The Buick LaCrosse is a family sedan with a sense of style that appeals to businessmen as well as soccer moms. Its 3.8-liter v6 engine provides ample power while the Super 5.3-liter v8 is a true workhorse that will please even the most demanding drivers. Here’s what you need to know about the insurance needs of a Buick LaCrosse if you’ve been considering purchasing one.
The LaCrosse consistently pulls high marks for safety. In 2010 it received high marks in government crash test ratings. The LaCrosse received 5 out of 5 stars in ratings for frontal crash tests for both passenger and driver. It also received 5 stars for rear passenger side impact crash tests. This is important because it can affect your insurance premium. The safer the car is the less money insurance companies charge to insure it. They like knowing that the drivers and passengers will be better protected in an accident, and the premiums reflect that.
Insurance companies offer discounts for safety features. Quite often, the more features your car has the lower the premium can be. You can also ask for discounts to be applied to the overall bill based on things like air bags and anti-lock brakes. When working with your insurance company on rates, be sure to mention that the LaCrosse has standard dashboard airbags as well as front-seat side airbags. This car also has full-length side curtain airbags and rear-seat side airbags to help protect the rear passengers are available as an option. Stability and traction control are features your insurance company may like to hear about and they might offer a discount for the anti-lock brakes with brake assist.
This LaCrosse is a produced domestically in the Fairfax Assembly facility in Kansas City. More importantly, the parts required for repairs are also produced domestically. This means that repair costs for the LaCrosse are average and comparable to other domestic sedans. This is also a factor that insurance companies take into account when determining how much they will charge for premiums.
The LaCrosse is a popular car, making it more affordable to insure. When cars are rare, the parts needed to replace them are also rare. It’s a matter of supply and demand. The more people there are who own the cars, the more common and affordable replacement parts will be. While it may be tempting to choose a unique car that is rarely seen on the roads, those unique cars can be extraordinarily expensive to insure. Choosing a car like the LaCrosse that is popular and frequently spied on the roads will help you find lower insurance rates.
You can expect the insurance prices on your LaCrosse to be in line with quotes for other domestic sedans. This is in part because replacement parts are not extraordinarily expensive to acquire the way they are with some import cars. It is also partially due to the safety features the car offers. There are many factors that are taken into account with any insurance premium. Driving record and age are two big factors that can drastically affect the final price. However, drivers can expect to pay premiums as high as $2,000 annually if they are in Louisiana. In states like Vermont and Maine, however, the premiums could be less than $1,000.
You can enjoy discounts for your LaCrosse by pointing out the safety features included and asking the company to take into account your clean driving record. Carry a higher deductible to get lower premiums and find out if your company offers any discounts based on your employer. One other idea is to simply ask your agent if there’s anything you can do, such as taking safe driver classes, to get the rates reduced.