Affordable Buick LaCrosse Insurance in Houston

Did a good deal turn into an expensive car insurance policy? It’s a common feeling and there are lots of people in the same boat.

Amazlingly, a recent NerdWallet.com study showed that almost 70% of drivers have been with the same company for at least the last four years, and roughly 40% of drivers have never shopped around. Drivers in Houston could save themselves approximately $1,766 a year by just comparing quotes, but they don’t know the actual amount they would save if they replace their high priced policy.

Having so many insurance companies to choose from that have lower-cost insurance for a Buick LaCrosse in Houston, it’s nearly impossible to choose the most affordable insurer.

Consumers need to check car insurance prices every six months due to the fact that insurance prices are rarely the same from one policy term to another. If you had the best rate on Buick LaCrosse insurance in Houston a couple years back the chances are good that you can find a lower premium rate today. Block out anything you think you know about car insurance because I’m going to teach you one of the best ways to find lower rates on car insurance.

It’s important to know that comparing a wide range of rates will enable you to find the best rates. Not every company provides online rate quotes, so you should also compare rates on coverage from those companies, too.

The companies shown below have been selected to offer comparison quotes in Texas. If several companies are displayed, we recommend you get rates from several of them in order to find the most affordable rates.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location which can influence price quotes greatly.

Impact of speeding/accidents on auto insurance rates

The example below shows how violations and at-fault accidents influence Buick LaCrosse auto insurance costs for each different age category. The data assumes a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

Deductible comparison

When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The comparisons below can help show the difference in cost when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in Houston location which can impact price quotes significantly.

Based on the data above, we can derive that using a $250 deductible will cost you about $16 more each month or $192 each year than opting for the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average more than 16 months between claim filings, you would probably save some money if you opt for a higher deductible.

Deductible comparison

The illustration below illustrates how your choice of deductibles and can impact Buick LaCrosse insurance prices for different age groups. The price estimates are based on a single male driver, comp and collision included, and no other discounts are factored in.

Buying the right LaCrosse insurance in Texas is an important decision

Despite the high insurance cost for a Buick LaCrosse in Houston, paying for car insurance serves an important purpose.

First, almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage in order to drive the car. 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 took out a loan on your car, it’s most likely the lender will stipulate that you have comprehensive coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Buick at a much higher rate and force you to pay a much higher amount than you were paying before.

Third, car insurance protects both your car and your assets. Insurance will pay for hospital and medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you have damage to your Buick as the result of the weather or an accident, your policy will pay to have it repaired.

The benefits of insuring your car more than offset the price you pay, particularly when you have a large claim. The average driver in America overpays as much as $869 every year so compare rate quotes each time the policy renews to ensure rates are inline.

Discounts can help lower rates on Buick LaCrosse insurance in Houston

Companies don’t necessarily list every discount very well, so the below list has a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for.

• Discount for Multiple Policies – If you can combine your home and auto policy with one insurance company you will save up to 20% and get you affordable Buick LaCrosse insurance rates in Houston.
• Good Student – A discount for being a good student can save 20 to 25%. Most companies allow this discount up until you turn 25.
• Renewal Discounts – A few companies allow discounts for switching to them prior to your current LaCrosse insurance policy expiring. It can save you around 10%.
• Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof of financial responsibility.
• Theft Deterrent – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10% off your Houston car insurance quote.
• Pay Now and Pay Less – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
• College Student Discount – Children who attend college more than 100 miles from Houston and do not have a car can be insured at a reduced rate.

Don’t be surprised that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of insurance companies who offer cheap Buick LaCrosse insurance quotes in Houston in Texas, click here.

Local Houston auto insurance agents and car insurance

Some consumers still like to get professional advice from a licensed agent and that is a smart decision The biggest benefit of getting online price quotes is you may find the best rates and also buy local.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data is emailed to agents in your area who want to provide quotes and help you find cheaper coverage. There is no reason to do any legwork due to the fact that quote results will go directly to you. You can find lower rates and a licensed agent to work with. If you want to get a comparison quote from one company in particular, just jump over to their website to submit a rate quote request.

Picking the best provider needs to be determined by more than just a cheap price quote. These are valid questions to ask:

• If you have an accident, will your rates go up?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Where would glass claims be handled in Houston?
• Is there a local claims center in Houston?
• What company holds the largest book of business for them?
• Do they review policy coverages at every renewal?
• Do clients work directly with the agent or are most inquiries handled by a CSR?

Shown below is a list of car insurance companies in Houston that may be willing to give comparison quotes for Buick LaCrosse insurance in Houston.

More Houston agents

Frequent quotes can save

Budget-conscious Buick LaCrosse insurance can be bought online as well as from independent agents in Houston, so get free Houston car insurance quotes from both of them to have the best rate selection. Some insurance companies don’t offer rates over the internet and usually these smaller companies only sell through independent agents.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Even more information is available in these articles:

• Get the Right Protection (InsureUonline.org)
• Who Has Cheap Auto Insurance for Postal Workers in Houston? (FAQ)
• Who Has Cheap Auto Insurance Quotes for a School Permit in Houston? (FAQ)
• Should I Buy a New or Used Car? (Allstate)
• Collision Insurance Coverage (Nationwide)
• Can I Drive Legally without Insurance? (Insurance Information Institute)