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The Lacrosse is a luxury sedan in Buick’s lineup. It does well in its class, and is attractively priced at an MSRP of just over $30,000. However, an attractive sticker price isn’t everything. New car buyers will want to take a look at the associated costs of ownership. Luxury cars tend to be on the expensive side to insure; if you’d like to learn how to save on your monthly Buick Lacrosse insurance premium, continue reading.
The Lacrosse has been upgraded for 2012 with some sweeping changes. The base model, for example, comes standard equipped with: keyless entry, power accessories, cloth seating, 17 inch allow wheels, automatic climate control, power driver seat, OnStar, satellite radio, and a 7-speaker stereo with CD player.
If that isn’t enough to satisfy you, you can always go up the trim levels, or add a couple of packages. The convenience model, for example, adds driver’s seat lumbar adjustment, and remote ignition. The leather model, aptly named, nets you leather upholstery and heated front seats, fog lamps, heated mirrors, and full power front passenger’s seat.
The Premium trim nets you a more powerful 3.6 liter V6 engine and other luxury features such as: leather upholstery, keyless entry and ignition, and a steering wheel with wood trim. There are other trim levels, but perhaps the most inspiring is the top trim level, the Touring model. This adds a rearview camera, xenon headlights, blind spot warning system, music storage and GPS navigation.
Luxury cars can be a bit pricey to insure; however, there is one sure fire way to lower your rates. Shop around and do your research from the get go. By getting 3 quotes from separate insurers, you will in turn ensure that you get the best possible rates. Bear in mind that not every insurer will have the same offers, incentives, or discounts that other might have. So by getting multiple quotes, you can compare and contrast rates.
Secondly, a lot of risk factors go into the calculation of your premium. Take driving history and location for example. Driving history is indicative of responsibility, so if you have a clean history with little to no citations, you’re likely to see lower rates and vice versa. If you live in an area that sees high volumes of traffic congestion, you’re at a higher risk for an accident. People in urban areas will see higher rates.
Safety ratings can help lower your insurance rates. The 2012 Lacross has not been tested by the IIHS yet, though the 2011 version was listed as a Top Safety Pick. This means that the car aced its crash tests with the highest possible score of “good”. The 2012 Lacrosse has received 5/5 stars from the federal government overall as well as in its front and side crash tests. In addition, it still received a good score of 4/5 stars on rollover tests.
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