2017 Buick Regal Car Insurance Cost

Want lower insurance coverage rates for your Buick Regal? Are you a victim of high-priced insurance coverage? Trust us when we tell you you are not the only one feeling buyer’s remorse. Insurance companies such as GEICO, Progressive and Allstate constantly blast consumers with TV and radio ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Smart consumers take time to check insurance coverage prices yearly because rates trend upward over time. Just because you had the best premium rates on Regal insurance last year you may be paying too much now. There is a lot of bad advice regarding insurance coverage online but by reading this article, you’re going to learn some guaranteed methods to find affordable insurance coverage.

If you have a policy now or are looking for a new policy, you can use this information to find the best rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers only need to know the most efficient way to shop online.

Compare insurance coverage rates

Finding a better price on insurance coverage isn’t really that difficult. All you need to do is invest a little time comparing price quotes online from several insurance companies. Comparing prices online can be done by following the guidelines below.

The fastest and easiest way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This quick form eliminates the need for separate quotation requests for every insurance coverage company. One simple form gets rate comparisons from several companies.

A different way to get comparison quotes consists of going to each company’s website and fill out their own quote form. For sake of this example, we’ll assume you want to see prices from Liberty Mutual, 21st Century and American Family. To do that, you would have to spend time going to each site individually and repeatedly type in your coverage information, which explains why we recommend starting with the first method.

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

The old school way to comparison shop rate quotes is driving around to insurance agents’ offices. The ability to quote online makes this unnecessary unless your situation requires the professional abilities of a local agency. Although you can price shop your coverage online but have a local agent actually write the policy.

Whichever way you use, try to use identical coverage information on every quote you get. If each company quotes different values for each quote it will be impossible to make an equal comparison.

Verify you’re receiving every discount

Car insurance can cost a lot, but there are discounts available that can dramatically reduce your bill. Some trigger automatically at the time of purchase, but some may not be applied and must be asked about before you will receive the discount.

  • Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a break if you buy life insurance from them.
  • Telematics Data – People who choose to allow their insurance company to monitor driving patterns by using a small device installed in their vehicle like Allstate’s Drivewise could save a few bucks as long as they are good drivers.
  • Passive Restraints – Cars that have air bags can receive discounts of 25 to 30%.
  • Bundle and Save – When you have multiple policies with one insurance company they may give you a discount of at least 10% off all policies.
  • First Accident Forgiveness – This one isn’t a discount, but companies like GEICO and Allstate will forgive one accident before they charge you more for coverage with the catch being you have to be claim-free for a particular time prior to the accident.
  • Savings for New Vehicles – Adding a new car to your policy can get you a discount because new vehicles keep occupants safer.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for substantially lower prices.
  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more off PIP or medical payments premium.

You can save money using discounts, but many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you could get a free insurance policy, you’re out of luck. Any qualifying discounts should definitely cut the premium cost.

The best insurance companies and a selection of discounts are:

  • State Farm has discounts for Steer Clear safe driver discount, defensive driving training, good driver, accident-free, multiple autos, Drive Safe & Save, and anti-theft.
  • Progressive may offer discounts for multi-vehicle, online signing, good student, continuous coverage, and online quote discount.
  • Progressive offers discounts for online quote discount, multi-vehicle, homeowner, multi-policy, online signing, continuous coverage, and good student.
  • MetLife may include discounts for multi-policy, defensive driver, claim-free, accident-free, and good student.
  • Farm Bureau includes discounts for renewal discount, 55 and retired, safe driver, youthful driver, multi-vehicle, and multi-policy.
  • GEICO policyholders can earn discounts including good student, seat belt use, anti-lock brakes, anti-theft, and defensive driver.
  • SAFECO may have discounts that include drive less, anti-theft, teen safe driver, accident prevention training, teen safety rewards, multi-car, and homeowner.

Before you buy a policy, ask each insurance company the best way to save money. A few discounts might not be offered in your area. To see insurers that have a full spectrum of discounts, follow this link.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.

  • When should I buy a commercial auto policy?
  • Should I put collision coverage on all my vehicles?
  • Do I need replacement cost coverage?
  • Is my teenager covered with friends in the car?
  • When can my company non-renew my policy?
  • Should I buy full coverage?
  • Is motorclub coverage worth it?
  • Is my dog or cat covered if injured in an accident?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Informed drivers can lower insurance rates

Many factors are considered when quoting car insurance. Some are obvious like an MVR report, but some are less apparent like where you live or your financial responsibility.Part of the insurance coverage buying process is learning the different types of things that help calculate the level of your policy premiums. If you know what controls the rates you pay, this enables informed choices that can help you get better insurance coverage rates.

  • Frequent insurance coverage claims will cost you – If you’re an insured who likes to file claims you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies generally give the best rates to insureds who are claim-free. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Insurance coverage rates and age – Older people are viewed as being more responsible, cause fewer claims and accidents .Beginning drivers are statistically proven to get distracted easily in a vehicle and because of this, their insurance coverage rates are much higher.
  • High physical damage deductibles lower costs – The deductibles you choose define the amount you are required to spend before your insurance coverage pays a claim. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply could be collision with another vehicle, damage from fire, and damage caused by road hazards. The larger the amount you pay before a claim is paid (deductible), the less your insurance coverage will be on Regal insurance.
  • Drive less and save – The more you drive in a year’s time the higher your rates will be. A lot of companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage can be on a lower rate level than vehicles that are driven to work every day. Verify your insurance coverage policy is showing how each vehicle is driven, because it can save money. Incorrect rating for your Regal is throwing money out the window.
  • Liability protection limits should be high – The liability section of your policy will provide protection in the event that you are determined to be liable for damages caused by your negligence. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Safer occupants lowers prices – Cars with high safety ratings cost less to insure. Vehicles engineered for safety result in less severe injuries and any reduction in injury severity means less claims paid and lower rates for you.
  • Does your occupation raise your insurance coverage rates? – Did you know your insurance coverage rates can be affected by your occupation? Careers such as real estate brokers, business owners and accountants generally pay higher rates than the rest of us because of intense work requirements and incredibly demanding work hours. Conversely, jobs like scientists, athletes and retirees receive lower rates on Regal insurance.
  • Little extras can really add up – Policies have extra bells and whistles that you can get tricked into buying but may not be useful. Insurance for personal injury protection, accidental death, and additional equipment coverage may be costing you every month. The coverages may be enticing when talking to your agent, but your money might be better spent on other coverage so think about removing them and cutting costs.

Educate yourself about car insurance coverages

Understanding the coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Buick Regal.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability – This coverage protects you from damage or injury you incur to a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as medical services, pain and suffering, medical expenses and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision – This covers damage to your Regal caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, driving through your garage door, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, a broken windshield, theft and hail damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for short-term medical expenses for things like hospital visits, prosthetic devices and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Smart shoppers get results

Lower-priced insurance coverage is attainable on the web as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get quotes online and many times these regional carriers only sell through local independent agents.

As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced physical damage coverage and learned later they didn’t have enough coverage. The aim is to purchase plenty of coverage at the best possible price, but do not skimp to save money.

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