Affordable Insurance for a Buick LaCrosse in Honolulu

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Discount Buick LaCrosse insuranceHaving to pay for expensive Buick LaCrosse insurance in Honolulu can bottom out your accounts and force you to tighten up your finances. Comparing rate quotes is a smart way to reduce premiums and put more money in your pocket.

It's well known that insurance companies want to keep you from shopping around. Insureds who shop around for cheaper rates will most likely buy a new policy because there is a high probability of finding coverage at a more affordable price. A study discovered that drivers who faithfully checked for cheaper rates saved approximately $72 a month compared to policyholders who don't regularly compare prices.

If finding the best rates on insurance in Honolulu is your ultimate objective, then learning about the best way to shop and compare car insurance can help make the process easier and more efficient.

How to buy lower priced Buick LaCrosse insurance in Honolulu

The best way we recommend to find better pricing on Buick LaCrosse insurance in Honolulu is to compare prices at least once a year from insurers in Hawaii. Rate comparisons can be done by following these guidelines.

Step 1: Get an understanding of coverages and the modifications you can make to drop your rates. Many rating factors that are responsible for high rates such as at-fault accidents, speeding tickets, and an imperfect credit history can be remedied by making minor driving habit or lifestyle changes.

Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes from multiple sources. Select a company

Step 3: Compare the new rates to the price on your current policy to see if cheaper LaCrosse coverage is available. If you find a better price and change companies, make sure coverage is continuous and does not lapse.

Step 4: Give proper notification to your current agent or company to cancel your current auto insurance policy and submit a down payment along with a completed application to your new insurance company. Once received, place your new certificate verifying proof of insurance with the vehicle registration.

One tip to remember is to use identical limits and deductibles on every quote and and to get quotes from as many companies as you can. This ensures a fair price comparison and a complete price analysis.

Popular companies such as GEICO, Farmers Insurance and State Farm constantly blast consumers with ad campaigns and consumers find it hard to see past the corporate glitz and find the best price available.

If you are already insured or just want cheaper rates, you can use these techniques to shop for the lowest rates while maximizing coverage. Buying affordable insurance in Honolulu can really be easy if you know what you're doing. Drivers just have to understand the fastest way to compare different rates online from multiple companies.

The providers in the list below have been selected to offer quotes in Hawaii. If multiple companies are listed, it's highly recommended you compare several of them to get a more complete price comparison.

Auto insurance statistics and figures

The rate information below highlights estimates of coverage prices for Buick LaCrosse models. Learning how prices are calculated is important for you to make decisions when shopping your coverage around.

Buick LaCrosse Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $286 $506 $304 $18 $90 $1,204 $100
Lacrosse CXL $286 $596 $304 $18 $90 $1,294 $108
Lacrosse CXL AWD $286 $596 $304 $18 $90 $1,294 $108
Lacrosse CXS $318 $596 $304 $18 $90 $1,326 $111
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in Honolulu location which can raise or lower price quotes significantly.

Higher deductibles lower rates

One of the more difficult decisions when buying auto insurance is which comprehensive and collision deductibles to buy. The comparison tables below summarize the rate difference of buying low and high deductibles. The first rate table uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Buick LaCrosse insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $258 $412 $226 $14 $68 $1,003 $84
Lacrosse CXL $258 $484 $226 $14 $68 $1,075 $90
Lacrosse CXL AWD $258 $484 $226 $14 $68 $1,075 $90
Lacrosse CXS $286 $484 $226 $14 $68 $1,103 $92
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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 $188 $278 $226 $14 $68 $774 $65
Lacrosse CXL $188 $328 $226 $14 $68 $824 $69
Lacrosse CXL AWD $188 $328 $226 $14 $68 $824 $69
Lacrosse CXS $210 $328 $226 $14 $68 $846 $71
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in garaging location in Honolulu which can revise coverage rates greatly.

We can derive from the above data that using a $100 deductible costs about $20 more each month or $240 every year than choosing the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go more than 20 months between claim filings, you would save money if you choose the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $89
Average monthly premium for $500 deductibles (subtract): - $69
Monthly savings from raising deductible: $20
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important note is that increasing deductibles to save money means you pay more out-of-pocket at claim time. You need enough money put aside in the event you have to pay the higher deductible.

The illustration below highlights how deductible selection and can change Buick LaCrosse premium costs for different age groups. The costs are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

Drive responsibly or pay higher rates

The example below illustrates how speeding tickets and fender-benders can increase Buick LaCrosse insurance costs for different age groups of insureds. The price estimates are based on a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Difference between liability only and full coverage rates

The diagram below shows the difference between Buick LaCrosse insurance premiums with and without physical damage coverage. The data is based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

When to stop buying full coverage

There is no set guideline to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.

For example, let's assume your Buick LaCrosse replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after paying your deductible. If premium cost is more than $700 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are a few situations where only buying liability is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.

Eight Things That Affect Your Insurance Prices

The best way to find cheaper auto insurance is to take a look at some of the things that help calculate your policy premiums. If you understand what positively or negatively impacts your premiums, this enables informed choices that may result in much lower annual insurance costs. Multiple criteria are part of the calculation when pricing auto insurance. Some factors are common sense like your driving record, but other criteria are more obscure like your vehicle usage or your commute time.

  • Discounts for married drivers - Having a spouse may cut your premiums compared to being single. Having a spouse generally demonstrates drivers are more financially stable and it's statistically proven that married drivers tend to have fewer serious accidents.
  • Performance influences costs - The make and model of the vehicle you are trying to find cheaper insurance for makes a substantial difference in how high your rates are. The cheapest rates will generally be found on economy passenger vehicles, but other factors influence the final cost greatly.

    The chart below uses these variables: married male driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Buick LaCrosse car insurance rates compared to other vehicles that have different risk factors.

  • Where do you drive? - The higher the miles on your Buick each year the more it will cost to insure it. Almost all companies calculate rates based upon how much you drive. Cars left parked in the garage receive lower rates than those that get driven frequently. It's always a good idea to double check that your declarations sheet reflects the right rating data, because improper ratings can cost you money. An improperly rated LaCrosse may be wasting your money.
  • Big city or small town - Being located in small towns and rural areas can save you money when it comes to auto insurance. Drivers in populated areas have much more traffic and a longer drive to work. Less people translates into fewer accidents and a lower car theft rate.
  • Adjust deductibles and save - Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Buick from damage. Examples of covered claims are colliding with a building, vandalism, and rolling your vehicle. The deductibles you choose state the amount of money you are willing to pay before your auto insurance pays a claim. The more the insured is willing to pay, the better rate you will receive.
  • How much liability do you need? - The liability coverage on your policy is the protection if you are found liable for causing personal injury or damage in an accident. Your policy's liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Better rates with anti-theft devices - Choosing a vehicle with advanced anti-theft systems can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
  • A coverage lapse is a bad thing - Driving your car without having proper coverage is illegal and auto insurance companies will penalize you for letting your insurance lapse. In addition to paying higher rates, getting caught without coverage may result in a revoked license or a big fine.
  • Buick LaCrosse claim data - Insurance companies use claims history as a tool for profitable underwriting. Vehicles that the data shows to have higher losses will have higher premium rates. The table below illustrates the compiled insurance loss statistics for Buick LaCrosse vehicles.

    For each coverage category, the statistical loss for all vehicles as a whole is represented as 100. Values that are below 100 suggest a better than average loss history, while numbers above 100 point to more frequent losses or a tendency for claims to be larger.

    Insurance Loss Ratings for Buick LaCrosse Vehicles
    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
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance is an important decision

Despite the high cost of buying insurance for a Buick LaCrosse in Honolulu, paying for auto insurance serves an important purpose.

  • Just about all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability if you want to drive legally. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a loan on your Buick, it's most likely the lender will stipulate that you carry insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may insure your Buick for a lot more money and require you to pay for the much more expensive policy.
  • Auto insurance preserves both your assets and your vehicle. It will also reimburse you for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, will also pay to defend you if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the repair costs.

The benefits of buying auto insurance more than cancel out the cost, especially for larger claims. According to a recent study, the average American driver overpays more than $820 a year so compare rate quotes at every policy renewal to help ensure money is not being wasted.