Cheaper 2014 Buick Regal Car Insurance Quotes

Did you make the mistake of buying an overpriced insurance policy? Believe me when I say many drivers feel the same as you. Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings, bombarding you with TV and radio ads and consumers find it hard to ignore the propoganda and find the best price available.

It’s a good habit to check insurance prices periodically since insurance rates change quite often. Even if you think you had the best premium rates on Regal insurance six months ago you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to learn the right way to find the best coverage while lowering your premiums.

If you have insurance now or need new coverage, you can use this information to find better prices while maximizing coverage. Buying car insurance is quite easy. Drivers only need to know how to compare company rates on the web.

Affordable insurance coverage quotes

Performing a rate comparison can take time and effort if you don’t understand the fastest way to get free quotes. You could spend your day driving to insurance companies in your area, or you could use online quotes to achieve your goal.

Most car insurance companies participate in a marketplace that enables customers to only type in their quote data once, and every company provides a quote based on the submitted data. This prevents consumers from doing quotation requests to each individual insurance coverage company.

To fill out one form to compare multiple rates now click here to open in new window.

The single downside to comparing rates this way is you are unable to specify the insurers you want pricing from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just compare identical quote information for each price quote. If you compare differing limits you will not be able to get a fair rate comparison.

Insurance coverage companies offer money-saving discounts

The cost of insuring your cars can be expensive, but there could be available discounts that can dramatically reduce your bill. Many discounts should be triggered when you quote, but some discounts are required to be specially asked for before you get the savings.

  • Multi-car Discount – Insuring multiple cars or trucks with the same insurance coverage company can reduce rates for all insured vehicles.
  • Life Insurance Discount – Larger companies have a discounted insurance coverage rate on car insurance if you buy a life insurance policy as well.
  • Auto/Home Discount – If you can combine your auto and home policy and insure them both with the same insurance company you may earn nearly 15% which can help you find affordable insurance coverage.
  • Paper-free Discount – A few larger companies will give you a small discount for buying your policy on your computer.
  • Home Ownership Discount – Owning a home can earn you a little savings due to the fact that maintaining a home shows financial diligence.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and that can save you a little bit as well.
  • Telematics Devices – Insureds who allow driving data submission to spy on driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they have good driving habits.
  • Savings for New Vehicles – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.

As is typical with insurance, most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, nobody gets a free ride.

A few companies who may offer many of the previously listed discounts include:

When getting a coverage quote, ask every insurance company which discounts you qualify for. Some credits might not be available to policyholders in your area. If you would like to see a list of providers that can offer you the previously mentioned discounts, click this link.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Am I covered when driving in Canada or Mexico?
  • Does liability extend to a camper or trailer?
  • Why do I need rental car insurance?
  • Is pleasure use cheaper than using my 2014 Buick Regal to commute?
  • What is UM/UIM insurance?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when delivering products for my home-based business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance coverage basics

Knowing the specifics of your insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as X-ray expenses, surgery, doctor visits, ambulance fees and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, rock chips in glass, theft and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

Collision coverage covers damage to your Regal from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverage

This coverage protects you from damage that occurs to other’s property or people in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like structural damage, attorney fees, medical services, bail bonds and court costs. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Don’t break the bank

When trying to cut insurance costs, you should never reduce needed coverages to save money. In many cases, an accident victim reduced full coverage only to find out that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

You just learned quite a bit of information on how to lower your 2014 Buick Regal insurance premium rates. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with some of the lesser-known companies. These smaller insurers may only write in your state and offer lower prices than their larger competitors like State Farm and Allstate.

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