Cheaper 2018 Buick Regal Insurance Quotes

Trying to find the cheapest insurance rates for your Buick Regal? Finding cheaper coverage rates for Driversinsurance is always very difficult for beginners to online insurance quotes. Drivers have so many choices that it can easily turn into a ton of work to find the best coverage rates.

If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Finding cheaper insurance coverage is easy if you know what you’re doing. Nevertheless, car owners must comprehend the methods companies use to market insurance on the web because it can help you find the best coverage.

How to shop car insurance online

When shopping for cheaper insurance coverage quotes, there are a couple of ways to compare rate quotes from many available car insurance companies in your state. The simplest method to compare rates is to get quotes online. This can be done in a couple minutes as outlined below.

The most recommended method to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form saves time by eliminating repetitive form entry to each individual car insurance company. Taking the time to complete one form will get you rate comparisons instantly. It’s the fastest way to compare.

A more time consuming way to find more affordable insurance is to take the time to go to each company website and repeat the quote process. For examples sake, we’ll pretend you want to compare State Farm, Allstate and Liberty Mutual. You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular.

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

The hardest way to get comparison rates is to waste gas driving to each insurance agency near you. The internet eliminates the middleman unless you require the professional abilities that only an agent can give. It is possible to get the lowest quotes online but purchase the actual policy in an agency.

Whichever way you use, make sure you compare the same information for every company. If you use higher or lower deductibles it will be next to impossible to determine the lowest rate for your Buick Regal. Even a minor difference in coverages can make a big difference in price. And when price shopping your coverage, getting more free quotes increases your odds of finding the best offered rates.

Can you really save if you switch?

Allstate, GEICO and Progressive consistently run television, radio, and online ads. They all advertise the message that you can save if you get a free insurance coverage quote and switch your coverage. Is it even possible that every company can make the same claim? Here is the trick they use.

Most companies have strict underwriting profiles for the type of insured that will generate a profit. For instance, a profitable insured should be over the age of 40, owns a home, and drives less than 7,500 miles a year. Any person that matches those criteria will get the preferred auto insurance rates and will also save money with a new company.

Insureds who may not quite match those standards will see a higher premium with the end result being the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone who quotes” can save as much as they claim. This is how insurance companies can confidently make claims like that. This illustrates why it is so important to quote coverage with many companies. Because without a comparison, you cannot know which company will have the lowest rates.

Smart consumers know how to quote auto insurance cheaper

Many factors are used in the calculation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other factors are less obvious such as whether you are married or your commute time.A large part of saving on auto insurance is knowing some of the things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that can earn you better auto insurance rates.

Listed below are a partial list of the pieces companies use to determine your rate level.

  • Are women or men drivers cheaper? – Statistics demonstrate that women are safer drivers than men. However, don’t assume that females are better drivers. Both sexes tend to get into auto accidents in similar numbers, but the male of the species have accidents that have higher claims. Not only are claims higher, but men get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are the most expensive to insure and therefore pay the highest rates.
  • Rate your vehicle for proper use – The more you drive in a year’s time the higher your rate. Almost all companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles that sit idle most of the time receive lower rates than those that get driven frequently. Make sure your declarations sheet is showing annual mileage, because improper ratings can cost you money. Improper usage on your Regal may be wasting your money.
  • Buy as much liability insurance as you can afford – Your policy’s liability coverage provides coverage when a jury decides you are liable for an accident. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is pretty cheap compared to comp and collision, so buy as much as you can afford.
  • Avoid unnecessary extra policy coverages – There are a lot of extra coverages you can purchase if you aren’t careful. Things like coverage for rental cars, better glass coverage, and membership fees may not be needed and are just wasting money. They may seem like a good idea at first, but if they’re wasting money get rid of them and save.

Take advantage of every auto insurance discount

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that can drop the cost substantially. Some discounts will apply when you complete an application, but a few must be specially asked for prior to receiving the credit.

  • Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a insurance coverage quote.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
  • Multi-car Discount – Having several vehicles on one policy may reduce the rate for each vehicle.
  • Membership in Organizations – Joining qualifying clubs or civic groups could earn you a nice discount when getting a insurance coverage quote.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks off the personal injury premium cost.
  • 55 and Retired – Older drivers may qualify for a small discount on rates on Regal insurance.
  • Data Collection Discounts – Insureds who allow data collection to spy on driving patterns remotely like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as the data is positive.
  • ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and will save you 10% or more.
  • Smart Student Discounts – Excelling in school can save 20 to 25%. The discount lasts up to age 25.
  • Pay Early and Save – If paying your policy premium upfront rather than spreading payments over time you may have a lower total premium amount.

One last thing about discounts, most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.

A few popular companies and the discounts they provide are detailed below.

  • GEICO includes discounts for multi-policy, air bags, defensive driver, anti-lock brakes, daytime running lights, and five-year accident-free.
  • Auto-Owners Insurance offers premium reductions for multi-policy, group or association, good student, anti-lock brakes, and safe driver.
  • American Family discounts include mySafetyValet, TimeAway discount, accident-free, multi-vehicle, Steer into Savings, good student, and bundled insurance.
  • Esurance policyholders can earn discounts including safety device, paid-in-full, emergency road assistance, Pac-12 alumni, and anti-lock brakes.
  • Progressive may have discounts that include good student, online quote discount, online signing, multi-policy, homeowner, multi-vehicle, and continuous coverage.
  • State Farm may offer discounts for multiple policy, student away at school, Steer Clear safe driver discount, safe vehicle, defensive driving training, Drive Safe & Save, and accident-free.
  • AAA has savings for multi-car, AAA membership discount, pay-in-full, education and occupation, and anti-theft.

Double check with each company or agent which discounts you qualify for. Depending on the company, some discounts might not be available to policyholders in your area. To locate insurance companies with discount auto insurance rates, follow this link.

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions can help discover if your insurance needs will benefit from professional help.

  • What is covered by UM/UIM coverage?
  • What is the difference between comprehensive and collision coverage?
  • Will my insurance pay for OEM parts?
  • Do I have any recourse if my insurance company denies a claim?
  • I have a DUI can I still get coverage?
  • Which is better, split liability limits or combined limits?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form.

Specific coverage details

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Auto liability

This will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Collision protection

This coverage pays for damage to your Regal resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, scraping a guard rail, hitting a mailbox, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, damage from a tornado or hurricane and fire damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like surgery, ambulance fees, nursing services, hospital visits and chiropractic care. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Buick Regal.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Money doesn’t grow on trees

Budget-friendly car insurance can be bought both online in addition to local insurance agencies, and you need to price shop both to get a complete price analysis. There are still a few companies who may not offer online rate quotes and most of the time these smaller companies only sell coverage through local independent agents.

We’ve covered many tips how you can shop for 2018 Buick Regal insurance online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a smaller regional carrier.

When trying to cut insurance costs, never reduce coverage to reduce premium. In many instances, an insured dropped liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

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