It takes a little time, but the best way to find the cheapest price for car insurance rates is to start doing an annual price comparison from insurance carriers in San Jose.
- Take a little time to learn about how car insurance works and the modifications you can make to lower rates. Many policy risk factors that cause rate increases such as tickets, at-fault accidents, and a low credit rating can be rectified by making lifestyle changes or driving safer.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while independent agents can quote prices from multiple companies.
- Compare the new rate quotes to the price on your current policy to see if a cheaper price is available in San Jose. If you find a lower rate quote and make a switch, verify that coverage does not lapse between policies.
An important note is that you’ll want to compare the same liability limits and deductibles on every quote request and and to get prices from as many companies as you can. This guarantees an apples-to-apples comparison and a thorough price selection.
It’s safe to conclude that insurance companies don’t want their customers to go rate shopping. Drivers who shop around will, in all likelihood, switch insurance companies because of the high probability of finding a policy with better rates. Remarkably, a study showed that consumers who made a habit of comparing rate quotes saved as much as $70 a month as compared to drivers who never compared prices.
If finding the lowest price for car insurance is why you’re here, then having a grasp of how to get free comparison quotes and analyze insurance rates can save money and time.
Finding the cheapest coverage in San Jose is really not that difficult. If you’re already insured, you will be able to find the best rates using these methods. But California car owners must comprehend how big insurance companies determine premium rates and use it to your advantage.
When price shopping your coverage, comparing all the rates in your area will increase your chances of finding a lower rate than you’re paying now.
The following companies are our best choices to provide price comparisons in California. If the list has multiple companies, we suggest you visit several of them in order to find the most competitive rates.
Do you qualify for discounts on Buick LaCrosse insurance in San Jose?
Insurance can cost an arm and a leg, but you may be missing some discounts that you may not even be aware of. Certain reductions will be credited when you get a quote, but some discounts are required to be asked about before you will receive the discount.
- Military Deployment Discount – Being on active deployment in the military can result in better premium rates.
- Discounts for Seat Belt Usage – Forcing all vehicle occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
- San Jose Homeowners Pay Less – Owning a house in San Jose may trigger a policy discount on car insurance since owning and maintaining a home means you have a higher level of financial diligence.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
- Low Miles Discount – Driving fewer miles can qualify you for discounted prices on garaged vehicles.
- Pay Upfront and Save – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
- Switch and Save Discount – A few companies give discounts for switching companies before your current coverage expires. It can save you around 10%.
- Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- First Accident Forgiveness – Not really a discount, but a few companies such as Progressive, State Farm and GEICO allow you one accident before your rates go up if your claims history is clear before the accident.
As is typical with insurance, most discounts do not apply to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. So even though you would think you could get a free car insurance policy, you’re out of luck.
The information below shows the difference between Buick LaCrosse insurance premiums with and without discounts applied to the rates. The premiums are based on a male driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, multi-policy, homeowner, and safe-driver discounts applied.
A few companies that may offer policyholders some of the above discounts include:
When getting a coverage quote, ask each company what discounts are available to you. Some of the discounts discussed earlier may not apply to policies everywhere. To view car insurance companies with the best discounts in California, follow this link.
Buick LaCrosse insurance analysis
The price information shown next highlights estimates of insurance premium costs for Buick LaCrosse models. Having insight into how auto insurance premiums are figured can be of help when making decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Lacrosse CXL AWD||$378||$780||$454||$26||$136||$1,774||$148|
|Get Your Own Custom Quote Go|
Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Estimates do not factor in specific zip code location which can modify auto insurance rates considerably.
Difference between full coverage and liability only rates
The information below compares Buick LaCrosse yearly insurance costs when comparing full coverage to state minimum liability only. The information is based on no tickets, no at-fault accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.
When to drop full coverage
There is no specific rule of when to exclude comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Buick LaCrosse book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $8,000 after paying your policy deductible. If you are paying more than $800 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some cases where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
How Your LaCrosse Insurance Costs are Determined
Lots of things are used in the calculation when premium rates are determined. A few of the factors are predictable like your driving record, but other criteria are less apparent such as whether you are married or your vehicle rating.
The list below includes a few of the “ingredients” used by insurance companies to determine your rate level.
- Reduce prices by driving vehicles with better crash test results – Safe vehicles can get you lower premiums. Safer cars reduce injuries and any reduction in injury severity means lower claim amounts and thus lower rates. If your Buick LaCrosse earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
- High physical damage deductibles equal low rates – Coverage for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your Buick. Examples of some claims that would be covered would be a broken side mirror, hail damage, and damage caused by flying debris. Deductibles for physical damage define how much you are willing to pay before a claim is paid by your company. The more money you have to pay, the less your company will charge you for insurance.
Cautious drivers pay better premiums – Your driving record has a big impact on rates. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Getting just one speeding ticket or other violation can bump up the cost forty percent or more. Drivers who have multiple citations such as reckless driving or DUI are required to maintain a SR-22 with the DMV in their state in order to legally drive.
The information below shows how speeding tickets and at-fault fender-benders can influence Buick LaCrosse premium costs for different insured age categories. The information is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
- Advanced alarm systems – Choosing to buy a car with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your vehicle from being stolen.
More performance means higher prices – The performance level of the car you need to insure makes a significant difference in your rates. Smaller low performance passenger vehicles usually have the lowest rates, but other factors influence the final cost greatly.
The following chart uses these variables: single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Buick LaCrosse rates compared to other models that have a range of performance rating factors.
- High insurance claims frequency drives up premiums – Auto insurance companies in California provide better rates to insureds who are not frequent claim filers. If you file claims often, you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
Buick LaCrosse claim probability – Insurance companies use past loss statistics for each vehicle as a way to help calculate a profitable premium price. Models that tend to have high amounts or severity of claims will cost more to insure. The table below demonstrates the insurance loss data for Buick LaCrosse vehicles.
For each policy coverage, the loss probability for all vehicles compiled together equals 100. Numbers that are below 100 suggest a better than average loss history, while percentage numbers above 100 indicate frequent claims or an increased likelihood of larger losses.
Auto Insurance Loss Data for Buick LaCrosse Models Vehicle 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 113BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years