Compare 2015 Buick Regal Insurance Rates

Are you drained from not being able to scrape enough together to pay high insurance coverage rates every month? Your situation is no different than many other drivers.

Lots of insurers contend to insure your vehicles, so it can be very hard to choose a provider and uncover the absolute best rate

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this strategy. Finding the best rates is easy if you know what you’re doing. But car owners can benefit by having an understanding of how the larger insurance companies price online insurance and apply this information to your search.

Compare free insurance quotes

When shopping for insurance there are multiple ways of comparing rate quotes from different insurance companies. By far the easiest way to find competitive Buick Regal insurance rates is to use the internet to compare rates. It’s really quite simple and can be done by using one of the methods below.

The first (and easiest) way to get quotes for comparison is a comparison rater form click here to open form in new window. This method keeps you from doing multiple quote forms to each individual insurance company. One form submission will return quotes from several companies.

Another way to find lower rates is going to the website for every company you want to comare to request a price quote. For instance, let’s say you want to compare prices for Auto-Owners, Allstate and Farmers. To get rate quotes you would need to navigate to each company’s site to enter your coverage information, which is why first method is reommended.

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

It’s up to you how you get prices quotes, just ensure you are comparing equivalent coverage data for each quote you get. If you enter higher or lower deductibles it will be very difficult to determine the lowest rate for your Buick Regal. Quoting even small variations in insurance coverages or limits may cause a big price difference. Keep in mind that comparing all the rates in your area helps increase your odds of locating the best offered rates. Some insurance companies are not set up to provide prices over the internet, so you also need to get rates from them as well.

Well known brands might not be cheapest

Companies like Progressive, GEICO, Allstate and State Farm seem to constantly run ads in print and on television. All the ads say the same thing about how much you will save if you just switch to their company. How does every company say the same thing?

Many companies give the best rates for the type of customer that will generate a profit. A good example of a desirable risk should be over age 30, owns a home, and chooses high deductibles. A customer getting a price quote that fits those parameters will probably get the lowest rates and will probably cut their rates substantially.

Potential customers who do not match these stringent criteria will probably be forced to pay more expensive rates which usually ends up with the customer not purchasing. If you pay close attention to the ads, they say “drivers who switch” not “all people who quote” save that much. That is how companies can truthfully make it sound like they have such great prices. This really emphasizes why you should get car insurance quotes from several different companies. It’s just too difficult to predict which insurance companies will have the lowest premium rates for your situation.

Lower the price of insurance with these tips

One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that help calculate your policy premiums. If you know what determines base rates, this allows you to make educated decisions that can help you get cheaper rates.

  • Premiums and job – Jobs like military generalsairline pilots and dentists generally have higher rates than average because of high stress and lots of time spent away from family. On the flip side, occupations such as professors, athletes and homemakers pay lower than average rates on Regal coverage.
  • Save by driving vehicles with better crash test results – Cars with five star safety ratings tend to have lower insurance rates. Safer cars result in less severe injuries and reduced instances of injuries translates directly to fewer claims which can mean better rates for you. If your Buick Regal has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.
  • Discounts for multiple policies – Lots of insurance companies give better rates to buyers that buy multiple policies, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare rates to make sure you are getting the best deal.
  • Raising deductibles saves money – Physical damage deductibles are how much you are required to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some coverage claims would be rearending another vehicle, vandalism, and having a roll-over accident. The more expense the insured is willing to pay, the lower your rates will be on Regal coverage.
  • Being married equates to better prices – Walking down the aisle may earn you lower rates when buying insurance. Marriage demonstrates that you tend to be more stable financially and insurance companies reward insureds because married drivers tend to file fewer claims.

Verify you’re earning every discount

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Some discounts apply automatically when you purchase, but a few must be inquired about before being credited. If you aren’t receiving every discount you deserve, you may be paying too high a price.

  • Student Discounts – Excelling in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Claim-Free Discount – Insureds with no claims or accidents pay much less as compared to frequent claim filers.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Buick can qualify you for slightly better rates than normal.
  • College Student Discount – living away from home attending college and don’t have a car could get you a discount.
  • Professional Memberships – Having an affiliation with qualifying employment or professional organizations can get you a small discount on insurance.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it can save substantially.
  • Government Employees – Active or retired federal employment can save as much as 8% on Regal coverage with certain companies.
  • New Car Discount – Buying insurance coverage on a new vehicle is cheaper compared to insuring an older model.
  • No Charge for an Accident – Not a discount per se, but certain companies will allow you to have one accident before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.

Discounts save money, but please remember that most credits do not apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. Just because it seems like all the discounts add up to a free policy, you aren’t that lucky.

If you would like to view insurers that offer many of these discounts, follow this link.

When should I discuss my situation with an agent?

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

  • What is the rate difference between pleasure use and commuting?
  • Does my insurance cover a custom paint job?
  • Exactly who is provided coverage by my policy?
  • Should I have combined single limit or split liability limits?
  • Can I get a multi-policy discount?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your car insurance policy

Knowing the specifics of a car insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.

Comprehensive coverage

This 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 insurance covers things like rock chips in glass, damage from getting keyed and theft. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, colliding with another moving vehicle, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Coverage for liability

This provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for 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 things like legal defense fees, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for things like dental work, X-ray expenses and prosthetic devices. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Be Smart and Buy Smart

Throughout this article, we presented quite a bit of information on how to get a better price on 2015 Buick Regal insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the most savings is with some of the lesser-known companies. Regional companies often have lower premium rates on specific markets than the large multi-state companies such as State Farm or Progressive.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, an insured dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

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