Compare Buick LaCrosse Insurance Quotes in Jacksonville

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Insurance rates Buick LaCrosse in JacksonvilleReally, the only way to get low-cost Buick LaCrosse insurance is to regularly compare quotes from insurers who provide car insurance in Jacksonville. Prices can be compared by completing these steps.

  • Step 1: Spend a few minutes and learn about how companies set rates and the changes you can make to prevent rate increases. Many things that increase rates such as tickets, at-fault accidents, and a not-so-good credit score can be amended by paying attention to minor details.
  • Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can give you price quotes from many different companies. View rates
  • Step 3: Compare the new rate quotes to your current policy to see if a cheaper rate is available in Jacksonville. If you find better rates, make sure there is no coverage gap between policies.
  • Step 4: Provide adequate notice to your current company of your intention to cancel your current car insurance policy and submit a down payment along with a signed application for the new coverage. As soon as coverage is bound, keep your new proof of insurance certificate in your glove compartment.

The most important part of shopping around is to try to use the same deductibles and limits on each price quote and and to get prices from as many companies as feasibly possible. This ensures a fair rate comparison and many rates to choose from.

It goes without saying that car insurance companies want to prevent you from shopping around. Consumers who get comparison quotes at least once a year are very likely to buy a different policy because there is a high probability of finding a lower-priced company. Surprisingly, a recent survey revealed that consumers who make a habit of shopping around saved $3,450 over four years compared to people who didn't regularly shop around.

If finding budget-friendly rates on Buick LaCrosse insurance is the reason you're here, then having an understanding of how to compare insurance rates can help simplify the process.

The following companies have been selected to offer free quotes in Jacksonville, FL. If multiple companies are listed, we suggest you visit several of them in order to find the most competitive rates.

Rates and other information

The coverage table shown below highlights a range of insurance premium costs for Buick LaCrosse models. Learning as much as possible about how policy premiums are established is important for you to make smart choices when buying a car insurance policy.

Buick LaCrosse Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $338 $438 $464 $28 $140 $1,408 $117
Lacrosse CXL $338 $516 $464 $28 $140 $1,486 $124
Lacrosse CXL AWD $338 $516 $464 $28 $140 $1,486 $124
Lacrosse CXS $376 $516 $464 $28 $140 $1,524 $127
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in specific location information which can modify coverage prices significantly.

Insurance deductibles

One common question asked by Jacksonville drivers is how high or low should comp and collision deductibles be. The comparisons below summarize how much more rates are when you select higher and lower policy deductibles. The first table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Buick LaCrosse insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $364 $544 $354 $20 $106 $1,413 $118
Lacrosse CXL $364 $640 $354 $20 $106 $1,509 $126
Lacrosse CXL AWD $364 $640 $354 $20 $106 $1,509 $126
Lacrosse CXS $406 $640 $354 $20 $106 $1,551 $129
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Buick LaCrosse insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $224 $342 $354 $20 $106 $1,046 $87
Lacrosse CXL $224 $402 $354 $20 $106 $1,106 $92
Lacrosse CXL AWD $224 $402 $354 $20 $106 $1,106 $92
Lacrosse CXS $250 $402 $354 $20 $106 $1,132 $94
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in Jacksonville location which can increase or decrease premiums greatly.

We can estimate from the data above that using a $250 deductible would cost the average driver about $34 more each month or $408 annually than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 22 months between claim filings, you would most likely save money by selecting a higher deductible.

Determine discounts on Jacksonville car insurance

Some companies don't always advertise every policy discount very well, so the list below details both well-publicized as well as the least known credits that you can use to lower your rates.Cheaper car insurance with discounts

  • Discounts for Seat Belt Usage - Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
  • Early Switch Discount - A few insurance companies offer discounts for renewing your policy before your current coverage expires. It's a savings of about 10%.
  • Defensive Driver - Participating in a class that teaches defensive driver techniques can save you 5% or more depending on where you live.
  • College Student Discount - Any of your kids who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Senior Citizens - Older drivers may qualify for reduced rates.
  • Payment Method - If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
  • Professional Organizations - Belonging to certain professional organizations could earn you a nice discount on your next car insurance statement.
  • Own a Home and Save - Simply owning a home may earn you a small savings because maintaining a house requires a higher level of personal finance.

As a disclaimer on discounts, most of the big mark downs will not be given to the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, companies wouldn't make money that way.

The chart below shows the difference between Buick LaCrosse premium costs with and without policy discounts. The data assumes a male driver, no violations or accidents, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, safe-driver, multi-car, and marriage discounts applied.

A few companies that may offer policyholders some of the discounts shown above may include but are not limited to:

Before purchasing a policy, check with each company or agent the best way to save money. Some of the earlier mentioned discounts may not apply to policyholders in Jacksonville.

Three main reasons to buy insurance

Even though it can be expensive, insurance is most likely required but also gives you several important benefits.

First, most states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your Buick LaCrosse with a loan, it's guaranteed your bank will make it a condition of the loan that you have insurance to guarantee their interest in the vehicle. If you default on your policy, the lender may insure your Buick for a lot more money and force you to pay a much higher amount than you were paying before.

Third, insurance protects both your Buick LaCrosse and your assets. It will also cover medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of buying enough insurance greatly outweigh the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver overpays as much as $865 each year so it's recommended you shop around once a year at a minimum to help ensure money is not being wasted.

When to talk to an insurance agency

Many people still prefer to get professional advice from a licensed agent and that is not a bad decision Good insurance agents can help you choose the best coverages and will help you if you have claims. The best thing about comparing rates online is that you can obtain cheap auto insurance rates and still have a local agent. And buying from neighborhood agents is definitely important in Jacksonville.

To find an agent, once you fill out this quick form, your coverage information is immediately sent to local insurance agents that can provide free Jacksonville car insurance quotes for your insurance coverage. There is no reason to contact any insurance agencies since price quotes are sent to you. If you wish to get a price quote from a particular provider, you would need to search and find their rate quote page and fill out their quote form.

Jacksonville auto insurance agents come in two flavors

When finding a local insurance agency, it's helpful to know the types of agencies and how they function. Agents in Jacksonville may be either independent agents or exclusive agents depending on their employer. Both can do a good job, but it's worth mentioning the subtle differences since it can impact which agent you choose.

Independent Agents (or Brokers)

Agents in the independent channel are not employed by one company and that enables them to quote your coverage with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and you can keep the same agent. If you need lower rates, we recommend you get quotes from multiple independent agents so that you can do a thorough price comparison.

Listed below is a list of independent insurance agents in Jacksonville that can give you pricing information.


1851 University Blvd S - Jacksonville, FL 32216 - (888) 812-2985 - View Map


10695 Beach Blvd #1 - Jacksonville, FL 32246 - (904) 329-7950 - View Map


11893 New Kings Rd - Jacksonville, FL 32219 - (904) 764-3336 - View Map

View more Jacksonville agents

Exclusive Auto Insurance Agents

These type of agents can only provide one company's prices such as Farmers Insurance, State Farm, or Allstate. These agents are unable to provide prices from multiple companies so you might not find the best rates. These agents are well schooled on the products they sell which can be an advantage.

Shown below are exclusive agencies in Jacksonville who can help you get comparison quotes.


12058 San Jose Blvd #302 - Jacksonville, FL 32223 - (904) 268-5522 - View Map


9310 Old Kings Rd S #1901 - Jacksonville, FL 32257 - (904) 737-0829 - View Map


3041 Monument Rd #1 - Jacksonville, FL 32225 - (904) 642-2400 - View Map

View more Jacksonville agents

Selecting an insurance agency should depend on more than just the bottom line cost. Before buying a policy in Jacksonville, get answers to these questions.

  • When do they do policy reviews?
  • Do they write coverage based solely on cost?
  • Do they offer accident forgiveness?
  • Do the companies they represent have a solid financial rating?
  • Are they full-time agents?
  • How much training do they have in personal risk management?
  • Are they primarily personal or commercial lines agents in Jacksonville?