Compare Buick LaCrosse Insurance Quotes in Portland

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It's amazing but the vast majority of auto insurance customers renewed their policy with the same company for four years or more, and roughly 40% of drivers have never compared rates with other companies. Portland consumers could cut their rates by almost $967 a year by just shopping around, but they don't believe the benefits if they just switched companies.

Discount Buick LaCrosse insuranceThe most effective way to get low-cost car insurance rates is to start doing a yearly price comparison from insurance carriers in Portland.

  1. Spend some time learning about the different coverages in a policy and the changes you can make to drop your rates. Many factors that are responsible for high rates like accidents, traffic violations, and an imperfect credit rating can be improved by making lifestyle changes or driving safer.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while independent agents can give you price quotes from multiple companies.
  3. Compare the new quotes to your current policy and see if there is a cheaper rate in Portland. If you can save some money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

The key aspect of shopping around is that you use similar deductibles and liability limits on each quote and and to get price estimates from every insurance company. Doing this ensures the most accurate price comparison and the best price quote selection.

The providers in the list below provide comparison quotes in Portland, OR. If multiple companies are listed, we recommend you visit as many as you can to get a more complete price comparison.

Car insurance protects more than just your car

Despite the potentially high cost of Buick LaCrosse insurance, car insurance is mandatory in Oregon but it also protects more than you think.

  • Just about all states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage in order to license the vehicle. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
  • If you have a loan on your Buick LaCrosse, almost all lenders will stipulate that you have comprehensive coverage to protect their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Buick at a much higher rate and force you to pay for the expensive policy.
  • Insurance safeguards both your assets and your Buick. Insurance will pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your policy will pay to have it repaired.

The benefits of buying enough insurance definitely exceed the cost, particularly if you ever have a claim. An average driver in America overpays as much as $810 a year so shop around every year to make sure the price is not too high.

Coverage statistics and figures

The table displayed below outlines estimates of coverage prices for Buick LaCrosse models. Having a good grasp of how auto insurance prices are formulated can aid in making smart choices when selecting a coverage provider.

Buick LaCrosse Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $240 $408 $286 $16 $86 $1,036 $86
Lacrosse CXL $240 $480 $286 $16 $86 $1,108 $92
Lacrosse CXL AWD $240 $480 $286 $16 $86 $1,108 $92
Lacrosse CXS $266 $480 $286 $16 $86 $1,134 $95
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific garaging location which can modify insurance rates noticeably.

Physical damage deductible comparison

One of the most common insurance questions is how high should the physical damage deductibles be. The following tables may aid in understanding the differences in premium rates between high and low insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Buick LaCrosse insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $278 $416 $272 $16 $82 $1,089 $91
Lacrosse CXL $278 $490 $272 $16 $82 $1,163 $97
Lacrosse CXL AWD $278 $490 $272 $16 $82 $1,163 $97
Lacrosse CXS $310 $490 $272 $16 $82 $1,195 $100
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Buick LaCrosse insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $226 $336 $272 $16 $82 $932 $78
Lacrosse CXL $226 $396 $272 $16 $82 $992 $83
Lacrosse CXL AWD $226 $396 $272 $16 $82 $992 $83
Lacrosse CXS $252 $396 $272 $16 $82 $1,018 $85
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle garaging location which can revise coverage prices noticeably.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $14 more each month or $168 annually than opting for the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 18 months between claims, you would most likely save money if you choose a higher deductible.

Accidents and violations increase rates

The diagram below highlights how speeding tickets and at-fault collisions increase Buick LaCrosse insurance costs for each age group. The premium estimates are based on a single female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

Get cheaper Buick LaCrosse insurance in Portland with discounts

Buying insurance is not cheap, but there may be some discounts that can help lower your rates. Certain reductions will be credited at the time you complete a quote, but a few must be requested specifically prior to getting the savings. If they aren't giving you every credit possible, you are just wasting money.Cheaper insurance with discounts

  • ABS Braking Discount - Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.
  • Telematics Discount - Portland drivers who agree to allow their insurance company to look at their driving habits by installing a telematics device such as Progressive's Snapshot and State Farm's In-Drive could see a rate decrease as long as the data is positive.
  • Early Renewal Discounts - A few companies give discounts for renewing your policy prior to your current LaCrosse insurance policy expiring. It could save around 10% when you buy Portland auto insurance online.
  • Senior Discount - Drivers over the age of 55 could receive reduced rates.
  • Multiple Vehicles - Drivers who insure multiple vehicles on one policy may reduce the rate for each vehicle.

Discounts save money, but please remember that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates you could get a free insurance policy, it just doesn't work that way.

The chart below illustrates the difference between Buick LaCrosse yearly insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no violations or accidents, Oregon state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, homeowner, multi-car, and safe-driver discounts applied.

Popular insurance companies and a selection of discounts can be found below.

  • State Farm policyholders can earn discounts including good driver, multiple policy, Steer Clear safe driver discount, multiple autos, and driver's education.
  • GEICO offers premium reductions for emergency military deployment, multi-vehicle, membership and employees, military active duty, and good student.
  • Liberty Mutual discounts include good student, multi-car, newly married, new vehicle discount, and exclusive group savings.
  • The Hartford may have discounts that include air bag, defensive driver, driver training, vehicle fuel type, anti-theft, and bundle.
  • MetLife offers discounts including good driver, multi-policy, defensive driver, accident-free, and claim-free.
  • Progressive has discounts for continuous coverage, online signing, multi-vehicle, homeowner, good student, and multi-policy.

Before you buy a policy, ask each company or agent to apply every possible discount. Some discounts might not be offered on policies in every state. To find insurance companies that offer some of these discounts in Portland, follow this link.

How much insurance do I need?

When quoting and choosing proper insurance coverage, there really is no perfect coverage plan. Your situation is unique.Drive safe and save

For instance, these questions might point out whether your personal situation might need professional guidance.

  • What does medical payments coverage do?
  • What does medical payments cover?
  • Is my Buick LaCrosse covered if I use it for business?
  • Is there coverage for my trailer?
  • What can I do if my company denied a claim?
  • I have a DUI can I still get coverage?
  • What is motorclub and do I need it?
  • Am I covered when driving a rental car?
  • Do I need to file an SR-22 for a DUI in Oregon?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.