1996 Buick Regal Insurance Rates

Trying to find better insurance coverage rates for your Buick Regal? Searching for better insurance prices for a Buick Regal can normally be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to buy insurance coverage so we’re going to tell you the proper way to get price quotes for a Buick and obtain the lowest price from both online companies and local agents.

If you have a policy now or are just looking to switch companies, you can use this information to find better prices and possibly find even better coverage. Locating the lowest cost insurance is quite easy. Vehicle owners just need to learn how to find the lowest price online.

Save a ton with discounts

Some companies don’t always advertise all available discounts in an easy-to-find place, so the following is a list of both well-publicized and also the lesser-known discounts that you can inquire about if you buy insurance online. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.

  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
  • Clubs and Organizations – Being in specific professional or occupational memberships or organizations may earn a discount on your next insurance statement.
  • Homeowners Pay Less – Owning a house can get you a discount because it shows financial diligence.
  • Active Service Discounts – Being deployed in the military can result in better premium rates.
  • No Claim Discounts – Drivers who don’t have accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.
  • Discount for Life Insurance – Larger companies have a discounted premium rate on car insurance if you buy a life policy as well.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
  • Bundle and Save – If you can bundle your auto and homeowners insurance with the same company you will save over 10 percent off each policy depending on the company.
  • Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class as it can save substantially.
  • Telematics Data Discounts – Policyholders that allow driving data submission to analyze driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if their driving habits are good.

It’s important to understand that many deductions do not apply to the entire cost. A few only apply to individual premiums such as medical payments or collision. Even though it appears you would end up receiving a 100% discount, you won’t be that lucky.

Popular insurance companies and their offered discounts are detailed below.

  • Farm Bureau offers premium reductions for 55 and retired, youthful driver, good student, multi-vehicle, safe driver, and driver training.
  • Liberty Mutual policyholders can earn discounts including new graduate, exclusive group savings, safety features, hybrid vehicle, new move discount, teen driver discount, and preferred payment discount.
  • State Farm may include discounts for defensive driving training, Steer Clear safe driver discount, safe vehicle, passive restraint, anti-theft, driver’s education, and good student.
  • Auto-Owners Insurance may have discounts that include multiple vehicles, good student, multi-policy, student away at school, mature driver, and group or association.
  • GEICO offers discounts for federal employee, military active duty, anti-lock brakes, emergency military deployment, and defensive driver.
  • SAFECO may offer discounts for teen safety rewards, anti-theft, homeowner, teen safe driver, safe driver, multi-car, and drive less.

Before buying, ask every company to give you their best rates. Savings might not be available to policyholders in your area. If you would like to view insurance companies with the best insurance discounts, follow this link.

Smart buyers know how to buy car insurance cheaper

Many factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, although some other factors are more obscure such as your credit history or how safe your car is.The best way to find cheaper car insurance is to take a look at the factors that help calculate your premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that can help you get lower premium levels.

  • Age of drivers impacts costs – Youthful drivers have been known to be more careless behind the wheel so they pay higher car insurance rates. Older people are viewed as being more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • How much liability insurance do you need? – Liability insurance kicks in when you are responsible for causing personal injury or damage in an accident. This coverage provides for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
  • Driving citations mean higher costs – Even one speeding ticket could increase your next policy renewal substantially. Good drivers pay less for auto insurance than their less careful counterparts. Drivers who have license-revoking citations like DUI or reckless driving might be required by their state to file a SR-22 with their state DMV in order to prevent their license from being revoked.
  • Too many claims drive up car insurance rates – If you are a frequent claim filer, you can look forward to increased rates or even have your policy non-renewed. Insurance companies give the best rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Annual mileage and car insurance rates – The more you drive in a year the higher your rate. Most companies apply a rate based on their usage. Cars and trucks that do not get driven very much can get a lower rate than those used for commuting. Double check that your car insurance policy is showing the correct usage, because improper ratings can cost you money. Incorrect rating for your Regal can result in significantly higher rates.

What is the best insurance coverage coverage?

When buying the best insurance coverage coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique.

For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Is my ex-spouse still covered by my policy?
  • What vehicles should carry emergency assistance coverage?
  • At what point should I drop full coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Can my babysitter drive my car?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Car insurance coverages 101

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability car insurance

Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as legal defense fees, bail bonds, attorney fees and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for ambulance fees, doctor visits, surgery, chiropractic care and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Auto collision coverage

This covers damage to your Regal resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, damage from flooding, falling objects, vandalism and fire damage. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Buick Regal.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Final considerations

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. In too many instances, an insured dropped collision coverage and learned later they didn’t purchase enough coverage. The goal is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

Cheap 1996 Buick Regal insurance can be sourced both online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not provide the ability to get quotes online and usually these smaller providers provide coverage only through local independent agents.

We just presented many ideas to compare 1996 Buick Regal insurance premium rates online. The key thing to remember is the more providers you compare, the higher your chance of finding cheap insurance. Consumers could even find that the biggest savings come from a smaller regional carrier.

Much more information about auto insurance is available at the links below