How Much Does 2002 Buick Regal Insurance Cost?

Want the cheapest auto insurance rates for your Buick Regal? Tired of not being able to scrape enough together to pay auto insurance each month? You are no different than many other drivers. Lots of insurers contend to insure your vehicles, so it’s not easy to compare every insurer and get the best coverage at the best price available.

If you have a policy now or need a new policy, you can use these tips to find better prices while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Vehicle owners just need to know the most effective way to shop for insurance coverage on the web.

These discounts can lower your car insurance rates

Car insurance is expensive, but there could be available discounts to help bring down the price. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be requested specifically before they will apply. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • Life Insurance – Some car insurance companies give a lower rate if you buy a life policy as well.
  • Passive Restraint Discount – Vehicles equipped with air bags can get savings of more than 20%.
  • Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
  • Discount for Good Grades – This discount can save 20 to 25%. This discount can apply well after school through age 25.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
  • Multiple Policy Discount – If you can bundle your home and auto insurance and place coverage with the same company you may save over 10 percent off each policy depending on the company.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
  • Paper-free Discount – Many companies will provide an incentive for buying a policy and signing up on the web.
  • Military Rewards – Being on active duty in the military could be rewarded with lower prices.
  • Good Drivers – Insureds without accidents can pay as much as 50% less for Regal coverage than less cautious drivers.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, you’re out of luck. Any amount of discount should help reduce the amount you have to pay.

Popular car insurance companies and the discounts they provide can be read below.

  • Farm Bureau offers premium reductions for driver training, 55 and retired, safe driver, good student, multi-vehicle, youthful driver, and renewal discount.
  • MetLife has discounts for claim-free, accident-free, defensive driver, good student, multi-policy, and good driver.
  • Progressive may include discounts for online quote discount, multi-vehicle, multi-policy, online signing, homeowner, good student, and continuous coverage.
  • AAA offers discounts including education and occupation, anti-theft, AAA membership discount, good driver, multi-car, good student, and pay-in-full.
  • American Family has savings for accident-free, defensive driver, bundled insurance, Steer into Savings, early bird, TimeAway discount, and air bags.
  • GEICO includes discounts for seat belt use, military active duty, multi-policy, defensive driver, and driver training.
  • State Farm may have discounts that include good student, multiple autos, good driver, Steer Clear safe driver discount, and passive restraint.

If you need affordable car insurance quotes, ask each insurance company how you can save money. Discounts may not apply to policyholders in your area.

The method we recommend to compare policy rates is to realize all the major auto insurance companies have advanced systems to give rate comparisons. All consumers are required to do is provide information like whether you are single or married, an estimate of your credit level, if you require a SR-22, and your occupation. The data is submitted instantly to many of the top insurers and they respond with quotes quickly.

To find the cheapest Buick Regal insurance rates, click here and find out if lower rates are available.

Different people need different insurance coverage coverages

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. These are some specific questions can aid in determining whether you would benefit from professional advice.

  • Is a fancy paint job covered?
  • How can I get my company to pay me more for my totalled car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I have coverage for damage caused while driving under the influence?
  • What is medical payments coverage?
  • What is UM/UIM insurance?
  • How do I insure my teen driver?
  • Is my teen driver covered when they drive my company car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage basics

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by car insurance companies.

Coverage for collisions

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

Collision coverage protects against claims such as sideswiping another vehicle, sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2002 Buick Regal.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for prosthetic devices, X-ray expenses, surgery and dental work. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto liability insurance

This coverage can cover damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like loss of income, court costs, emergency aid, funeral expenses and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, fire damage and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Save your hard earned cash

Some companies may not offer rate quotes online and many times these smaller companies only sell coverage through local independent agents. Cheaper car insurance is attainable both online and from local insurance agents, and you need to comparison shop both to have the best rate selection.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. The goal is to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

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