Affordable Insurance for a Buick LaCrosse in Honolulu

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.

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.

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.