2001 Buick Regal Car Insurance Quotes – 6 Ways to Save

Car owners that are new to buying car insurance online are likely to find sourcing cheap insurance is harder than it needs to be.

It’s smart to compare rates occasionally because auto insurance rates change quite often. If you had the lowest rate on Regal coverage last year there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

Take advantage of these six discounts

Insurance can be prohibitively expensive, but you may be missing some discounts that you may not even be aware of. A few discounts will automatically apply at quote time, but some must be specifically requested prior to getting the savings.

  • Memberships – Joining qualifying clubs or civic groups could qualify you for a break on your bill.
  • Low Miles Discount – Low mileage vehicles may allow you to get discounted prices on garaged vehicles.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you will save at least 10 to 15 percent or more.
  • Telematics Data – Insureds that choose to allow data collection to scrutinize driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as they are good drivers.
  • Responsible Driver Discounts – Insureds without accidents can save up to 40% or more on their insurance quote on Regal coverage compared to rates paid by drivers with frequent claims.
  • Air Bag Discount – Factory options such as air bags can get savings of 20 to 30 percent.

Consumers should know that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, companies wouldn’t make money that way.

If you would like to see a list of insurance companies with discount rates, follow this link.

Special considerations

When buying coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions might point out if you might need professional guidance.

  • Does coverage extend to Mexico or Canada?
  • Is my camper covered by my car insurance policy?
  • How much liability do I need to cover my assets?
  • How much underlying liability do I need for an umbrella policy?
  • Which companies will insure high-risk drivers?
  • Who is covered when they drive my 2001 Buick Regal?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance 101

Having a good grasp of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverage – Collision insurance will pay to fix damage to your Regal caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, nursing services, rehabilitation expenses and hospital visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Buick Regal.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, a broken windshield, hitting a bird and hitting a deer. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims like repair bills for other people’s vehicles, pain and suffering, funeral expenses, court costs and bail bonds. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

More effort can pay off

Consumers leave their current company for a variety of reasons including policy non-renewal, delays in paying claims, denial of a claim and being labeled a high risk driver. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.

We just showed you some good ideas how you can get a better price on 2001 Buick Regal insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a small local company.

When getting insurance quotes online, you should never reduce needed coverages to save money. In too many instances, drivers have reduced liability coverage limits and found out when filing a claim that it was a big mistake. Your goal should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

Much more information about car insurance is available on the following sites: