Are you irritated from scraping the payment together to insure your Buick every month? You have the same problem as most other people in California.
It’s well known that insurance companies don’t want their policyholders to compare prices. Insureds who perform rate comparisons are likely to buy a different policy because of the good chance of getting low-cost coverage. A recent survey found that consumers who shopped around every year saved about $3,500 over four years compared to other drivers who never compared prices.
If finding the cheapest price on car insurance in Oakland is the reason for your visit, then having some knowledge of how to get rate quotes and compare cheaper coverage can make it easier to shop your coverage around.
How to find better rates for Buick LaCrosse insurance in Oakland
To save the most money, the best way to get cheaper auto insurance rates in Oakland is to start comparing rates regularly from insurers in California. This can be done by completing these steps.
- Step 1: Read and learn about the coverage provided by your policy and the modifications you can make to prevent rate increases. Many policy risk factors that result in higher rates like accidents, traffic violations, and your credit history can be rectified by making small lifestyle or driving habit changes. Continue reading for more ideas to help keep rates affordable and get additional discounts that may be available.
- Step 2: Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO and State Farm, while independent agencies can quote prices from multiple insurance companies.
- Step 3: Compare the price quotes to your current policy premium and determine if there is any savings. If you find a lower rate and decide to switch, make sure coverage does not lapse between policies.
- Step 4: Give notification to your agent or company of your decision to cancel your current coverage and submit a down payment along with a signed application to your new agent or company. As soon as you receive it, put the new certificate of insurance with your registration paperwork.
One key aspect of rate comparisons is to use the same level of coverage on every price quote and and to get quotes from as many companies as possible. Doing this guarantees an apples-to-apples comparison and a complete rate analysis.
With so many choices for buying cheaper insurance for a Buick LaCrosse in Oakland, it can be hard to locate the right insurance company.
Consumers should take time to compare rates before your next renewal since prices go up and down regularly. Even if you got the lowest quotes on Buick LaCrosse insurance in Oakland a year ago other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to learn the best way to find better coverage on Buick LaCrosse insurance in Oakland at a better price.
These discounts can slash Buick LaCrosse insurance rates
Car insurance can cost a lot, but there are discounts available that you may not even know about. Many discounts should be triggered at the time of purchase, but some discounts are required to be asked about before you get the savings. If you don’t get every credit you deserve, you’re just leaving money on the table.
- Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
- Defensive Driver – Completing a defensive driving class could save 5% or more if your company offers it.
- Lower Rates for Military – Being deployed in the military could trigger a small discount.
- Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for cheaper prices.
- E-sign – Some larger companies will give a small break just for signing your application digitally online.
- New Vehicle Savings – Insuring a vehicle that is new can be considerably cheaper since newer vehicles have better safety ratings.
- No Claims – Insureds who avoid accidents and claims are rewarded with significantly better rates on Oakland auto insurance quote as opposed to bad drivers.
- Good Drivers – Drivers without accidents could pay up to 40% less than drivers with accidents.
- Theft Prevention System – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Early Renewal Discounts – Some companies give discounts for signing up early. This can save 10% or more.
A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.
The information below visualizes the comparison of Buick LaCrosse insurance prices with and without discounts being applied to the rates. The data assumes a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, homeowner, multi-car, and safe-driver discounts applied.
For a list of providers with the best discounts in Oakland, click here to view.
Finding more affordable insurance quotes doesn’t have to be difficult. The only thing you need to do is take time to compare rates to find out which insurance company has the cheapest Buick LaCrosse rate quotes.
It’s so fast and easy to compare rate quotes online that it takes the place of having to physically go to local insurance agencies. Comparing Buick LaCrosse insurance rates online has made agencies unnecessary unless your situation requires the professional abilities of a local agency. Although you can comparison shop your insurance online but buy the policy through an agent.
The companies shown below are ready to provide price comparisons in California. If you want cheap car insurance in California, we suggest you visit several of them to get a more complete price comparison.
Insurance rate breakdown
The coverage table shown next showcases detailed analysis of coverage prices for Buick LaCrosse models. Having a better idea how rates are determined can help drivers make informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Lacrosse CXL AWD||$476||$996||$508||$30||$152||$2,162||$180|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific location information which can alter auto insurance rates noticeably.
How high should deductibles be?
The hardest decision when buying coverage is how high should your deductibles be. The following insurance rates can help you visualize the costs and benefits between low and high physical damage coverage deductibles. The first table uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Lacrosse CXL AWD||$386||$678||$376||$22||$112||$1,599||$133|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Lacrosse CXL AWD||$314||$546||$376||$22||$112||$1,370||$114|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in garaging location in Oakland which can affect premium rates noticeably.
Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $19 more each month or $228 every year than choosing the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have more than 13 months between claim filings, you would come out ahead if you decide on a higher deductible. The illustration below shows how this decision is made.
|Average monthly premium for $250 deductibles:||$132|
|Average monthly premium for $500 deductibles (subtract):||– $113|
|Monthly savings from raising deductible:||$19|
|Difference between deductibles ($500 – $250):||$250|
|Divide difference by monthly savings:||$250 / $19|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||13 months|
Full coverage or liability only
The example below illustrates the comparison of Buick LaCrosse auto insurance rates with and without physical damage coverage. The prices are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no definitive rule for phasing out physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Buick LaCrosse claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after paying your policy deductible. If premium cost is more than $800 annually for full coverage, then you might want to consider buying only liability coverage.
There are some cases where dropping full coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not drop full coverage.
Insurance Premium Influencing Factors
An important part of buying insurance is that you know the rating factors that help determine the rates you pay for car insurance. If you understand what determines premiums, this allows you to make good choices that may result in cheaper rates. Many different elements are used in the calculation when quoting car insurance. Some are pretty understandable like an MVR report, although others are less obvious like your continuous coverage or your commute time.
The factors shown below are some of the items that factor into rates.
Policy add-ons add up – There are many extra add-on coverages that can waste your money on your car insurance policy. Coverage for things like rental car coverage, towing, and Farm Bureau memberships may be wasting your money. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past remove them from your policy.
Rates for men may be higher – Over the last 50 years, statistics have shown that females take fewer risks when driving. This data doesn’t prove that women are better drivers. Men and women cause auto accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men get more serious tickets like driving under the influence (DUI).
The chart below shows the comparison of Buick LaCrosse insurance costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, full coverage, $250 deductibles, single status, and no discounts are taken into consideration.
Be proud to be claim-free – Insurance companies in California generally give lower rates to people who are claim-free. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Your insurance policy is designed for more catastrophic claims.
Get better costs after the wedding – Having a wife or husband may cut your premiums when shopping for car insurance. Having a spouse translates into being more responsible and insurance companies reward insureds because drivers who are married file infrequent claims.
Drivers with good credit save – An insured’s credit rating can be a huge factor in calculating your premium rate. If your credit rating is low, you could save money insuring your Buick LaCrosse if you improve your credit rating. Drivers who have excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit.
How do annual miles impact costs? – The higher the miles on your Buick each year the more you’ll pay to insure it. A lot of companies calculate rates based upon how much you drive. Autos that are left in the garage qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance declarations sheet shows the correct driver usage, because it can save money. Having the wrong rating on your LaCrosse can result in significantly higher rates.
The type of car, truck or SUV makes a difference – The make and model of the car, truck or SUV you are buying insurance for makes a huge difference in determining your rates. The cheapest insurance rates tend to be for smaller low performance passenger cars, but there are many factors that impact the final cost.
The following data uses these variables: married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. The data compares Buick LaCrosse insurance premiums compared to other makes and models that have a range of risk factors.
Buick LaCrosse insurance loss statistics – Insurers include the past claim history for a vehicle to calculate a rate that will offset losses. Vehicles that the statistics show to have high amounts or severity of claims will have higher rates for specific coverages.
The next table shows the compiled insurance loss statistics for Buick LaCrosse vehicles. For each policy coverage, the statistical loss for all vehicles combined as an average is set at 100. Percentage numbers below 100 suggest losses that are better than average, while values over 100 show a trend for more claims or an increased chance of larger losses than average.
|Vehicle 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
How do I know if I need professional advice?
Keep in mind that when it comes to choosing coverage online or from an agent for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
For instance, these questions might point out if you might need an agent’s assistance.
- Can I afford to buy a different vehicle if my Buick LaCrosse is totaled?
- Am I covered when driving on a suspended license?
- What if a claim settlement is too low?
- Does my policy cover my teen driver if they drive my company car?
- When would I need additional glass coverage?
- What if an uninsured driver hits me?
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.
What if I want to buy from local Oakland auto insurance agents?
A lot of people would rather buy from a licensed agent and that is recommended in a lot of cases Insurance agents are highly skilled in risk management and help submit paperwork. The biggest benefit of getting free rate quotes online is you can get cheap car insurance quotes and still buy from a local agent. And providing support for local insurance agents is definitely important in Oakland.
Upon completion of this short form, the coverage information is immediately sent to insurance agents in Oakland who want to provide quotes for your coverage. There is no reason to drive around since rate quotes are delivered to the email address you provide. If you want to quote rates from a specific insurance company, don’t hesitate to navigate to their website to submit a rate quote request.
Oakland car insurance agents are either independent or exclusive
When narrowing the list to find a good insurance agency, there are a couple of types of agencies and how they work. Insurance agencies in Oakland can be described as either independent or exclusive. Either one can do a good job, but it’s good to learn how they are different because it may have an impact on buying decisions.
Independent Agents (or Brokers)
Independent agents do not have single company limitations and that gives them the ability to insure with multiple insurance companies and help determine which has the cheapest rates. If your agent finds better pricing, your agent can just switch to a different company and you won’t have to switch agencies.
If you are comparing rate quotes, you absolutely need to include price quotes from at a minimum one independent agency in order to have the best price comparison.
Shown below are independent insurance agents in Oakland that can give you price quote information.
Greater Metrowest Insurance Agency
Oakland, CA 94612 – Oakland, CA 94612 – (510) 444-1404 – View Map
Exclusive Car Insurance Agents
Agents in the exclusive channel work for only one company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agencies receive a lot of sales training on what they offer which aids in selling service over price.
Shown below is a short list of exclusive insurance agencies in Oakland willing to provide price quotes.
Deciding on a insurance agent needs to be determined by more than just the quoted price. These are valid questions to ask:
- Do they carry Errors and Omissions coverage?
- Does the agency have a positive business rating?
- Do they get extra compensation for selling add-on coverages?
- Is every driver in your family covered?
- Do they offer claims assistance after hours?
After talking to the agent and getting acceptable answers for all questions you ask and an affordable coverage quote, most likely you have located an insurance agency that is reputable and can service your policy. But remember, consumers can cancel your coverage whenever you choose to so don’t assume that you’re stuck with a specific agent for the entire policy term.
Why you need insurance for your Buick vehicle
Even though it can be expensive, paying for auto insurance may be required and benefits you in several ways.
First, the majority of states have mandatory insurance requirements which means you are required to buy a minimum amount of liability coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your LaCrosse, it’s guaranteed your bank will make it mandatory that you have physical damage coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Buick at a much higher premium rate and make you pay the higher price.
Third, auto insurance preserves not only your Buick but also your financial assets. It will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance 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, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car definitely exceed the cost, especially when you need to use it. The average driver in California is wasting up to $869 every year so compare rate quotes every year to make sure the price is not too high.
Oakland car insurance companies ranked
Finding the right company can be a challenge considering how many companies provide coverage in California. The information shown next could help you decide which coverage providers to look at when comparing rate quotes.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
How much can you save?
As you quote Oakland auto insurance, never reduce needed coverages to save money. In many cases, drivers have reduced full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.
We covered a lot of techniques to compare Buick LaCrosse insurance car insurance rates in Oakland. The key thing to remember is the more quotes you get, the better chance you’ll have of finding affordable Buick LaCrosse insurance quotes. You may even discover the best car insurance rates are with some of the smallest insurance companies.
Drivers switch companies for any number of reasons including questionable increases in premium, high prices, lack of trust in their agent and even policy non-renewal. It doesn’t matter why you want to switch choosing a new company can be pretty painless.
Steps to finding affordable quotes for Buick LaCrosse insurance in Oakland
If you want to find the absolute lowest rates, then the best way to find affordable quotes for Buick LaCrosse insurance is to compare quotes annually from providers in Oakland. You can compare rates by completing these steps.
Step 1: Try to comprehend what is in your policy and the things you can change to keep rates in check. Many rating factors that drive up the price such as high-risk driving behaviors and a not-so-good credit score can be eliminated by making minor changes to your lifestyle.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
Step 3: Compare the price quotes to the price on your current policy to determine if you can save on LaCrosse insurance. If you find better rates and switch companies, make sure coverage does not lapse between policies.
Step 4: Notify your agent or company to cancel your current car insurance policy. Submit payment and a signed application to the new company. As soon as you have the new policy, place the new certificate of insurance in an easily accessible location in your vehicle.
A valuable tip to remember is to make sure you’re comparing identical limits and deductibles on each price quote and and to analyze as many companies as you can. Doing this ensures an apples-to-apples comparison and the best rate selection.
For more information, take a look at the resources below:
- Anti-Lock Brake FAQ (iihs.org)
- What Auto Insurance is Cheapest for Teenage Females in Oakland? (FAQ)
- How Much is Auto Insurance for 4×4 Vehicles in Oakland? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)
- Prom Night Tips for Teen Drivers (State Farm)