1998 Buick Regal Car Insurance Cost

Finding low-cost insurance for a Buick Regal can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to shop for auto insurance and we’ll show you the absolute fastest way to compare rates on a Buick and obtain the best price possible.

Finding the best rates is not that difficult. If you have a current insurance policy or are looking for a new policy, you can use these tips to find the best rates and still get good coverage. Consumers just need to understand the proper way to compare rates over the internet.

How much does insurance cost?

Reducing your 1998 Buick Regal insurance rates is surprisingly easy. Drivers just need to spend a few minutes to compare free auto insurance quotes to find. Shoppers can get rates using one of these methods.

1. The fastest way to get quotes is a comparison rater form click to view form in new window. This quick form prevents you from having to do a different quote for each company you want a rate for. One form submission gets prices estimates from all major companies. It’s the fastest way to compare.
2. A harder way to find better pricing consists of visiting the website for every company you want to comare and repeat the quote process again and again. For instance, we’ll assume you want comparison quotes from Allstate, 21st Century and Farmers. To do that, you would have to visit each site to enter the same coverage data repeatedly, which can get rather old.

   For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just try to keep exactly the same information for every company. If you have different data it will be very difficult to make an equal comparison.

Use discounts to get cheaper car insurance rates

Some insurers do not advertise every disount available very well, so here is a list both the well known as well as some of the hidden ways to save on car insurance.

• Payment Method – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
• Online Discount – Some companies will give you a small discount shop auto insurance on the internet.
• Discount for Life Insurance – Larger insurance companies have a break if you buy a life insurance policy as well.
• Smart Student Discounts – Excelling in school may save you up to 25%. The discount lasts up to age 25.
• Driver Training Discounts – Passing a course that instructs on driving safety is a good idea and can lower rates and make you a better driver.

Just know that some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like you can get free auto insurance, car insurance companies aren’t that generous.

A few of the larger companies and the discounts they provide are outlined below.

• Progressive offers discounts including homeowner, continuous coverage, multi-vehicle, online signing, online quote discount, multi-policy, and good student.
• AAA may have discounts that include pay-in-full, good driver, multi-policy, education and occupation, and good student.
• Farmers Insurance may offer discounts for electronic funds transfer, mature driver, youthful driver, good student, and bundle discounts.
• GEICO includes discounts for good student, air bags, five-year accident-free, defensive driver, anti-lock brakes, and daytime running lights.
• Esurance offers premium reductions for anti-lock brakes, good student, defensive driver, anti-theft, and paid-in-full.
• SAFECO may include discounts for accident prevention training, teen safe driver, bundle discounts, drive less, and safe driver.
• State Farm has discounts for good student, anti-theft, defensive driving training, driver’s education, and student away at school.

When quoting, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts may not apply everywhere. For a list of insurance companies offering car insurance discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.

• Can I drive in Mexico and have coverage?
• Is extra glass coverage worth it?
• Should I put collision coverage on all my vehicles?
• Should I drop comprehensive coverage on older vehicles?
• Does my car insurance cover rental cars?
• Should I rate my 1998 Buick Regal as pleasure use or commute?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Insurance policy coverages for a Buick Regal

Knowing the specifics 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.

Collision – This pays for damage to your Regal resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Liability coverages – This coverage will cover injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as medical expenses, emergency aid and attorney fees. How much coverage you buy is your choice, but consider buying as much as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses such as hospital visits, prosthetic devices and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive protection – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, theft and hitting a bird. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.