Unbelievable but true, almost 70% of insureds have remained with the same insurance company for four years or more, and almost half have never shopped around. The average driver in New Jersey could save nearly $716 each year just by getting comparison quotes, but most just don’t grasp the rate savings if they switched to a cheaper policy.
If your goal is the lowest price, then the best way to save on Buick LaCrosse insurance in Newark is to compare prices at least once a year from insurers in New Jersey. This can be done by completing these steps.
- Try to understand what coverages are included in your policy and the measures you can take to keep rates down. Many risk factors that drive up the price like accidents, careless driving, and a low credit rating can be remedied by making lifestyle changes or driving safer.
- Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple companies.
- Compare the new rate quotes to your existing rates and see if you can save money. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit the application along with any required down payment to the new company. Immediately upon receiving it, keep the new proof of insurance certificate along with the vehicle’s registration papers.
An important part of this process is that you’ll want to compare the same level of coverage on each quote request and and to get quotes from as many different insurance providers as possible. Doing this helps ensure an accurate price comparison and maximum price selection.
Shopping around for affordable protection in Newark is not as confusing as people think. If you have a current auto insurance policy or are shopping for new coverage, use these cost-cutting techniques to cut your premiums while maximizing coverage. Drivers only need to know the proper methods to compare prices using one simple form.
Low cost Newark Buick LaCrosse insurance quotes online
Lowering your insurance rates is actually quite simple. The only requirement is to take a couple of minutes to compare rates online from several insurance companies.
Comparison shopping price quotes online is easy and it replaces the need to call or drive to each insurance agency near you. Comparing Buick LaCrosse insurance rate quotes online reduces the need to sit down with an agent unless you require the trained advice of a local agent. Although you can compare the best prices online and have a local agent actually service the policy.
The companies shown below are our best choices to provide price quotes in Newark, NJ. In order to find cheaper auto insurance in NJ, we suggest you visit as many as you can in order to find the most competitive rates.
Check for these discounts
Some insurance providers don’t necessarily list every discount they offer very well, so the following list contains both the well known as well as the least known credits that you can use to lower your rates.
- Accident-Free Discounts – Drivers who don’t have accidents pay much less compared to drivers with a long claim history.
- Membership in Organizations – Being a member of a professional or civic organization is a simple method to lower premiums on your bill.
- Newark Homeowners Discount – Being a homeowner can save a few bucks since home ownership is proof that your finances are in order.
- Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving can save up to 15% off the PIP or medical payment premium.
- Distant College Student Discount – Any of your kids who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and can earn a small discount on your policy.
- Good Drivers – Safe drivers can save up to 40% or more on their Newark auto insurance quote as compared to drivers with claims.
As is typical with insurance, some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, insurance companies aren’t that generous. But any discount will definitely reduce your insurance premiums.
The illustration below shows the difference between Buick LaCrosse yearly insurance costs with and without discounts applied. The data assumes a female driver, a clean driving record, no at-fault accidents, New Jersey state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, claim-free, homeowner, and multi-policy discounts applied.
To see a list of providers that offer many of these discounts in Newark, click here to view.
Car insurance statistics and figures
The premium table shown below covers detailed analysis of rate quotes for Buick LaCrosse models. Being more informed about how auto insurance premiums are calculated can be of help when making smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Lacrosse CXL AWD||$452||$862||$416||$24||$124||$1,878||$157|
|Get Your Own Custom Quote Go|
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific garaging location which can change rates substantially.
Annual premiums comparing men and women
The chart below shows the difference between Buick LaCrosse yearly insurance costs for male and female drivers. The data is based on no violations or claims, full physical damage coverage, $100 deductibles, single marital status, and no additional discounts are factored in.
Shop online but buy locally
Many people would rather sit down with an agent and that is OK! Good insurance agents can help determine the best coverages and will help you if you have claims. A good thing about price shopping on the web is you can get cheap auto insurance rates and still have an agent to talk to. And supporting neighborhood agents is important especially in Newark.
Once you complete this quick form, your information is sent to agents in your area who will give competitive quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your computer because prices are sent to you directly. In the event you want to compare rates from one company in particular, you can always find their quoting web page and give them your coverage information.
If you are searching for a good insurance agency, it’s important to understand the types of agencies and how they are distinctly different. Insurance agencies in Newark are considered either independent agents or exclusive agents. Both provide auto insurance policies, but it’s worth learning the difference in how they write coverage because it can influence which agent you choose.
Independent Auto Insurance Agents
These agents are not restricted to one company and that enables them to quote your coverage with an assortment of companies and help determine which has the cheapest rates. If they find a lower price, an independent agent can move your coverage and you stay with the same agent.
If you need lower rates, you definitely need to compare quotes from at least one independent agent to have the best price comparison.
Shown below are Newark independent insurance agents that may be able to give free auto insurance quotes.
AMC Insurance Inc
Newark, NJ 07106 – Newark, NJ 07106 – (973) 373-3300 – View Map
Exclusive agencies can only place business with one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot place coverage with different providers so always compare other rates. These agents are highly trained in insurance sales which aids in selling service over price.
Shown below are Newark exclusive insurance agents that are able to give rate quotes.
Finding the right car insurance agent should depend on more than just a cheap price quote. Ask your prospective agent these questions:
- Is working in the agency their full-time job?
- Will the agent help in case of a claim?
- Do they carry Errors and Omissions coverage?
- Are there any discounts for paying up front?
- Where would your vehicle be repaired?
Upon receiving acceptable answers to your questions as well as cheap LaCrosse insurance quotes, you have narrowed it down to an insurance agent that meets the requirements to insure your vehicles. Just remember consumers can cancel a policy at any point so never assume that you’re stuck with any specific company indefinitely.
There’s no such thing as the perfect car insurance policy
When quoting and choosing proper insurance coverage, there really is no best way to insure your cars. Every situation is different so this has to be addressed.
For instance, these questions might point out whether you would benefit from professional advice.
- Do I need medical payments coverage since I have good health insurance?
- Do I need PIP coverage since I have good health insurance?
- Does medical payments coverage apply to all occupants?
- Can my babysitter drive my car?
- What policy terms are available?
- Do I need more liability coverage?
- What is GAP insurance?
- Does coverage extend to my business vehicle?
- Can I use my car for my catering business?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
Lower Insurance Rates with These Tips
Consumers need to have an understanding of a few of the rating criteria that come into play when calculating the level of your policy premiums. If you have a feel for what determines premiums, this allows you to make good choices that may result in lower premium levels.
The list below includes a few of the things used by insurance companies to determine prices.
Keep rates low by being claim-free – Auto insurance companies in New Jersey generally give the best rates to drivers who file claims infrequently. If you file a lot of claims you can definitely plan on higher rates. Auto insurance is intended to be relied upon for more catastrophic claims.
If you don’t need it don’t buy it – Insurance companies have many add-on coverages that can waste your money when buying insurance. Coverages for personal injury protection, better glass coverage, and extra equipment coverage are probably not needed. They may sound like good ideas when deciding what coverages you need, but your needs may have changed so eliminate the coverages to reduce your premium.
Costs are impacted by vehicle performance – The type of car you drive makes a substantial difference in the rate you pay. The best insurance prices will generally be found on low performance passenger models, but the final cost of insurance is determined by many other factors.
The chart below assumes a single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Buick LaCrosse car insurance rates compared to other makes and models that have different performances.
Certain vocations pay higher rates – Did you know your job can affect your rates? Jobs like doctors, executives, and stock brokers are shown to have higher premiums than the average policyholder due to high stress and incredibly demanding work hours. Other occupations like professors, students and the unemployed generally pay rates lower than average.
Buick LaCrosse statistical loss data – Insurers analyze the history of losses to help calculate premium rates. Models that tend to have higher frequency or amount of claims will be charged more to insure. The data below shows the historical loss data for Buick LaCrosse vehicles.
For each insurance policy coverage type, the loss probability for all vehicles averaged together is equal to 100. Values that are 100 or less indicate a favorable loss history, while percentage numbers above 100 point to more claims or an increased chance of larger losses than average.
|Specific Buick 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|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance protects more than just your car
Despite the high insurance cost for a Buick LaCrosse in Newark, insurance may be required for several reasons.
First, almost all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability insurance in order to drive the car legally. In New Jersey 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 have a lien on your LaCrosse, almost all lenders will force you to have insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Buick at a much higher premium rate and force you to pay a much higher amount than you were paying before.
Third, insurance protects both your Buick and your personal assets. It will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of having insurance outweigh the cost, particularly if you ever have a claim. But the average American driver overpays as much as $850 per year so it’s important to compare rates at least once a year to help ensure money is not being wasted.
One last thing about your coverage
Some companies may not offer rate quotes online and these small, regional companies only sell coverage through independent agents. Cheaper Buick LaCrosse insurance in Newark is possible from both online companies and from local agencies, so you should compare both so you have a total pricing picture.
When shopping online for auto insurance, do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest cost while not skimping on critical coverages.
Much more information about auto insurance in New Jersey is available below:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What Car Insurance is Cheapest for a Nissan Sentra in Newark? (FAQ)
- Who Has Cheap Auto Insurance Rates for Veterans in Newark? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Nissan Rogue in Newark? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)
- Safety Belts FAQ (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)