Save on 1993 Buick Regal Insurance Quotes

Want lower auto insurance rates for your Buick Regal? Are you a victim of overpriced auto insurance? Don’t sweat it because there are many people just like you.

With vehicle owners having so many different company options, it is hard for the average consumer to locate a more affordable insurance company.

You should take the time to do price comparisons as often as possible because auto insurance prices tend to go up over time. Even if you got the lowest rates on Regal insurance a few years ago you can probably find a better premium rate now. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to use online quotes to reduce your cost while increasing coverage.

This article will familiarize you with the most effective way to quote insurance. If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. But consumers can benefit by having an understanding of how big insurance companies market on the web and apply this information to your search.

Discounts for affordable auto insurance rates

The cost of insuring your cars can be expensive, but there could be significant discounts to cut the cost considerably. A few discounts will automatically apply when you get a quote, but once in a while a discount must be specially asked for in order for you to get them.

  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive so you can save 10 percent or more.
  • Drive Less and Save – Driving less could earn cheaper premium rates.
  • Homeowners Discount – Owning a home can earn you a little savings since owning and maintaining a home requires personal responsibility.
  • Defensive Driver Discounts – Taking time to complete a course teaching defensive driving skills is a good idea and can lower rates and easily pay for the cost of the class.
  • Professional Organizations – Having an affiliation with certain professional organizations is a good way to get lower rates on your bill.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Renewal Discounts – A few insurance companies offer discounts for switching companies before your current expiration date. It’s a savings of about 10%.
  • Auto/Home Discount – If you can bundle your auto and home insurance and insure them with the same company you will save up to 20% and get you affordable insurance.

It’s important to understand that many deductions do not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will lower your policy cost.

To see companies that offer many of these discounts, click here.

Compare quotes for insurance coverage

Many insurance companies like Progressive, Allstate and GEICO provide insurance quotes from their websites. This process is fairly straightforward as all you need to do is type in the amount of coverage you want into the quote form. Once entered, their quoting system automatically retrieves credit information and your driving record and generates a price based on many factors. Online price quotes makes comparing rates easy, but having to visit many different websites and complete many quote forms is monotonous and tiresome. But it is imperative to have as many quotes as possible if you are searching for the lowest price.

The preferred way to find cheaper rates uses one form to get prices from a lot of companies. This type of form saves time, eliminates form submissions, and makes online quotes much more efficient. Once the form is submitted, your coverage is rated and you are able to buy your choice of the quote results.

If a lower price is quoted, you can click and sign and buy the policy. It takes 15 minutes at the most and may save quite a bit of money.

If you want to find out what other companies charge, click here to open in a new tab and submit the form. To compare your current rates, we recommend you copy the coverage information just like they are on your policy. Doing this guarantees you will have an apples-to-apples comparison based on similar coverages.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight if you might need professional guidance.

  • Is my babysitter covered when using my vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need higher collision deductibles?
  • When can my company non-renew my policy?
  • When would I need rental car insurance?
  • Are rental cars covered under my policy?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Coverage specifics

Having a good grasp of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, damage from a tornado or hurricane, hitting a deer, vandalism and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

This coverage protects you from damage that occurs to a person or their property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like structural damage, pain and suffering and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like rolling your car, damaging your car on a curb, sideswiping another vehicle, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like nursing services, prosthetic devices, doctor visits, dental work and surgery. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

A tidy conclusion

We just covered many tips how you can shop for 1993 Buick Regal insurance online. The key thing to remember is the more times you quote, the better likelihood of getting affordable insurance. You may be surprised to find that the biggest savings come from a small mutual company. They may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

Cheaper car insurance is available from both online companies as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies may not have rate quotes online and usually these smaller companies sell through independent agents.

When buying insurance coverage, you should never skimp on coverage in order to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

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