Cheaper 2004 Buick Regal Car Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Buick Regal? Are you drained from being strong-armed to buy insurance coverage? Your situation is no different than many other drivers. You have so many auto insurance companies to buy insurance from, and although it’s nice to be able to choose, lots of choices makes it harder to locate the cheapest rates.

You need to check insurance coverage prices before your policy renews since prices are constantly changing. Just because you had the best deal for Regal coverage on your last policy you will most likely find a better rate quote today. There is lot of inaccurate information about insurance coverage on the internet, but in this article, you’re going to get some of the best ways to stop overpaying for insurance.

What determines Buick Regal insurance prices?

Many different elements are part of the equation when you get a price on insurance. A few of the factors are predictable such as your driving history, but others are not quite as obvious such as your credit history and annual miles driven.Smart consumers have a good feel for some of the things that help calculate insurance coverage rates. When you know what positively or negatively impacts premium levels, this enables informed choices that will entitle you to big savings.

  • Accidents inflate prices – A bad driving record influences premium rates substantially. Only having one driving citation can increase the cost of insurance forty percent or more. Drivers who don’t get tickets receive lower rates as compared to careless drivers. Drivers who have gotten multiple citations such as reckless driving or DUI may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state in order to drive a vehicle legally.
  • Drive less and get lower prices – The more you drive your Buick every year the higher the price you pay to insure it. Many insurance companies apply a rate determined by how the vehicle is used. Vehicles that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage declarations sheet properly reflects the proper vehicle usage. Having an incorrect usage rating on your Regal may be costing you higher rates.
  • Insure car and home with the same company – The majority of insurance companies afford a discount to insureds that buy multiple policies. It’s known as a multi-policy discount. The amount of the discounts can be 10 percent or more. Even if you’re getting this discount it’s in your best interest to check prices from other companies to help guarantee you have the best rates. It’s possible to still find lower rates even if you insure with multiple companies
  • Advanced alarm systems – Purchasing a vehicle with advanced anti-theft systems can get you a discount on your insurance coverage. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent auto theft and help lower rates.
  • Premiums impacted by your city – Living in small towns and rural areas has definite advantages when it comes to insurance coverage. Fewer drivers corresponds to lower accident rates and also fewer theft and vandalism claims. Residents of big cities have much more traffic and higher rates of accident claims. Higher commute times translates into higher accident risk.
  • Pay less with a high NHTSA crash test rating – Safer cars can get you lower premiums. Vehicles engineered for safety reduce the chance of injuries and better occupant protection means your insurance company pays less which can result in lower premiums. If the Buick Regal scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.

How much is insurance?

Getting cheap 2004 Buick Regal insurance pricing is actually quite simple. The only requirement is to spend a few minutes on the computer getting comparison quotes from online providers. This can be done in just a few minutes using one of these methods.

  1. Probably the best way to find low rates is a comparison rater form click to view form in new window. This style of form saves time by eliminating separate quote forms for every prospective company. One form compares rates from multiple companies.
  2. A more time consuming way to find lower rates requires visiting each individual company website and fill out their own quote form. For examples sake, we’ll assume you want to see prices from Liberty Mutual, 21st Century and GEICO. To get each rate you have to go to each individual site to enter your coverage information, which explains why we recommend starting with the first method.

    To view a list of companies in your area, click here.

  3. The hardest way to get rate quotes to insurance agents’ offices. Doing it all online makes this process obsolete unless your situation requires the trained guidance that only an agent can give. It is possible to price shop online and have a local agent actually service the policy.

The approach you take is up to you, just be certain you are entering the exact same quote information for each quote you get. If you use mixed coverages you will not be able to truly determine the lowest rate.

The auto insurance bait and switch

Drivers can’t avoid all the ads for the lowest price auto insurance by companies like Progressive, Allstate and GEICO. All the companies try to convey promises about savings just by moving your coverage.

How do they all give you a better price? It’s all in how they say it.

Insurance companies give the cheapest rates for the type of driver that makes them money. A good example of this type of insured might be described as between 30 and 50, has no claims, and has excellent credit. A customer that fits those parameters will get low prices and is almost guaranteed to cut their rates substantially.

Insureds who fall outside these stringent criteria will have to pay higher premium rates which usually ends up with the prospect going elsewhere. The ads state “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can confidently advertise the way they do. Because each company has a different risk profile, you absolutely need to get car insurance quotes as often as possible. Because you never know which insurance companies will have the best car insurance rates.

Use discounts to get cheaper insurance rates

Companies don’t always list all disounts in an easy-to-find place, so the below list has some of the more common and also the lesser-known discounts that may be available.

  • No Claims – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote when compared to drivers who are more careless.
  • Auto/Life Discount – Larger insurance companies have a small discount if you purchase life insurance from them.
  • Discount for Home Ownership – Being a homeowner may trigger a policy discount on insurance because it requires personal responsibility.
  • Air Bags and Passive Restraints – Options like air bags or motorized seat belts may get savings as much as 30%.
  • Safety Course Discount – Successfully completing a course in safe driver may get you a small discount and easily pay for the cost of the class.
  • No Charge for an Accident – This one isn’t a discount, but some companies like Allstate and GEICO will turn a blind eye to one accident before your rates go up if you have no claims prior to the accident.
  • Discount for Multiple Policies – When you combine your auto and homeowners insurance and insure them with the same company you will save nearly 15% which can help you find cheap car insurance.
  • Pay Early and Save – By paying your policy upfront rather than spreading payments over time you may have a lower total premium amount.
  • Military Deployment Discount – Being deployed with a military unit could mean lower premium rates.
  • Seat Belts Save – Drivers who require all occupants to buckle up could cut 10% or more off the PIP or medical payment premium.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Some of the larger companies that may include many of the previously listed discounts possibly include:

If you need lower rates, check with all the companies which credits you are entitled to. Savings may not apply to policyholders in your area. To see companies that provide some of the discounts listed above, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Does my 2004 Buick Regal need full coverage?
  • Am I covered when driving on a suspended license?
  • Why am I required to get a high-risk car insurance policy?
  • Is my dog or cat covered if injured in an accident?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my 2004 Buick Regal qualify for pleasure use?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Coverages available on your policy

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types offered by auto insurance companies.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, rolling your car, colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Liability coverage – Liability insurance protects you from damage that occurs to other people or property. This insurance protects YOU against other people’s claims. Liability 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 limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as pain and suffering, structural damage, loss of income and medical services. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive auto insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, vandalism, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for EMT expenses, prosthetic devices, ambulance fees, funeral costs and nursing services. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2004 Buick Regal.

Since a lot of 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.

More quotes mean more savings

Discount 2004 Buick Regal insurance can be purchased on the web as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not have internet price quotes and these small, regional companies sell through independent insurance agents.

We covered a lot of techniques to compare 2004 Buick Regal insurance prices online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a small mutual company. These companies may only write in your state and offer lower rates than their larger competitors like Progressive and GEICO.

While you’re price shopping online, never reduce needed coverages to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your goal is to get the best coverage possible at a price you can afford, but do not skimp to save money.

More detailed auto insurance information can be found in these articles: