How to Save on Greensboro Buick LaCrosse Insurance

It’s a fact that auto insurance companies want to keep your business as long as possible. Drivers who get price quotes annually are likely to switch companies because there is a great chance of finding a policy with better rates. Surprisingly, a recent survey revealed that consumers who regularly shopped around saved $860 a year compared to policyholders who never shopped around for better prices.

If saving the most money on auto insurance in Greensboro is the reason you’re here, then learning a little about the best way to quote and compare insurance can make it simple to find affordable coverage.

Insurance quote for Buick LaCrosse in GreensboroIf saving money is your primary concern, then the best way to get the cheapest auto insurance rates in Greensboro is to regularly compare price quotes from insurance carriers who can sell car insurance in North Carolina.

  1. Try to learn about individual coverages and the steps you can take to lower rates. Many risk factors that drive up the price like accidents, traffic violations, and a negative credit history can be controlled by making minor driving habit or lifestyle changes. This article provides more information to get lower rates and get additional discounts that may be available.
  2. Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple insurance companies.
  3. Compare the new rate quotes to your existing rates to see if a cheaper rate is available in Greensboro. If you can save money and decide to switch, verify that coverage does not lapse between policies.
  4. Give notification to your current company of your decision to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application to the new company. Once coverage is bound, keep the new certificate verifying coverage along with the vehicle’s registration papers.

The key thing to know about shopping around is to try to compare the same deductibles and limits on every quote request and to quote with every company you can. This enables an accurate price comparison and the most accurate and complete price analysis.

Keep in mind that obtaining a wide range of quotes helps improve the odds of finding the best rates.

The auto insurance companies shown below are ready to provide quotes in North Carolina. To buy cheap auto insurance in Greensboro, we suggest you visit two to three different companies to get the best price comparison.

You may qualify for discounts for Buick LaCrosse insurance in Greensboro

Insurance is easily one of your largest bills, but there’s a good chance there are discounts that could help you make your next renewal payment. Certain credits will be shown at quote time, but some must be asked about before being credited. If you aren’t receiving every discount available, you are throwing money away.Discount insurance

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

The information below illustrates the difference between Buick LaCrosse annual premium costs with and without discounts applied to the policy premium. The information is based on a female driver, no claims or driving violations, North Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, multi-policy, and safe-driver discounts applied.

Some of the larger companies that have these benefits include:

When quoting, ask every insurance company which discounts can lower your rates. All car insurance discounts might not apply in your area. To find insurance companies that offer discounts in North Carolina, follow this link.

Buick LaCrosse insurance rate analysis

The table below covers different coverage prices for Buick LaCrosse models. Learning as much as possible about how policy premiums are calculated can help guide drivers when making smart choices when buying a policy.


Buick LaCrosse Insurance Rates in Greensboro, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $136 $218 $198 $12 $60 $624 $52
Lacrosse CXL $136 $256 $198 $12 $60 $662 $55
Lacrosse CXL AWD $136 $256 $198 $12 $60 $662 $55
Lacrosse CXS $152 $256 $198 $12 $60 $678 $57
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can influence premiums considerably.

Deductible analysis

One common question asked by Greensboro drivers is how high or low should comp and collision deductibles be. The rates shown below illustrate the costs and benefits of buying low and high physical damage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.


Buick LaCrosse insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $242 $386 $212 $12 $64 $941 $78
Lacrosse CXL $242 $456 $212 $12 $64 $1,011 $84
Lacrosse CXL AWD $242 $456 $212 $12 $64 $1,011 $84
Lacrosse CXS $270 $456 $212 $12 $64 $1,039 $87
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Buick LaCrosse insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $176 $262 $212 $12 $64 $726 $61
Lacrosse CXL $176 $308 $212 $12 $64 $772 $64
Lacrosse CXL AWD $176 $308 $212 $12 $64 $772 $64
Lacrosse CXS $196 $308 $212 $12 $64 $792 $66
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in specific location information which can raise or lower rates noticeably.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $19 more each month or $228 a year averaged for all LaCrosse models than requesting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 21 months between claims, you would save more money going with the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $83
Average monthly premium for $500 deductibles (subtract): – $64
Monthly savings from raising deductible: $19
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

An important thing to remember is that increasing deductibles to lower your rates means you pay more out-of-pocket when you have to file a claim. That will necessitate a higher level of savings in order to pay the deductible for vehicle repair.

Auto insurance cost for men versus women

The chart below compares Buick LaCrosse car insurance rates for male and female drivers. The prices are based on no violations or accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are factored in.

Cost of full coverage

The chart below shows the difference between Buick LaCrosse insurance costs with full physical damage coverage and with liability coverage only. The premiums assume no claims or driving violations, $250 deductibles, drivers are single, and no other discounts are factored in.

Are you wasting money on full coverage?

There is no definitive formula to eliminate physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s say your Buick LaCrosse replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying your deductible. If you are paying in excess of $300 annually to have full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not buy liability only.

Buying auto insurance from Greensboro insurance agents

A small number of people would prefer to sit down and talk to an agent and doing that can be a smart decision A good thing about getting online price quotes is that you can find better rates and still have an agent to talk to. And providing support for small agencies is important especially in Greensboro.

Find insurance agent in GreensboroAfter completing this short form, your insurance data is sent to local insurance agents who will give competitive quotes to get your business. There is no need to leave your house as quotes are delivered immediately to you. Get lower rates AND a local agent. If you want to get a price quote for a specific company, you can always jump over to their website and give them your coverage information.

Choose the right auto insurance agent

If you prefer to buy auto insurance from a local Greensboro insurance agency, it’s important to understand the different types of agents and how they can write your policy. Greensboro agents can be categorized as either independent or exclusive depending on the company they work for.

Independent Agents

These type of agents can sell policies from many different companies and that enables them to quote your coverage with any number of different companies and get the cheapest rates. If your premiums go up, your policy is moved internally without you having to go to a different agency. If you are comparing auto insurance prices, you will want to check rates from at a minimum one independent agency so that you can do a thorough price comparison.

Listed below is a partial list of independent agencies in Greensboro that may be able to give you free auto insurance rate quotes.


1451 S Elm-Eugene St #2119Greensboro, NC 27406(336) 303-8992View Map


905 Battleground AveGreensboro, NC 27408(336) 379-8640View Map


2211 W Meadowview Rd Ste 110Greensboro, NC 27407(336) 855-1234View Map

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Exclusive Agents

Agents of this type can usually just insure with one company and examples are Allstate and State Farm. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. These agents are trained well on their products and sales techniques and that enables them to sell even at higher rates.

Listed below are exclusive agents in Greensboro that can give you price quote information.


3800 S Holden Rd #101Greensboro, NC 27406(336) 299-9100View Map


2109 New Garden Rd DGreensboro, NC 27410(336) 282-0461View Map


1420 Westover Terrace Ste DGreensboro, NC 27408(336) 854-7701View Map

More insurance agents

Picking an insurance agent is decision based upon more than just the quoted price. Ask your prospective agent these questions:

Six Things That Impact Your Insurance Costs

Lots of factors are part of the equation when you get a price on insurance. Some are pretty understandable such as traffic violations, although some other factors are less apparent such as whether you are married or your vehicle rating. It’s important that you understand the factors that are used to determine your policy premiums. If you have a feel for what influences your rates, this allows you to make good choices that will entitle you to lower rates.

Here’s why auto insurance is not optional

Despite the potentially high cost of Buick LaCrosse insurance, auto insurance is required by state law in North Carolina and it also provides benefits you may not be aware of.

The benefits of carrying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. On average, a vehicle owner in Greensboro is overpaying over $810 a year so smart consumers compare quotes at every policy renewal to make sure the price is not too high.

More effort can pay off

A few companies don’t offer online quoting and many times these small, regional companies prefer to sell through local independent agents. Lower-priced auto insurance in Greensboro can be sourced from both online companies as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates.

We’ve covered quite a bit of information on how to save on Buick LaCrosse insurance in Greensboro. It’s most important to understand that the more quotes you get, the higher your chance of finding inexpensive Greensboro car insurance quotes. Consumers could even find that the best rates are with a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give better rates than their larger competitors like Progressive or GEICO.

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