1994 Buick Regal Car Insurance Quotes – 8 Tricks for Cheaper Rates

Searching for lower insurance rates? Consumers have options when looking for affordable Buick Regal insurance. They can either waste time calling around getting price quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to find insurance online so you’re going to learn the proper way to compare rates for a new or used Buick and get the best price possible.

Smart consumers take time to compare rates before your next renewal because rates go up and down regularly. Despite the fact that you may have had the lowest rate for Regal insurance two years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance because I’m going to teach you the fastest and easiest way to lower your annual insurance bill.

Buying car insurance is quite easy. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Drivers just need to know the proper methods to get comparison rates on the web.

How to buy car insurance online

There are several ways to compare car insurance prices but one way is more efficient than others. You could spend the better part of a day talking to local insurance agents in your area, or you could use online quoting to maximize your effort.

Most of the best insurance companies belong to a marketplace where prospective buyers enter their policy data once, and each participating company then gives them pricing based on the submitted data. This eliminates the need for repetitive form submissions to each individual car insurance company. To get comparison pricing now click here (opens in new window).

One minor caviat to comparing rates this way is you cannot specify the insurers to get pricing from. If you prefer to choose specific providers to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

Which method you use is up to you, but make darn sure you compare exactly the same coverages on every quote. If you use differing limits it’s impossible to decipher which rate is best.

Take advantage of every auto insurance discount

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that could drop your premiums quite a bit. Some trigger automatically when you purchase, but some may not be applied and must be inquired about in order for you to get them. If they aren’t giving you every credit available, it’s possible you qualify for a lower rate.

  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get substantially lower rates.
  • Good Grades Discount – Getting good grades could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
  • Passive Restraints – Vehicles equipped with air bags can get savings of more than 20%.
  • Sign Online – Some insurance companies may give you up to $50 simply for signing on the web.
  • Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a auto insurance quote.
  • Active Military Service – Having a deployed family member may lower your prices slightly.
  • First Accident Forgiveness – Not really a discount, but some companies like Allstate and GEICO permit an accident without the usual rate increase as long as you don’t have any claims for a set time period.
  • Distant College Student Discount – Kids living away from home attending college and leave their car at home could get you a discount.

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, that’s just not realistic.

Some of the insurance companies that may have these discounts include:

When quoting, ask every company which discounts you qualify for. Some of the earlier mentioned discounts may not apply in your area. If you would like to choose from a list of insurers with discount rates, follow this link.

How to know if you need help

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions might help in determining if your insurance needs will benefit from professional help.

  • Do I have coverage if my license is suspended?
  • Does my 1994 Buick Regal qualify for pleasure use?
  • Is a fancy paint job covered?
  • Does my car insurance cover rental cars?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your car insurance policy

Having a good grasp of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive car insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, hitting a deer and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for bills for rehabilitation expenses, pain medications and chiropractic care. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Regal.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, colliding with another moving vehicle, hitting a mailbox, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like emergency aid, legal defense fees, medical expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Compare but don’t skimp

Consumers who switch companies do it for a number of reasons such as poor customer service, lack of trust in their agent, questionable increases in premium or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.

When getting auto insurance quotes online, make sure you don’t skimp on coverage in order to save money. There have been many cases where consumers will sacrifice liability coverage limits to discover at claim time that it was a big mistake. Your objective should be to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

Affordable 1994 Buick Regal insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide online rate quotes and most of the time these smaller providers only sell through local independent agents.

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