Cheap 1991 Buick Regal Insurance Quotes

Pretty sure you bought high-priced car insurance? Trust us when we tell you many drivers have buyer’s remorse.

Big-name insurance companies like State Farm and GEICO constantly bombard you with advertising and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

Consumers need to get comparison quotes before your policy renews because car insurance rates go up and down regularly. Just because you found the lowest rate for Regal coverage six months ago there may be better deals available now. You can find a lot of misleading information regarding car insurance online but you can learn some excellent ideas to slash your car insurance rates.

If you are paying for car insurance now, you should be able to cut costs considerably using this information. Finding the best rates is not rocket science. But consumers must understand how the larger insurance companies determine prices because it can help you find the best coverage.

Compare quotes for insurance coverage

When shopping for affordable insurance coverage quotes, there are a couple of ways to compare rate quotes from many different insurance companies. The fastest way to find competitive 1991 Buick Regal insurance rates is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

  1. The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating separate quotation requests to each individual insurance coverage company. One quote request gets insurance cost estimates from many national carriers.
  2. A different way to shop for insurance coverage online requires you to visit the website of each company to complete their respective quote request forms. For example, let’s say you want to compare rates from Liberty Mutual, Farmers and American Family. In order to get each rate, you would have to go to every website and punch in your information repeatedly, which can get rather old.

    For a list of links to insurance companies in your area, click here.

You can use whichever method you prefer to find lower rates, just try to use identical quote information on every quote. If you use different values for each quote then you won’t be able to determine the lowest rate for your Buick Regal. Just a small difference in coverages can mean a large discrepancy in price. And when comparing insurance coverage rates, know that obtaining a wide range of quotes gives you a better chance of getting the best rates. Some insurance companies are not set up to provide rate quotes online, so it’s important to also get price quotes from them, too.

Insurance in the media

State Farm, GEICO and Progressive consistently run television, radio, and online ads. They all seem to advertise the message about savings after switching your coverage to them. It sounds good, but how can they all charge lower premium rates? This is the trick they use.

All the different companies look for specific characteristics for the type of driver that will be a good risk. For instance, a profitable risk profile may be over the age of 50, has no driving citations, and chooses high deductibles. Anyone who fits those characteristics will get very good car insurance rates and will probably save a lot if they switch.

Potential insureds who do not meet this stringent profile will get a higher premium which results in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. This is how companies can make claims like that. Each company has different criteria, so you really need to get price quotes at each policy renewal. It’s just not possible to know the company that will be your best fit.

What affects Buick Regal insurance costs?

Many different elements are used when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but other factors are not as apparent like your vehicle usage or your financial responsibility.

The following are some of the most common factors companies use to determine prices.

  • Are you male or female? – The statistics show that females take fewer risks when driving. Now that doesn’t mean men are WORSE drivers than women. Both genders cause at-fault accidents in similar percentages, but males tend to have higher claims. Not only that, but men also receive more major tickets like driving under the influence (DUI). Males from age 16 to 21 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Car plus home equals more savings – The majority of insurers give better rates to policyholders that have more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, it’s always a smart idea to compare other insurance prices to ensure the best deal.
  • Your spouse saves you money – Having a wife or husband may save some money on your auto insurance bill. Having a spouse demonstrates that you tend to be more mature and responsible it has been statistically shown that married couples file fewer claims.
  • Careless drivers pay higher premiums – Being a careful driver impacts premiums far more than you think. Having a single driving citation may increase your cost by as much as twenty percent. Good drivers get better prices than people who have multiple driving citations. Drivers unfortunate enough to have careless tickets such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 form with their state’s licensing department in order to keep their license.
  • Lower stress equals lower prices – Did you know your occupation can influence how much you pay for auto insurance? Careers like fire fighters, business owners and financial analysts usually pay the highest average rates due to intense work situations and long work days. Other careers such as farmers, athletes and performers pay the least for Regal coverage.
  • Safer vehicles mean better prices – Cars with five star safety ratings get lower rates. Vehicles engineered for safety reduce the chance of injuries and fewer injuries means less money paid by your insurance company which can result in lower premiums.

Get lower rates with these discounts

Auto insurance companies don’t always advertise all their discounts very well, so the list below gives a summary of some of the more common in addition to some of the lesser obvious car insurance savings.

  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Discount for Low Mileage – Low mileage vehicles could earn slightly better car insurancerates than normal.
  • Student in College – College-age children who are attending college and leave their car at home may qualify for this discount.
  • Sign Early and Save – Some insurance companies give discounts for buying a policy early. Ten percent is about the average savings.
  • Data Collection Discounts – Insureds that choose to allow data collection to study when and where they use their vehicle by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if their driving habits are good.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings as much as 30%.
  • Safety Course Discount – Taking time to complete a defensive driving class can save you 5% or more if your company offers it.
  • Discounts for Multiple Vehicles – Buying insurance for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
  • Own a Home – Owning a house can help you save on car insurance because owning a home shows financial diligence.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

Auto insurance companies that may offer policyholders some of the above discounts include:

If you are trying to find cheaper insurance coverage quotes, ask each company or agent which discounts you may be entitled to. Savings may not apply in every state. If you would like to choose from a list of insurers with discount car insurance rates, click here to view.

Auto insurance can be complex

When it comes to buying coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can aid in determining whether or not you might need professional guidance.

  • What exactly is covered by my policy?
  • Which companies will insure high-risk drivers?
  • Am I covered if hit by an uninsured driver?
  • Is my 1991 Buick Regal covered for smoke damage?
  • Can I afford to buy a different vehicle if my 1991 Buick Regal is totaled?
  • Are my friends covered when driving my car?
  • What is the minimum liability in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Information about specific coverages

Knowing the specifics of your insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Coverage for liability

This provides protection from damage that occurs to people or other property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like attorney fees, medical services, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Regal resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, crashing into a building, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1991 Buick Regal.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, theft, fire damage and rock chips in glass. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, surgery, pain medications and EMT expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They 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 an option in every state but can be used in place of medical payments coverage

In Summary

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed full coverage to discover at claim time they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.

Cheaper car insurance can be found from both online companies and from local insurance agents, so you need to shop insurance coverage with both to have the best selection. A few companies may not provide rate quotes online and these regional insurance providers only sell through independent agents.

In this article, we covered a lot of information how to get a better price on 1991 Buick Regal insurance. The key concept to understand is the more times you quote, the better likelihood of getting cheaper insurance coverage. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies. They can often provide lower auto insurance rates in certain areas compared to the large companies like Allstate and Progressive.

Additional car insurance information is located on the following sites: