2012 Buick Regal Car Insurance Quotes – 9 Ways to Save

Looking for lower auto insurance rates for your Buick Regal? Are you kicking yourself for buying an expensive auto insurance policy? It’s quite common and there are a lot of people just like you who feel imprisoned by their auto insurance policy. There are many auto insurance companies to choose from, and although it’s nice to have multiple companies, more options can take longer to find the best rates for your vehicles.

Insurance Coverage Discounts

Auto insurance companies don’t necessarily list all disounts in an easy-to-find place, so the below list has some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online. If you do not double check each discount you qualify for, you are paying more than you should be.

  • Distant College Student Discount – College-age children who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on the same insurance coverage policy can reduce rates for all insured vehicles.
  • Driver Education Discount – It’s a good idea to have your young drivers complete a driver education course as it will make them better drivers and lower rates.
  • Telematics Devices – Insureds that choose to allow driving data collection to scrutinize when and where they use their vehicle by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
  • Discount for Low Mileage – Fewer annual miles on your Buick could earn better rates on cars that stay parked.
  • Good Student – Getting good grades can save 20 to 25%. The discount lasts until age 25.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will save you 10% or more.
  • Defensive Driving Course – Taking part in a defensive driver class can save you 5% or more and also improve your driving technique.
  • Discount for New Cars – Putting coverage on a new car can save you some money since newer vehicles are generally safer.

Remember that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will definitely reduce the amount you have to pay.

If you would like to view providers that have a full spectrum of discounts, follow this link.

The method we recommend to compare rate quotes is to take advantage of the fact most insurance companies provide online access to compare their rates. All consumers are required to do is provide information like if a SR-22 is required, the year, make and model of vehicles, how much coverage you want, and your education level. Those rating factors is then sent to multiple insurance coverage providers and you should receive rate quotes within a short period of time.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • When should my teen driver be added to my policy?
  • Should I carry comprehensive and collision coverage?
  • Do I benefit by insuring my home with the same company?
  • When should I buy a commercial auto policy?
  • Should I rate my 2012 Buick Regal as pleasure use or commute?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Where can I get insurance after a DUI in my state?
  • Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Car insurance coverage information

Having a good grasp of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from flooding and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for things like rehabilitation expenses, chiropractic care, prosthetic devices, doctor visits and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability – Liability insurance protects you from damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things like structural damage, medical expenses, loss of income, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Collision coverage – This covers damage to your Regal caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Buick Regal.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

In the end, you save

Throughout this article, we presented quite a bit of information on how to get a better price on 2012 Buick Regal insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from an unexpected company. Smaller companies can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. In many instances, someone dropped physical damage coverage only to find out they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the best possible price, but don’t skip important coverages to save money.

Budget-conscious 2012 Buick Regal insurance is definitely available both online and from local agencies, so get free auto insurance quotes from both of them to have the best selection. Some insurance companies do not provide the ability to get quotes online and usually these smaller companies work with independent agents.

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