2013 Buick Regal Insurance Rates

Searching for the cheapest insurance rates for your Buick Regal? Are you at wits end from paying out the nose to pay insurance each month? Your situation is no different than millions of other consumers.

With so many options, it’s difficult to locate the best insurance provider.

You should take the time to take a look at other company’s rates yearly since rates change quite often. Even if you think you had the lowest premium rates for Regal insurance at your last renewal a different company probably has better prices today. Forget all the misinformation about insurance because you’re about to find out the fastest and easiest way to find great coverage at a great price.

Finding affordable protection is simple if you know the tricks. Essentially every driver who has to buy car insurance stands a good chance to be able to find lower rates. Although car owners do need to know the way insurance companies compete online.

Compare insurance quotes online

Shopping for lower insurance rates can be exhausting if you don’t know the best way to get rate quotes. You could spend your day driving to agents in your area, or you could save time and use online quotes to achieve your goal.

Most car insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and each company returns a competitive quote for coverage. This saves time by eliminating quote forms to each individual insurance company.

To find out how much you can save on insurance click to open in new window.

One minor caviat to using this type of system is you cannot specify which carriers you will receive quotes from. If you wish to select individual companies to compare prices, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just try to keep identical coverage data for every quote you compare. If you are comparing different limits and deductibles on each one it will be very difficult to decipher which rate is best. Just slight variations in coverage limits can make a big difference in price. And when quoting insurance, remember that making a lot of price comparisons provides better odds of finding more affordable insurance.

What determines Buick Regal insurance prices?

Lots of factors are part of the equation when you get a price on insurance. Some are obvious like your driving record, but some are not quite as obvious such as your credit history or your vehicle rating.Part of the insurance coverage buying process is learning a few of the rating criteria that aid in calculating the price you pay for insurance coverage. If you know what positively or negatively impacts your premiums, this enables you to make decisions that may result in cheaper rates.

  • Vehicles with better crash test results save money – Vehicles that have high safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce injuries and any reduction in injury severity means less claims paid which can result in lower premiums. If your Buick Regal scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Is your vehicle theft-ready? – Buying a car with advanced anti-theft systems can help lower your premiums. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent vehicle theft.
  • Never let your policy expire – Driving without insurance coverage in place is illegal and insurance coverage companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, failure to provide proof of insurance might get you fines or a revoked license.
  • Gender is a factor – Over the last 30 years, statistics show that females take fewer risks when driving. This data doesn’t prove that men are worse drivers. Both genders are in fender benders at about the same rate, but the male of the species cause more damage. Not only are claims higher, but men receive more major tickets such as DWI and reckless driving. Males from age 16 to 21 have the highest risk to insure and therefore are the most expensive to insure.
  • You may save more by combining policies – Lots of insurance coverage companies apply discounts to people that buy multiple policies such as combining an auto and homeowners policy. Even with this discount, it’s still a good idea to compare other company rates to ensure the best deal. It’s possible to still save more without the discount by splitting coverages up.
  • Annual miles is a factor – The more you drive in a year the higher the price you pay to insure it. Many insurance companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks that are left in the garage receive better premium rates than cars that get driven a lot. Improper usage on your Regal is throwing money out the window. Make sure your vehicle rating reflects the correct driver usage, because improper ratings can cost you money.

Verify you’re earning every discount

Insurance can be prohibitively expensive, but there could be available discounts that could help you make your next renewal payment. Many discounts should be triggered at the time of quoting, but a few must be requested specifically prior to getting the savings. If you do not double check each discount possible, you may be paying too high a price.

  • Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free for a certain period of time.
  • New Vehicle Savings – Insuring a vehicle that is new may earn a small discount because new model year vehicles are generally safer.
  • Auto/Home Discount – When you have multiple policies and insure them both with the same insurance company you could save over 10 percent off each policy depending on the company.
  • Good Driver Discounts – Accident-free drivers can save as much as half off their rates for Regal insurance as compared to drivers with claims.
  • Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
  • ABS Brakes – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.

A little note about advertised discounts, some credits don’t apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though you would think you can get free auto insurance, company stockholders wouldn’t be very happy.

To see companies with significant discounts, click here to view.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you might need professional guidance.

  • What is medical payments coverage?
  • When would I need additional glass coverage?
  • Should I carry comprehensive and collision coverage?
  • Is there coverage for injuries to my pets?
  • When can my company non-renew my policy?
  • Am I covered if I drive in a foreign country?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to get a high-risk car insurance policy?
  • What are the best liability limits?
  • Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on most car insurance policies.

Collision coverage

This coverage will pay to fix damage to your Regal from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, crashing into a building, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses like doctor visits, surgery, dental work and EMT expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability 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. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as repair costs for stationary objects, court costs, structural damage, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Be Smart and Buy Smart

In this article, we presented a lot of ways to get a better price on 2013 Buick Regal insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding affordable auto insurance. Consumers could even find that the lowest prices are with the smaller companies. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

Affordable 2013 Buick Regal insurance can be found both online and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance companies may not offer online rate quotes and many times these small insurance companies work with independent agents.

More detailed insurance coverage information can be read by following these links: