

First, learn about policy coverages and the measures you can take to prevent expensive coverage. Many policy risk factors that cause rate increases such as getting speeding tickets and a bad credit score can be controlled by making minor changes to your lifestyle. This article provides additional ideas to get affordable coverage and get bigger discounts that may have been overlooked.

Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can provide prices from multiple insurance companies.

Third, compare the new rates to the price on your current policy to see if you can save by switching companies. If you find a better price and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of shopping around is to try to compare similar coverage information on every price quote and and to compare every company you can. Doing this provides an accurate price comparison and plenty of rates choose from.

It’s safe to conclude that car insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around for a cheaper policy are highly likely to switch to a new company because of the high probability of finding coverage at a more affordable price. A recent auto insurance study discovered that consumers who compared rate quotes regularly saved about $70 a month compared to drivers who didn’t regularly shop around.

If saving the most money on insurance in Tampa is your ultimate goal, learning how to get price quotes and compare cheaper coverage can make shopping around easier.

The companies in the list below provide comparison quotes in Tampa, FL. To buy the cheapest car insurance in Tampa, FL, it’s highly recommended you visit two to three different companies to find the lowest car insurance rates.

Why you need insurance for your LaCrosse

Even though Tampa LaCrosse insurance rates can get expensive, buying auto insurance is mandatory in Florida but it also protects more than you think.

The benefits of insuring your car outweigh the cost, especially if you ever need it. According to a recent study, the average American driver overpays more than $820 a year so it’s very important to do a rate comparison each time the policy renews to save money.

Buick LaCrosse insurance charts and tables

The information shown next outlines a range of insurance costs for Buick LaCrosse models. Being aware of how auto insurance premiums are determined can be valuable when making informed decisions when comparing rate quotes.

Buick LaCrosse Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $348 $636 $400 $24 $120 $1,528 $127
Lacrosse CXL $348 $748 $400 $24 $120 $1,640 $137
Lacrosse CXL AWD $348 $748 $400 $24 $120 $1,640 $137
Lacrosse CXS $388 $748 $400 $24 $120 $1,680 $140
Get Your Own Custom Quote Go

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in zip code location which can revise insurance rates significantly.

Higher deductibles lower rates

One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The following tables can help you understand the rate difference between low and high physical damage coverage deductibles. The first rate table uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Buick LaCrosse insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $406 $648 $354 $20 $106 $1,559 $130
Lacrosse CXL $406 $764 $354 $20 $106 $1,675 $140
Lacrosse CXL AWD $406 $764 $354 $20 $106 $1,675 $140
Lacrosse CXS $452 $764 $354 $20 $106 $1,721 $143
Get Your Own Custom Quote Go

Buick LaCrosse insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $224 $342 $354 $20 $106 $1,046 $87
Lacrosse CXL $224 $402 $354 $20 $106 $1,106 $92
Lacrosse CXL AWD $224 $402 $354 $20 $106 $1,106 $92
Lacrosse CXS $250 $402 $354 $20 $106 $1,132 $94
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Estimates do not factor in specific Tampa garaging location which can alter insurance rates substantially.

Based on the figures above, using a $100 deductible will cost you approximately $47 more each month or $564 a year than selecting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 19 months between claims, you would more than likely save some money if you choose the higher deductible.

Comparison of auto insurance rates by gender

The example below illustrates the difference between Buick LaCrosse insurance costs for male and female drivers. The price estimates are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Liability only or full coverage

The example below illustrates the difference between Buick LaCrosse insurance costs with full coverage and liability only. The premium estimates are based on a clean driving record, no claims, $100 deductibles, single status, and no discounts are taken into consideration.

Deciding between full coverage and liability only

There is no exact rule of when to exclude full coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s pretend your Buick LaCrosse settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after paying the physical damage deductible. If you are paying over $300 annually to have full coverage, then you might want to consider buying only liability coverage.

There are a few cases where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should maintain full coverage.

Insurance discounts help lower rates for Buick LaCrosse insurance in Tampa

Companies that sell car insurance don’t list every policy discount very clearly, so the following is a list of some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy Tampa auto insurance online. If you check and find you aren’t receiving every discount available, you may be paying too high a price.Save money with discounts

Consumers should know that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, it’s just not the way it works. But any discount will bring down the cost of coverage.

The illustration below illustrates the comparison of Buick LaCrosse auto insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, a clean driving record, no claims, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, claim-free, homeowner, and multi-policy discounts applied.

Companies and a summarized list of policyholder discounts are included below.

Double check with each insurance company which discounts you qualify for. A few discounts might not be offered on policies in Tampa. To locate providers who offer insurance discounts in Tampa, click here.

Which car insurance company is best in Florida?

Picking the highest-rated company can be rather challenging considering how many companies there are in Tampa. The ranking information in the next section can help you choose which providers to look at comparing prices from.

Best Car Insurance Companies in Tampa
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
Compare Rates Now Go

Data Source: Best Car Insurance Companies