Best Insurance for a Buick LaCrosse in Virginia Beach

A recent NerdWallet.com study revealed that a large majority of consumers have remained with the same car insurance company for well over three years, and nearly half have never compared rate quotes at all. Virginia Beach drivers could save about $550 a year just by shopping around, but they don’t believe how much savings they would realize if they moved their coverage to a different company.

Insurance for Buick LaCrosseIt takes a few minutes, but the best way to get affordable Buick LaCrosse insurance is to regularly compare price quotes from companies who provide auto insurance in Virginia Beach.

One thing to remember is that you use the same level of coverage on every quote request and and to look at as many carriers as you can. This helps ensure an apples-to-apples comparison and a complete rate analysis.

When price shopping your coverage, getting more free quotes increases the chance that you will find a better price. Not every company does Virginia Beach LaCrosse insurance quotes online, so you need to compare price quotes from them as well.

The companies shown below provide price comparisons in Virginia. If multiple companies are listed, we suggest you get rate quotes from several of them in order to get a fair rate comparison.

Insurance rate breakdown

The premium table shown below highlights estimates of insurance rates for Buick LaCrosse models. Having a better idea how auto insurance prices are established can benefit drivers when making informed decisions when shopping around for a new policy.


Buick LaCrosse Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $176 $284 $210 $12 $62 $744 $62
Lacrosse CXL $176 $336 $210 $12 $62 $796 $66
Lacrosse CXL AWD $176 $336 $210 $12 $62 $796 $66
Lacrosse CXS $196 $336 $210 $12 $62 $816 $68
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in specific location information which can increase or decrease prices greatly.

Deductible analysis

When comparing auto insurance rates, the most common question is how high should the physical damage coverage deductibles be. The following insurance rates can help you visualize how much more you’ll pay when you choose different insurance deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.


Buick LaCrosse insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $224 $336 $218 $12 $66 $881 $73
Lacrosse CXL $224 $394 $218 $12 $66 $939 $78
Lacrosse CXL AWD $224 $394 $218 $12 $66 $939 $78
Lacrosse CXS $250 $394 $218 $12 $66 $965 $80
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Buick LaCrosse insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lacrosse CX $182 $270 $218 $12 $66 $748 $62
Lacrosse CXL $182 $318 $218 $12 $66 $796 $66
Lacrosse CXL AWD $182 $318 $218 $12 $66 $796 $66
Lacrosse CXS $204 $318 $218 $12 $66 $818 $68
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price information does not factor in specific location information which can alter coverage prices considerably.

Based on the above data, using a $250 deductible will cost you about $11 more each month or $132 each year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 23 months between claim filings, you would come out ahead if you choose a higher deductible.

The example below shows how different deductible levels and can affect Buick LaCrosse insurance rates for different age groups. The rate quotes are based on a married female driver, comp and collision included, and no policy discounts are applied.

Accidents and violations increase rates

The chart below demonstrates how speeding tickets and accidents can increase Buick LaCrosse yearly insurance costs for different ages of insureds. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

Affordable Virginia Beach insurance rates with discounts

Companies that sell car insurance don’t always publicize all possible discounts very clearly, so we took the time to find both well-publicized as well as the least known credits that may apply to you. If you are not receiving all the discounts possible, you could be getting lower rates.Discount insurance

You can save money using discounts, but most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, that’s just not realistic.

The diagram below compares Buick LaCrosse insurance costs with and without some available policy discounts. Data assumes a female driver, no accidents, no driving violations, Virginia state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, safe-driver, claim-free, and marriage discounts applied.

Companies and the discounts they provide can be found below.

Before you buy a policy, ask each company how you can save money. A few discounts may not apply everywhere. For a list of insurers that can offer you the previously mentioned discounts in Virginia, click here to view.

Three good reasons to insure your vehicle

Despite the potentially high cost of Buick LaCrosse insurance, maintaining insurance may be required and benefits you in several ways.

First, almost all states have minimum liability requirements which means you are required to carry a specific level of liability insurance coverage in order to license the vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

Second, if you took out a loan on your vehicle, most banks will make it a condition of the loan that you have full coverage to guarantee their interest in the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Buick at a significantly higher premium and require you to fork over the higher price.

Third, car insurance protects both your assets and your Buick. It will also provide coverage for medical bills for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of carrying adequate insurance definitely exceed the cost, particularly when you have a large claim. But the average driver in Virginia is overpaying more than $855 a year so it’s very important to do a rate comparison once a year at a minimum to ensure rates are inline.

Which is the best auto insurance?

When it comes to proper insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your auto insurance should be unique as well.Auto insurance savings
For instance, these questions might point out whether your personal situation could use an agent’s help.

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance agents can give valuable advice

Many drivers still prefer to get advice from a local agent and that is a smart decision A nice benefit of price shopping on the web is you can get lower rates and also buy local.

Find insurance agent in Virginia BeachAfter completing this short form, your insurance coverage information is emailed to participating agents in Virginia Beach who will gladly provide quotes to get your business. It’s much easier because you don’t need to search for an agent due to the fact that quote results will go to your email. You can most likely find cheaper rates AND a local agent. If you need to quote rates from a specific insurance company, feel free to navigate to their website to submit a rate quote request.

Deciding on an insurance company shouldn’t rely on just a cheap price. Get answers to these questions too.

If you want to use a reputable agency, it can be helpful to understand the types of insurance agents and how they differ in how they quote coverages. Agents are categorized either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Exclusive agents can only quote rates from one company such as State Farm, Allstate, and Farm Bureau. They generally cannot provide other company’s prices so they really need to provide good service. Exclusive agents are usually well trained on their company’s products and that allows them to sell at a higher price point.

Below is a list of exclusive agencies in Virginia Beach that can give you comparison quotes.


1112 Laskin RdVirginia Beach, VA 23451(757) 428-8002View Map


Shopping Ctr Ste 103, 979 Chimney Hill PkwyVirginia Beach, VA 23452(757) 463-2400View Map


700 Independence BlvdVirginia Beach, VA 23455(757) 499-0550View Map

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Independent Insurance Agents

Agents that choose to be independent are not employed by any specific company and that gives them the ability to insure through many different car insurance companies and help determine which has the cheapest rates. To transfer your coverage to a different company, an independent agent can move your coverage and you can keep the same agent. If you need cheaper car insurance rates, we recommend you check rates from several independent insurance agents to ensure the widest selection of prices.

The following is a list of independent insurance agents in Virginia Beach that are able to give price quotes.


4664 South BlvdVirginia Beach, VA 23452(757) 416-5100View Map


4176 S Plaza Trail Ste 101Virginia Beach, VA 23452(757) 340-1200View Map


5541 Parliament Dr #209Virginia Beach, VA 23462(757) 200-3183View Map

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After you get reasonable responses and an acceptable price quote, it’s possible that you found an auto insurance agent that will provide car insurance coverage. But keep in mind once you purchase a policy you can cancel a policy at any time so never feel you are locked into any particular company with no way out.