I can't think of anyone who likes buying car insurance, particularly when they are paying too much.

Discount Buick LaCrosse insuranceIt's hard to fathom, but almost 70% of drivers in Indiana have bought car insurance from the same company for more than four years, and virtually 40% of consumers have never shopped around. Consumers in the United States could pocket roughly $859 a year by just comparing quotes, but most undervalue the amount of money they would save if they switched.

There is such a variety of insurers to purchase coverage from, and even though it's nice to have multiple companies, it makes it harder to compare rates for Buick LaCrosse insurance in Evansville.

It's smart to take a look at other company's rates once or twice a year since prices change regularly. Despite the fact that you may have had the best deal on Buick LaCrosse insurance in Evansville at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you're going to learn the fastest and easiest way to remove unneeded coverages and save money.

Buying the cheapest auto insurance in Evansville is easy if you know what you're doing. Essentially every vehicle owner who comparison shops for auto insurance will more than likely find a lower-cost company. But Indiana drivers must know the way companies sell online and use it to your advantage.

Insurance Rate Influencing Factors

Lots of things are considered when pricing auto insurance. Most are fairly basic like your driving record, although some other factors are not quite as obvious like where you live or how financially stable you are. Smart consumers have a good feel for the rating factors that help calculate the rates you pay for insurance. If you know what determines premiums, this enables you to make decisions that may reward you with lower premium levels.

The factors shown below are some of the most rate-impacting factors used by insurance companies to determine your premiums.

Do you have a demanding occupation? - Jobs such as military generals, architects and stock brokers tend to pay higher average rates because of intense work-related stress and lots of time spent away from family. On the other hand, careers such as actors, students and performers pay the least.

Cautious drivers pay less - Your driving record has a lot to do with how much you pay for insurance. Getting just one citation can bump up the cost by as much as twenty percent. Careful drivers get better rates compared to bad drivers. People who have careless violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.

Add-on coverages push up prices - There are a ton of additional extra coverages that sound like a good idea at the time if you don't pay attention. Coverages for coverage for rental cars, better glass coverage, and term life insurance are examples of these. These may sound like a good investment when talking to your agent, but if they're wasting money remove them and pocket the money.

Insurance prices and driver gender - Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that men are worse drivers. Both genders cause fender benders in similar percentages, but males tend to have more serious accidents. Men also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.

Improve your credit score and save - An insured's credit rating can be an important factor in calculating your insurance rates. Drivers who have high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit. So if your credit history can use some improvement, you may save money insuring your Buick LaCrosse by repairing your credit.

Safer vehicles cost less to insure - Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims which can result in lower premiums.

Filing insurance claims can cost more - Insurance companies in Indiana provide lower rates to insureds who only file infrequent claims. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance is meant to be used in the event of larger claims.

Buick LaCrosse claim statistics - Auto insurance companies analyze historical claim data to help determine the rate you pay. Models that the data determines to have a trend towards higher claim severity or frequency will cost more to insure. The table shown below demonstrates the insurance loss data used by companies for Buick LaCrosse vehicles.

For each type of coverage, the loss probability for all vehicles averaged together equals 100. Numbers that are below 100 represent a good loss history, while values over 100 point to more claims or tendency to have higher losses.

Auto Insurance Loss Data for Buick LaCrosse Models

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Buick LaCrosse 2WD 96 85 93 100 109 92
Buick LaCrosse 4WD 101 92 113

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When price shopping your coverage, more quotes will enable you to find a lower rate. Not every company provides online rate quotes, so it's important to also get prices on coverage from those companies, too.

The providers in the list below provide price quotes in Indiana. If multiple providers are shown, we suggest you click on several of them to get the best price comparison.

Buick LaCrosse Insurance Price Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $194 $288 $244 $14 $72 $812 $68
Lacrosse CXL $118 $230 $230 $14 $68 $660 $55
Lacrosse CXL AWD $146 $306 $310 $18 $92 $872 $73
Lacrosse CXS $276 $472 $246 $14 $74 $1,082 $90
Get Your Own Custom Quote Go

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rates do not factor in zip code location which can lower or raise auto insurance rates substantially.

An analysis of deductible level

The diagram below illustrates how choosing a deductible and can increase or decrease Buick LaCrosse insurance prices for different insured age categories. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

Where to set your deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The figures shown below summarize the rate difference between low and high coverage deductibles. The first pricing table uses a $250 deductible for physical damage and the second price table uses a $500 deductible.

Buick LaCrosse insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $244 $366 $238 $14 $72 $959 $80
Lacrosse CXL $244 $430 $238 $14 $72 $1,023 $85
Lacrosse CXL AWD $244 $430 $238 $14 $72 $1,023 $85
Lacrosse CXS $272 $430 $238 $14 $72 $1,051 $88
Get Your Own Custom Quote Go
Buick LaCrosse insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $200 $294 $238 $14 $72 $818 $68
Lacrosse CXL $200 $348 $238 $14 $72 $872 $73
Lacrosse CXL AWD $200 $348 $238 $14 $72 $872 $73
Lacrosse CXS $222 $348 $238 $14 $72 $894 $75
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in specific garaging location which can raise or lower rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $13 more each month or $156 annually than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at least 19 months between claims, you would probably save some money if you decide on a higher deductible.

Three good reasons to insure your Buick vehicle

Despite the potentially high cost of Buick LaCrosse insurance, maintaining insurance may be mandatory for several reasons.

The benefits of having insurance outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is wasting up to $830 a year so you should quote rates at every renewal to be sure current rates are still competitive.

Get cheaper Buick LaCrosse insurance rates in Evansville

Properly insuring your vehicles can get expensive, but there are discounts available that many people don't even know exist. A few discounts will be applied when you quote, but some must be specially asked for in order for you to get them.Save money with discounts

It's important to understand that some credits don't apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like it's possible to get free car insurance, insurance companies wouldn't stay in business.

To locate insurance companies offering auto insurance discounts in Indiana, click here.

Do I need an insurance agency?

Some people still like to get advice from a local agent and that is OK! One of the great benefits of comparing insurance online is the fact that you can find cheap insurance rates but still work with a licensed agent.

Insurance agents in EvansvilleUpon completion of this simple form, the coverage information is immediately sent to participating agents in Evansville that can give you free Evansville auto insurance quotes for your coverage. It makes it easy because there is no need to contact an agency due to the fact that quote results will go to you instantly. You can find the lowest rates without requiring a lot of work. If you have a need to quote rates from a specific company, just go to their quote page and give them your coverage information.

Choosing a provider requires more thought than just a low price. You should also get answers to these questions.

Evansville auto insurance agents are either independent or exclusive

When narrowing the list to find a reputable insurance agent or broker, there are two types of insurance agents that differ in how they can insure your vehicles. Evansville agents can be categorized as either independent or exclusive.

Exclusive Insurance Agents

Agents in the exclusive channel can only provide one company's prices such as State Farm, Allstate, and Farm Bureau. These agents are unable to compare other company's rates so you might not find the best rates. Exclusive agents receive a lot of sales training in insurance sales and that allows them to sell at a higher price point.

Below is a short list of exclusive insurance agencies in Evansville that are able to give price quotes.

Jerry Smith - State Farm Insurance Agent
4800 University Dr Ste B - Evansville, IN 47712 - (812) 425-6338 - View Map

1211 Tutor Ln Ste F - Evansville, IN 47715 - (812) 471-3276 - View Map

419 E Diamond Ave - Evansville, IN 47711 - (812) 425-3300 - View Map

More Evansville agents

Independent Insurance Agents

Independent agencies are not employed by any specific company so they have the ability to put coverage with a variety of different insurance companies depending on which coverage is best. If you want to switch companies, the business is moved internally which requires no work on your part.

If you need cheaper insurance rates, you will want to get insurance quotes from multiple independent agents for maximum quote selection.

Shown below is a short list of independent insurance agencies in Evansville willing to provide price quote information.

1136 Washington Square - Evansville, IN 47715 - (812) 491-0995 - View Map

1919 W Franklin St - Evansville, IN 47712 - (812) 437-3933 - View Map

2029 Washington Ave - Evansville, IN 47714 - (812) 479-3141 - View Map

More Evansville agents

After talking to the agent and getting acceptable answers to all your questions as well as a affordable price, you have narrowed it down to an insurance agency that is professional and can provide insurance coverage. But remember, you are able to terminate your policy whenever you wish so don't feel you're contractually obligated to a policy with no way to switch.

Cheap coverage is out there

We just presented many ideas to lower your Buick LaCrosse insurance prices in Evansville. It's most important to understand that the more you quote Evansville auto insurance, the better chance you'll have of finding low cost Evansville auto insurance quotes. Consumers could even find that the lowest prices are with a company that doesn't do a lot of advertising. Regional companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Cost effective Buick LaCrosse insurance can be sourced on the web and from local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies don't offer online rate quotes and usually these regional carriers only sell coverage through independent insurance agencies.

For more information, take a look at the resources below: