Buick LaCrosse Insurance Rate Quotes in Pittsburgh

How many times have you said it’s time to compare more affordable Buick LaCrosse insurance in Pittsburgh? Comparison shopping for cheaper Buick LaCrosse insurance in Pittsburgh is hard for people who are beginners to quoting and comparing prices online. There are so many options that it can easily be hard work to compare prices in Pennsylvania on Buick LaCrosse insurance.

Insurance rates Buick LaCrosse in PittsburghEveryone knows that car insurance companies don’t want you comparing rates. Consumers who shop around for better prices will probably switch companies because there is a good chance of finding a more affordable policy. Remarkably, a study showed that drivers who made a habit of comparing rates saved $3,450 over four years compared to drivers who never shopped for cheaper rates.

If finding the lowest price for insurance is your objective, knowing how to quote prices and compare insurance premiums can make it easier to find better rates.

It’s a good idea to take a look at other company’s rates yearly because insurance prices go up and down regularly. Even if you think you had the lowest price on Buick LaCrosse insurance in Pittsburgh last year a different company probably has better rate quotes today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the things you must know in order to reduce your cost while improving coverage.

When comparing car insurance rates, know that quoting more increases your odds of finding better pricing.

The companies shown below provide price comparisons in Pittsburgh, PA. To get cheap car insurance in Pittsburgh, we suggest you compare several of them in order to get a fair rate comparison.

Insurance data for a Buick LaCrosse

The table below highlights detailed analysis of coverage prices for Buick LaCrosse models. Having insight into how auto insurance prices are calculated can help you make smart choices when comparing insurance rates.


Buick LaCrosse Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $224 $390 $364 $22 $108 $1,108 $92
Lacrosse CXL $224 $460 $364 $22 $108 $1,178 $98
Lacrosse CXL AWD $224 $460 $364 $22 $108 $1,178 $98
Lacrosse CXS $250 $460 $364 $22 $108 $1,204 $100
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in garaging location in Pittsburgh which can alter rates considerably.

Physical damage deductibles

One of the most common insurance questions is how high should your deductibles be. The rates below sum up the differences in price between low and high deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.


Buick LaCrosse insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $320 $512 $280 $16 $84 $1,237 $103
Lacrosse CXL $320 $602 $280 $16 $84 $1,327 $111
Lacrosse CXL AWD $320 $602 $280 $16 $84 $1,327 $111
Lacrosse CXS $356 $602 $280 $16 $84 $1,363 $114
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Buick LaCrosse insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $234 $346 $280 $16 $84 $960 $80
Lacrosse CXL $234 $408 $280 $16 $84 $1,022 $85
Lacrosse CXL AWD $234 $408 $280 $16 $84 $1,022 $85
Lacrosse CXS $260 $408 $280 $16 $84 $1,048 $87
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in garaging location in Pittsburgh which can affect prices substantially.

Based on the above data, using a $100 deductible costs about $26 more each month or $312 every year than opting for the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 15 months between claim filings, you would save more money by selecting a higher deductible.

The information below demonstrates how deductible levels and can influence Buick LaCrosse insurance rates for each different age category. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Comparison of insurance rates by age and gender in Pittsburgh

The diagram below shows the comparison of Buick LaCrosse insurance costs for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no additional discounts are factored in.

Insurance Rate Influencing Factors

When buying auto insurance it’s important to understand some of the things that go into determining the rates you pay for auto insurance. If you know what controls the rates you pay, this helps enable you to make changes that can help you get big savings. Lots of factors are taken into consideration when premium rates are determined. Some factors are common sense like your driving record, although some other factors are not quite as obvious such as your marital status or your commute time.

Three reasons to insure your vehicle

Even though Pittsburgh LaCrosse insurance rates can get expensive, insurance is required for several reasons.

First, almost all states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to drive the car. In Pennsylvania 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 car with a loan, most lenders will make it mandatory that you have full coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Buick at a more expensive rate and force you to pay the higher price.

Third, insurance safeguards your Buick LaCrosse and your assets. It will also cover medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also pays for attorney fees and expenses if you cause an accident and are sued. If damage is caused by hail or an accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance definitely exceed the price paid, especially if you ever need it. On average, a vehicle owner in Pittsburgh is currently overpaying as much as $700 annually so shop around each time the policy renews to make sure the price is not too high.