The LaCrosse is a higher-end vehicle with a price tag that can drive car insurance rates even higher. What may help Buick LaCrosse insurance buyers, though, is its excellent safety ratings. Premiums for this vehicle average around $1,150 a year, which is less than the national average.
One of the biggest regular costs of owning a vehicle is car insurance. An insurance agent can help you find the best policy at the most affordable rates, but before you contact an agent, find out how owning a LaCrosse can affect your rates in other ways.
How Much Does Buick LaCrosse Insurance Cost?
The cost to insure a Buick LaCrosse averages $1,150 annually, according to Edmonds.com. This is about $300 less than the national average of $1,474.
If your Buick LaCrosse is involved in a crash with another vehicle, you want to be sure your insurance policy will not only help you repair your Buick, but the other person's vehicle as well. If you have passengers, you want to be sure your insurance policy will help them pay for medical care for any injuries.
Going without insurance means you can be held responsible for for any repairs or injuries to another party out of pocket. As the 12.6% of drivers on the roads without insurance find out, these expenses can be significant.
Most people know that their gender, age, driving history and location will affect the cost of a policy, but many insurance companies also consider the following:
- MSRP: The manufacturer's suggested retail price has a significant impact on insurance rates. A vehicle selling for $50,000 will have much higher insurance costs than one selling for $25,000.
- Credit Score: Many insurance companies take your credit score into account when determining your rate. In general, lower credit scores mean higher insurance premiums.
- Safety Rating: A vehicle with a high safety rating will cost less to insure than a vehicle with a poor safety rating, because the insurance company will be less likely to have to pay for medical bills after a crash in a safer car.
- Age of the Car: As vehicles age, they depreciate significantly in value. An older car is more likely to be totaled in an accident. This is because the cost of major repairs for an older car can often be higher than the vehicle’s entire worth. Therefore, it is likely that the owner would simply discard the vehicle and replace it, rather than paying for repairs, increasing the cost of insurance.
What Influences Insurance Costs for Mid-size Sedans?
The price you may pay to insure a Buick LaCrosse can vary significantly from state to state. If you have a claim-free driving history, you could pay less than the state average.
In 2015, the LaCrosse offered a hybrid model, which costs less to insure than the model with a traditional engine. Also, if you choose a used LaCrosse model with more safety features, it could reduce your insurance premium.
Mid-size sedans like the LaCrosse, are generally 15% to 20% less expensive to insure than SUVs or trucks. However, you may find that premiums will vary from model to model, depending on the size of the engine or other factors such as how the vehicle rates on safety and the likelihood of theft.
A vehicle's MSRP weighs heavily on the overall cost to insure it, which is another reason sedans tend to be more affordable to insure than larger, more expensive cars. For most insurance companies, the cost of the vehicle is the primary consideration when setting the price of the policy.
Buick LaCrosse Auto Theft and Safety Ratings
The crash test data for the Buick LaCrosse prompted the Insurance Institute for Highway Safety to give this vehicle excellent marks on safety. A "Good" rating from the IIHS is the highest mark a vehicle can receive. In crashworthiness, the Lacrosse was given the following ratings:
- Moderate overlap front: "Good"
- Side: "Good"
- Roof strength: "Good"
- Head restraints and seats: "Good"
With front and rear head airbags, a post-collision safety system, and a remote anti-theft alarm system, the LaCrosse is loaded with features that insurance companies like.
You may be able to install non-factory safety features to improve the LaCrosse's ability to protect you and its passengers even more. These packages may also reduce your Buick LaCrosse insurance costs.
Another factor that can affect your insurance rates is the risk of theft for your particular vehicle. According to the National Insurance Crime Bureau, no Buick model even makes the top 10 list of most stolen vehicles, so the LaCrosse is less likely to be stolen than many other cars.
However, urban areas are more prone to auto theft than rural areas, so your location in relation to how many vehicles are stolen in the area will affect your rates.
If you live in Modesto, California, the city with the highest rates of auto theft in the country, a higher insurance premium will reflect that risk. According to the FBI, a vehicle is stolen every 43 seconds. You can protect yourself against this risk by doing the following:
- Park off-street whenever available.
- Never leave valuables in sight.
- Always keep the doors locked and never store a spare key inside.
- Install anti-theft devices such as kill switches, GPS tracking and other theft alert systems.
Following these tips can not only prevent your vehicle from being stolen, it can also help keep your car insurance rates lower. If your Buick LaCrosse is stolen, it's important to contact your insurance agent as soon as possible.
Hopefully, you chose comprehensive coverage for your sedan, as a liability-only policy won't help in the event of theft. Your insurance agent should be able to help you quickly file a claim, protect you if your vehicle caused damage, and assist you in finding a rental car, which may be covered under your policy.
Costs for Buick LaCrosse Repairs
The price of repairing your vehicle following a crash also influences the cost of your insurance premiums. The Buick LaCrosse follows national averages in most areas of repair, excluding the grill, which can cost up to twice as much as many other vehicles.
Because of where the grill is located, this part is often damaged during a crash. It makes sense that a vehicle that costs more to repair would cost more to insure, since accident claims are the No. 1 cost to car insurance companies.
Even if the accident is not your fault, if you live in a state that has no-fault car insurance laws, you will most likely have to file a claim with your insurance company and not "the other guy's."
In these states, the accident must meet certain thresholds, such as severity of injury or a monetary limit for medical bills, before the other person's insurance company will pay for your injuries.
Where to Find Car Insurance for Your Buick LaCrosse
Now that you have chosen the Buick LaCrosse as the right vehicle for you, it is important to find the right insurance agent. Knowledgeable, independent agents are always available to answer any questions you may have about your Buick LaCrosse insurance options.
These experienced agents can locate a variety of quotes from a number of different insurance companies, enabling you to choose a policy with the best coverage at the most affordable rates. Contact a Trusted Choice agent today to find out how you can protect yourself and your new car.