How to Compare Denver Buick LaCrosse Insurance

Has it been over a year since you last compared quotes for low-cost Buick LaCrosse insurance in Denver? I really doubt anyone likes buying car insurance, especially when they are paying too much.

Unimaginable but true, a large majority of drivers kept their coverage with the same car insurance company for more than four years, and 38% of drivers have never quoted rates to find affordable coverage. Most drivers in Colorado can save approximately $600 each year by just comparing quotes, but they just feel it’s too hard to find affordable rates by getting comparison quotes.

Companies like GEICO, Progressive and Allstate constantly bombard you with advertising and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

Consumers should take time to price shop coverage occasionally because insurance prices change quite often. Just because you had the best price on Buick LaCrosse insurance in Denver six months ago you will most likely find a better rate today. Ignore everything you know about car insurance because you’re going to get a crash course in one of the easiest ways to find lower rates on car insurance.

When looking for cheaper Denver car insurance quotes, there are a couple ways to compare quotes from different companies. The easiest way to find the cheapest Buick LaCrosse insurance rates is to get quotes online.

Comparison shopping rates online is easy and it takes the place of having to spend time driving to all the different Denver insurance agencies. Quoting Buick LaCrosse insurance online can eliminate the need for a local agent unless you have a complicated situation and need the trained guidance only provided by licensed Denver agents. If you prefer, some companies allow you to price shop online and still use a local agent.

When price shopping your coverage, comparing a wide range of rates helps you find a lower rate than you’re paying now. Some companies don’t provide price estimates online, so you need to compare rates on coverage from those companies, too.

The companies in the list below can provide free rate quotes in Colorado. If multiple companies are listed, it’s a good idea that you click on several of them to find the lowest auto insurance rates.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in specific Denver garaging location which can lower or raise premium rates greatly.

Deductible comparison

The hardest decision when buying coverage is what deductibles to buy. The tables below may help to illustrate the rate fluctuation when you buy lower versus higher physical damage coverage deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in specific Denver garaging location which can influence coverage rates considerably.

Based on the figures above, using a $250 deductible will cost you approximately $15 more each month or $180 each year than selecting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 17 months between claim filings, you would probably be better off if you decide on a higher deductible.

Rate comparison for different deductibles

The example below demonstrates how deductible levels and can raise or lower Buick LaCrosse annual premium costs for different categories of driver ages. Data assumes a married female driver, comp and collision included, and no discounts are factored in.

Why you need quality insurance for your LaCrosse

Even though it can be expensive, buying car insurance is a good idea for several reasons.

• Just about all states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability protection if you don’t want to risk a ticket. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If your Buick LaCrosse has a loan, it’s most likely the lender will require you to have comprehensive coverage to ensure loan repayment if the vehicle is totalled. If you default on your policy, the lender will be forced to insure your Buick for a lot more money and make you pay the higher premium.
• Car insurance preserves both your assets and your Buick. It will also reimburse you for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also covers legal expenses in the event you are sued. If you have damage to your Buick as the result of the weather or an accident, collision and comprehensive coverages will pay to have it repaired.

The benefits of having car insurance are definitely more than the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $869 every year so it’s very important to do a rate comparison at every renewal to ensure rates are inline.

Lower-cost Denver auto insurance rates with discounts

Car insurance companies do not advertise every policy discount very well, so the list below details both the well known and the harder-to-find discounts that you may qualify for.

• Drive Less and Save – Maintaining low annual mileage can qualify you for discounted prices on garaged vehicles.
• Bundle and Save – If you combine your homeowners and auto policies with one company they may give you a discount of nearly 15% which can help you find affordable Buick LaCrosse insurance rates in Denver.
• Active Service Discounts – Having an actively deployed family member could qualify you for better premium rates.
• Good Student – Maintaining excellent grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
• Pay Early and Save – By paying your entire bill at once instead of monthly or quarterly installments you may reduce your total bill.
• Early Renewal Discounts – Some companies give discounts for signing up before your current expiration date. You can save around 10% with this discount.
• Clubs and Organizations – Joining a qualifying organization can get you a small discount when shopping for auto insurance.
• Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount since new model year vehicles have better safety ratings.
• Paper-free Discount – A handful of companies will discount your bill up to fifty bucks for buying your policy over the internet.
• Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.

As is typical with insurance, most discounts do not apply to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though you would think it’s possible to get free car insurance, that’s just not realistic.

For a list of auto insurance companies that offer multiple discounts in Colorado, click here to view.

Local Denver auto insurance agents

A lot of people just prefer to have an agent’s advice and often times that is recommended The biggest benefit of comparing rate quotes online is you can get lower rates and still buy from a local agent.

Upon completion of this quick form, your coverage information is submitted to insurance agents in Denver who will gladly provide quotes for your business. There is no need to leave your house as quotes are delivered straight to your inbox. You can find better rates without having to waste a lot of time. If for some reason you want to get a comparison quote from a specific insurance company, don’t hesitate to search and find their rate quote page and fill out their quote form.

Selecting a provider should depend on more than just the quoted price. Below are some questions you should ask.

• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Do they have any clout with companies to ensure a fair claim settlement?
• How long have they been in business?
• Will the quote change when the policy is issued?
• Is the agency covered by Errors and Omissions coverage?
• What insurance companies do they work with in Denver?
• Does the company allow you to choose your own collision repair facility?

Pick the best car insurance agent in Denver for you

When researching a reputable agency, there are two types of agencies and how they function. Auto insurance policy providers are classified as either exclusive agents or independent agents.

Exclusive Auto Insurance Agents

Agents that choose to be exclusive are contracted to one company and some examples include State Farm, Allstate and AAA. These agents are not able to provide other company’s prices so they really need to provide good service. These agents are usually well trained on their company’s products and that allows them to sell at a higher price point.

The following are exclusive agencies in Denver who may provide you with price quote information.

View more Denver agents

Independent Auto Insurance Agencies

Agents of this type often have affiliation with several companies so they can write business with a variety of different insurance companies depending on which coverage is best. If they quote lower rates, the agent simply finds a different carrier and you don’t have to switch agencies.

When comparing rate quotes, it’s recommended you compare quotes from at least one independent agent to get the best comparison.

The following is a list of independent agencies in Denver willing to provide price quote information.

View more Denver agents

Persistent drivers can save

A few companies may not have rate quotes online and these regional carriers work with independent agencies. Budget-friendly auto insurance in Denver can be purchased both online in addition to local insurance agencies, so compare prices from both to have the best chance of lowering rates.

We’ve covered some good ideas how you can compare Buick LaCrosse insurance premium rates in Denver. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the most savings is with the least-expected company. These companies may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate and Progressive.

Additional information is located at these links:

• Safe Vehicles for Teens (iihs.org)
• Who Has Cheap Auto Insurance for College Graduates in Denver? (FAQ)
• Who Has the Cheapest Denver Car Insurance Rates for Drivers with a DUI? (FAQ)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
• Tools for Teen Driving Safety (State Farm)
• Reducing Your Risks in a Car Crash Video (iihs.org)