Lower Your 2011 Buick Regal Car Insurance Cost

Are you regretting buying high-priced auto insurance? You’re in good company because you are not the only one feeling buyer’s remorse. Numerous insurance companies battle to insure your vehicles, and it can be difficult to compare rates to find the absolute lowest cost out there.

Smart consumers take time to compare premium rates yearly because insurance rates are constantly changing. Despite the fact that you may have had the best deal on Regal insurance a year ago there may be better deals available now. You’ll find a ton of advice on auto insurance online but by reading this article, you’re going to learn the easiest ways to reduce your auto insurance bill.

Why you might pay increased rates

Consumers need to have an understanding of some of the elements that help calculate your premiums. If you have a feel for what determines base rates, this enables you to make decisions that can earn you big savings.

Shown below are some of the most common factors used by companies to determine your rate level.

  • Pleasure use saves money – The higher the mileage driven in a year’s time the higher your rate. A lot of insurance companies charge to insure your cars based on their usage. Vehicles that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. A policy that improperly rates your Regal can cost quite a bit. Verify your car insurance coverage states how each vehicle is driven, because it can save money.
  • How much liability do you need? – Liability coverage is the protection when you are found to be at fault for physical damage or personal injury to other. Liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so do not skimp.
  • Reduce premiums by driving safer vehicles – Safer cars tend to have better insurance rates. Safe vehicles result in less severe injuries and fewer serious injuries translates into fewer and smaller insurance claims which can result in lower premiums. If your Buick scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Premiums and your address – Residing in smaller towns and rural areas of the country can save you money when it comes to car insurance. Less people means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas have to deal with much more traffic and much longer commute distances. More time behind the wheel translates into higher accident risk.
  • Save money by having multiple policies – Most larger car insurance companies apply lower prices to clients who consolidate policies with them. It’s known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to confirm you are receiving the best rates possible.There is a good possibility that you can save even more than the discount by splitting coverages up.
  • Know your credit score – An insured’s credit history can be a huge factor in determining your rates. So if your credit score is lower than you’d like, you could be paying less to insure your 2011 Buick Regal by repairing your credit. Drivers who have good credit tend to be more responsible than drivers with bad credit.
  • High deductibles equal low rates – Physical damage insurance, also called ‘full coverage’, is used to repair damage to your vehicle. Examples of some claims that would be covered would be running into the backend of another car, flood damage, and having your car stolen. The deductibles you choose represent how much money you are willing to pay if the claim is covered. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on Regal insurance.

First Step: Get free insurance quotes

Getting a cheap price on 2011 Buick Regal insurance is not a difficult process. The only requirement is to spend a little time comparing rates from different insurance companies. Rate comparisons can be done by following the guidelines below.

  1. One of the best ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for repetitive form entry for each company you want a rate for. In just a few minutes this one form gets you coverage quotes instantly.
  2. A less efficient way to find better pricing is spending the time to visit each company website and fill out their own quote form. For instance, let’s assume you want comparison quotes from Nationwide, State Farm and Farmers. You would have to visit each site to enter your coverage information, which is why first method is reommended.

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

  3. If you have time to kill, the last way to get price estimates is to spend time driving to all the different insurance agencies. Quoting and buying insurance online has reduced the need for local agents unless you require the trained guidance that you can only get from talking to an agent. Drivers can comparison shop online but still have the advice of a local agent.

Which method you use is up to you, but make sure you are using the exact same coverage limits and deductibles with every price quote. If you enter differing limits it will be nearly impossible to determine which company has the best rates.

Insurance buyers beware

Consumers can’t get away from ads that promise big savings by State Farm and Allstate. All the companies say the same thing that people will save just by moving your coverage to them.

Is it even possible that every company can say the same thing?

All the different companies give the best rates for a prospective insured that earns them a profit. A good example of this type of insured may be a female over age 40, has no prior claims, and drives a car with an anti-theft system. A customer getting a price quote that meets those criteria will get very good prices and as a result will probably save a lot if they switch.

Consumers who do not match the ideal profile will be charged a higher premium and ends up with business going elsewhere. The wording the ads use say “drivers who switch” not “all people who quote” can get the lowest rates when switching. This is how companies can truthfully advertise the savings. This really illustrates why it’s extremely important to compare as many free auto insurance quotes as you can. You cannot predict which insurance company will fit you best based on your risk profile.

Insurance coverage discounts help slash rates

Insurance coverage is neither fun to buy or cheap, but there could be available discounts that may help make it more affordable. Certain reductions will be credited at the time you complete a quote, but once in a while a discount must be manually applied prior to receiving the credit.

  • Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education in school.
  • Accident Forgiveness – Not necessarily a discount, but companies like State Farm and Progressive will let one accident slide without getting socked with a rate hike so long as you are claim-free for a particular time prior to the accident.
  • No Accidents – Drivers with accident-free driving histories have much lower rates in comparison to drivers who are more careless.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a discount up to 10% on Regal insurance.
  • Onboard Data Collection – Insureds that choose to allow data collection to monitor vehicle usage by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think you can get free auto insurance, nobody gets a free ride.

Popular insurance coverage companies and a selection of discounts are included below.

  • Farm Bureau includes discounts for safe driver, multi-policy, good student, multi-vehicle, renewal discount, and youthful driver.
  • State Farm may include discounts for good student, good driver, multiple autos, Drive Safe & Save, driver’s education, and student away at school.
  • Progressive offers premium reductions for continuous coverage, online signing, online quote discount, homeowner, multi-vehicle, multi-policy, and good student.
  • Allstate offers discounts including teenSMART discount, auto/life discount, good student, senior citizen, EZ pay plan discount, and eSmart discount.
  • Nationwide discounts include business or organization, accident-free, defensive driving, good student, multi-policy, and Farm Bureau membership.
  • MetLife policyholders can earn discounts including multi-policy, accident-free, good driver, good student, claim-free, and defensive driver.

Check with every insurance company which discounts can lower your rates. All car insurance discounts may not be offered in your area. If you would like to choose from a list of insurers who offer free insurance coverage quotes, click here to view.

Which is the best auto insurance?

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help you determine if your situation would benefit from an agent’s advice.

  • How can I find cheaper teen driver insurance?
  • Should I bundle my homeowners policy with my auto?
  • How much underlying liability do I need for an umbrella policy?
  • Does my 2011 Buick Regal qualify for pleasure use?
  • Is my 2011 Buick Regal covered for smoke damage?
  • Which is better, split liability limits or combined limits?
  • Are rock chip repairs covered?
  • If my 2011 Buick Regal is totaled, can I afford another vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like pain and suffering, emergency aid and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Regal.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for nursing services, surgery, EMT expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for collisions

This pays for damage to your Regal resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, hitting a parking meter, crashing into a building, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

More comparisons equals lower rates

We just showed you some good ideas how to save on 2011 Buick Regal insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper auto insurance. You may be surprised to find that the most savings is with a small mutual company. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

When you buy auto insurance online, make sure you don’t sacrifice coverage to reduce premiums. In many cases, someone dropped physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage at the best cost.

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