1990 Buick Regal Insurance Rates – 7 Ways to Save

Want cheaper insurance rates for your Buick Regal? Nobody I know rejoices having to buy insurance, especially knowing the price is too high.

Lots of auto insurance companies contend for your business, and because of this it can be hard to compare insurers to find the absolute best rates possible.

Get cheaper auto insurance rates with discounts

The price of auto insurance can be rather high, but you might find some hidden discounts that can drop the cost substantially. Certain credits will be shown when you complete an application, but a few must be requested specifically before being credited.

  • Good Student Discount – A discount for being a good student may save as much as 25% on a insurance coverage quote. The discount lasts up until you turn 25.
  • Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class if offered at their school.
  • New Car Discount – Buying a new car instead of a used car can be considerably cheaper since new model year vehicles are generally safer.
  • Active Military Service – Having a family member in the military could mean lower prices.
  • Accident Free – Insureds with no claims or accidents get the best auto insurance rates in comparison with policyholders that have many claims.
  • Policy Bundle Discount – If you combine your auto and homeowners policies with the same insurance company you may save nearly 15% which can help you find cheaper insurance coverage.
  • Multiple Cars – Insuring multiple cars or trucks on one policy could earn a price break for each car.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, it’s just not the way it works.

Insurance companies that may have these benefits possibly include:

If you need lower rates, check with every company what discounts are available to you. All car insurance discounts may not apply to policyholders in your area. If you would like to see a list of companies who offer cheap auto insurance quotes, follow this link.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out whether you might need professional guidance.

  • Do I need rental car coverage?
  • Does coverage extend to my business vehicle?
  • Can I still get insurance after a DUI?
  • Is a fancy paint job covered?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I crash into my own garage door?
  • Is pleasure use cheaper than using my 1990 Buick Regal to commute?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Don’t be fooled by advertising claims

Big name companies like State Farm, Allstate and GEICO regularly use ads on television and other media. All the ads try to convey promises about saving some big amount if you change your coverage. Is it even possible that every company can sell you cheaper insurance coverage? This is the trick they use.

Different companies have specific guidelines for the type of driver that is profitable for them. An example of a preferred risk might have to be between 25 and 40, has a clean driving record, and does not commute to work. Any customer who matches those parameters gets the lowest prices and as a result will probably save quite a bit of money when switching.

People who do not fit those standards will probably be forced to pay a more expensive rate and this can result in the customer buying from someone else. The ad wording is “drivers who switch” not “everyone who quotes” save money. That’s the way insurance companies can make those claims.

This really illustrates why you should get a wide range of price quotes. It is just not possible to predict the company that will give you lower auto insurance rates than your current company.

Insurance coverage basics

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Auto liability – This will cover damage or injury you incur to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like court costs, attorney fees and medical services. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1990 Buick Regal.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like prosthetic devices, hospital visits, chiropractic care, dental work and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage covers damage to your Regal resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, hail damage, hitting a bird and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Be a money saver!

Throughout this article, we presented quite a bit of information on how to get a better price on 1990 Buick Regal insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding cheaper insurance coverage. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. These companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate and Progressive.

Cheaper 1990 Buick Regal insurance can be sourced on the web and with local insurance agents, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and usually these small insurance companies sell through independent insurance agents.

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