Cheapest Rate Quotes for Buick LaCrosse Insurance in Riverside

Insurance for Buick LaCrosseWant to learn how to find lower-priced Buick LaCrosse insurance in Riverside? Trying to find cheaper insurance for a Buick LaCrosse in California can turn out to be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to find auto insurance online and you need to know the proper way to quote coverages for a Buick and get the lowest price from both online companies and Riverside agents.

It’s easy to assume that insurance companies don’t want you comparing rates. Consumers who shop around for cheaper price quotes are likely to switch companies because they have good chances of finding a lower-cost company. A recent auto insurance study discovered that consumers who made a habit of comparing rate quotes saved approximately $3,400 over four years compared to people who never shopped around for cheaper prices.

If finding budget-friendly Buick LaCrosse insurance in Riverside is the reason for your visit, then having some knowledge of how to get rate quotes and compare insurance premiums can save time and money.

The companies in the list below provide price comparisons in Riverside, CA. If multiple companies are listed, we suggest you visit two to three different companies to get the lowest price.

Auto insurance just makes sense

Despite the fact that auto insurance is not cheap in Riverside, insuring your vehicle serves an important purpose.

First, most states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage if you don’t want to risk a ticket. 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 bought your LaCrosse with a loan, most lenders will have a requirement that you carry insurance to guarantee loan repayment. If you default on your policy, the lender will be forced to insure your Buick at a much higher rate and force you to reimburse them for the expensive policy.

Third, auto insurance protects not only your vehicle but also your financial assets. It also can pay for medical transport and hospital expenses that are the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to have it repaired.

The benefits of insuring your car are definitely more than the cost, especially for larger claims. The average driver in California is overpaying more than $750 every year so compare quotes from several companies at least once a year to be sure current rates are still competitive.

Rates and detailed analysis

The coverage table displayed next covers estimates of coverage prices for Buick LaCrosse models. Having a better understanding of how policy rates are figured can assist in making informed decisions when comparing rates.


Buick LaCrosse Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $390 $632 $386 $22 $116 $1,546 $129
Lacrosse CXL $390 $744 $386 $22 $116 $1,658 $138
Lacrosse CXL AWD $390 $744 $386 $22 $116 $1,658 $138
Lacrosse CXS $436 $744 $386 $22 $116 $1,704 $142
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in Riverside location which can affect coverage rates substantially.

Raise deductibles and save

One common question asked by Riverside drivers is where to set your physical damage deductibles. The following insurance rates illustrate the differences in price between low and high physical damage coverage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.


Buick LaCrosse insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $430 $686 $376 $22 $112 $1,651 $138
Lacrosse CXL $430 $810 $376 $22 $112 $1,775 $148
Lacrosse CXL AWD $430 $810 $376 $22 $112 $1,775 $148
Lacrosse CXS $478 $810 $376 $22 $112 $1,823 $152
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Buick LaCrosse insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $314 $464 $376 $22 $112 $1,288 $107
Lacrosse CXL $314 $546 $376 $22 $112 $1,370 $114
Lacrosse CXL AWD $314 $546 $376 $22 $112 $1,370 $114
Lacrosse CXS $348 $546 $376 $22 $112 $1,404 $117
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in zip code location which can change premiums considerably.

Based on the above data, using a $100 deductible could cost the average driver approximately $34 more each month or $408 a year averaged for all LaCrosse models than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 12 months between claims, you would most likely save money by selecting a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $147
Average monthly premium for $500 deductibles (subtract): – $113
Monthly savings from raising deductible: $34
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

Insurance premiums for males and females

The information below compares Buick LaCrosse car insurance costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are applied to the premium.

Get cheaper Buick LaCrosse insurance rates in Riverside

Car insurance is not cheap, but there’s a good chance there are discounts that you may not even be aware of. Certain discounts will be triggered automatically when you quote, but a few need to be inquired about prior to getting the savings. If you do not double check each discount you deserve, you are just wasting money.Save money with discounts

Please keep in mind that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, it doesn’t quite work that way.

The illustration below shows the difference between Buick LaCrosse insurance premiums with and without discounts being applied to the rates. The data assumes a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, claim-free, and safe-driver discounts applied.

A list of companies and a partial list of their discounts are included below.

Check with each company or agent which discounts you qualify for. Some discounts listed above may not apply to policyholders in Riverside.

When should I discuss my situation with an agent?

When it comes to your policy for your vehicles, there really isn’t a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply.Drive safe and save
These are some specific questions might point out if your insurance needs would benefit from professional advice.

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.