Affordable Insurance for a Buick LaCrosse in Memphis

To save the most money, the best way to find better pricing on Buick LaCrosse insurance in Memphis is to start doing an annual price comparison from insurers in Tennessee.

Step 1: Get an understanding of what is in your policy and the things you can control to drop your rates. Many rating criteria that are responsible for high rates like high-risk driving behaviors and a low credit rating can be remedied by making minor changes to your lifestyle. This article gives information to help prevent expensive coverage and find additional discounts.

Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while independent agencies can quote rates for a wide range of insurance providers. View a list of agents

Step 3: Compare the new rates to your current policy to see if a cheaper price is available in Memphis. If you find a better price and make a switch, make sure there is no coverage gap between policies.

Step 4: Notify your company or agent to cancel your current car insurance policy. Submit the required down payment along with the signed application to your new company or agent. When you receive it, store the certificate verifying coverage along with your vehicle registration.

The most important part of shopping around is that you use similar limits and deductibles on every price quote and and to get price estimates from all possible companies. Doing this ensures the most accurate price comparison and a thorough selection of prices.

It’s shocking but about 70% of customers kept their coverage with the same auto insurance company for a minimum of four years, and practically 40% of auto insurance customers have never compared rates from other carriers. U.S. drivers could cut their rates by almost $860 a year just by comparing rates, but most undervalue the big savings they would realize if they switched to a cheaper policy.

Cheaper Memphis auto insurance rates with discounts

Some companies don’t always advertise every discount in an easy-to-find place, so the next list breaks down a few of the more common as well as some of the hidden credits available to lower your premiums when you buy Memphis car insurance online.

• Early Renewal Discounts – Select companies give a discount for buying a policy before your current expiration date. It can save you around 10%.
• Own a Home – Owning your own home or condo can save you money because of the fact that having a home demonstrates responsibility.
• Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get better auto insurance rates.
• Discount for Life Insurance – Larger insurance carriers have a discounted auto insurance rate on car insurance if you buy life insurance.
• New Vehicle Savings – Putting auto insurance coverage on a new LaCrosse may earn a small discount because new model year vehicles keep occupants safer.
• Accident-Free Discounts – Insureds with no claims or accidents pay much less compared to frequent claim filers.
• Data Collection Discounts – Insureds that choose to allow their insurance company to analyze driving patterns by using a telematic data system like Allstate’s Drivewise might see lower rates if they have good driving habits.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like medical payments or collision. Just because you may think you could get a free auto insurance policy, that’s just not realistic. But any discount will bring down your policy cost.

The example below illustrates the comparison of Buick LaCrosse premium costs with and without discounts applied. The price estimates are based on a female driver, no claims or driving violations, Tennessee state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, safe-driver, claim-free, and multi-car discounts applied.

Larger auto insurance companies and their possible discounts include:

• GEICO has savings for good student, five-year accident-free, driver training, defensive driver, military active duty, federal employee, and anti-theft.
• Auto-Owners Insurance policyholders can earn discounts including safe vehicle, paperless, mature driver, safe driver, and multiple vehicles.
• American Family discounts include early bird, good student, good driver, mySafetyValet, defensive driver, and bundled insurance.
• Esurance includes discounts for Pac-12 alumni, good driver, anti-theft, multi-policy, safety device, and DriveSense.
• Progressive has discounts for online quote discount, homeowner, multi-policy, multi-vehicle, and online signing.
• State Farm may include discounts for multiple policy, passive restraint, Drive Safe & Save, anti-theft, safe vehicle, student away at school, and accident-free.
• AAA may have discounts that include anti-theft, education and occupation, AAA membership discount, multi-car, and good driver.

Double check with every company what discounts are available to you. Some discounts might not apply in Memphis. To locate companies who offer free Buick LaCrosse insurance quotes in Memphis, click here to view.

The companies in the list below can provide comparison quotes in Tennessee. If your goal is to find cheap car insurance in Memphis, we suggest you get rates from several of them in order to get a fair rate comparison.

Premium rates and analysis

The rate information displayed below covers a range of coverage prices for Buick LaCrosse models. Learning a little about how insurance policy premiums are established can help customers make informed decisions.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates significantly.

Can higher deductibles save money?

When buying insurance, a common question is how high should the physical damage coverage deductibles be. The comparison tables below summarize how much more you’ll pay when you choose different deductibles. The first data table uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

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

Based on this data, using a $100 deductible costs roughly $22 more each month or $264 each year across all Buick LaCrosse models than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 18 months between claims, you would probably come out ahead if you choose the higher deductible.

Irresponsible driving raises your rates

The information below demonstrates how citations and at-fault claims can impact Buick LaCrosse insurance rates for different age groups of insureds. The prices are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

Rate comparison of males versus females in Memphis

The information below compares Buick LaCrosse annual premium costs for male and female drivers. The data assumes a clean driving record, no claims, comp and collision included, $250 deductibles, single status, and no discounts are taken into consideration.

Full coverage rates vs. liability-only in Memphis

The illustration below visualizes the comparison of Buick LaCrosse yearly insurance costs with full physical damage coverage and with liability coverage only. Data assumes no claims or driving violations, $250 deductibles, single marital status, and no discounts are applied.

Should you pay for full coverage?

There is no written rule of when to drop full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your Buick LaCrosse book value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after you pay the deductible. If it’s costing you more than $800 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are some circumstances where buying only liability insurance is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage.

When should I talk to an insurance agent?

Some consumers still prefer to talk to a local agent and that can be a great decision Most agents can make sure you are properly covered and help you file claims. The biggest benefit of comparing rates online is that drivers can save money and get cheap auto insurance rates and also buy local.

Upon completion of this form (opens in new window), your information is transmitted to agents in your area who will give you quotes and help you find cheaper coverage. You won’t even need to even leave your home as quotes are delivered immediately to you. If for some reason you want to compare rates from a particular provider, you just need to search and find their rate quote page to submit a rate quote request.

Picking an company requires more thought than just the bottom line cost. Any agent in Memphis should have no problem answering these questions:

• Do you work with a CSR or direct with the agent?
• Does the agent have a valid license to sell insurance in Tennessee?
• Does the agency have a positive business rating?
• Are they actively involved in the community?
• By raising physical damage deductibles, how much would you save?
• Do they have 24-hour customer assistance?
• How experienced are they in personal risk management?
• Will their companies depreciate repairs to your car based on the mileage?

The following are Memphis auto insurance companies that may be willing to give comparison quotes for Buick LaCrosse insurance in Memphis.

View more agents

Don’t give up on affordable premiums

When searching for inexpensive Memphis car insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability limits or collision coverage and learned later that it was a big mistake. The proper strategy is to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

Some companies may not have online price quotes and these small, regional companies sell through independent agencies. Discount Buick LaCrosse insurance can be sourced online in addition to many Memphis insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

We covered a lot of information how to compare Buick LaCrosse insurance rates in Memphis. It’s most important to understand that the more you quote Memphis car insurance, the better your chances of lowering your car insurance rates. Drivers may even discover the most savings is with the least-expected company. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

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• Who Has Cheap Memphis Auto Insurance Rates for Drivers with Bad Credit? (FAQ)
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• Who Has Cheap Memphis Auto Insurance for a Ford Explorer? (FAQ)
• What Auto Insurance is Cheapest for Low Credit Scores in Memphis? (FAQ)
• How Much are Auto Insurance Rates for a Ford Escape in Memphis? (FAQ)
• Property Damage Coverage (Liberty Mutual)
• Teen Driving Statistics (GEICO)
• What to do at the Scene of an Accident (Insurance Information Institute)