How Much Does 2018 Buick Regal TourX Insurance Cost?

Searching for lower auto insurance rates for your Buick Regal TourX? Did budget coverage turn out to be high-priced auto insurance? Trust us, many drivers have buyer’s remorse. Since you have so many options, it is hard for the average consumer to choose the cheapest auto insurance company.

It’s smart to compare premium rates quite often because insurance rates are rarely the same from one policy term to another. Even if you got the lowest rate on Regal TourX coverage a few years ago the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because you’re about to learn the quickest way to find better coverage at a better price.

The purpose of this post is to help educate you on how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these methods. Drivers just need to learn the most effective way to get comparison quotes on the web.

Do you qualify for discounts?

Auto insurance is neither fun to buy or cheap, but there are discounts available that you may not even be aware of. Most are applied at the time of purchase, but some discounts are required to be inquired about before you get the savings.

  • Bundled Policy Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company you could earn a discount of up to 20% and get you low cost insurance coverage.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up can save a little on medical payment and PIP coverage.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and qualify for as much as a 10% discount.
  • Good Student Discount – A discount for being a good student may save you up to 25%. The discount lasts up to age 25.
  • Paper-free Discount – Certain companies will discount your bill up to fifty bucks for signing up on the internet.
  • Early Switch Discount – A few larger companies give discounts for signing up before your current coverage expires. The savings is around 10%.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower auto insurance rate if you buy some life insurance too.
  • Accident Free – Insureds who avoid accidents and claims get the best auto insurance rates when compared to policyholders that have many claims.

Just know that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But all discounts should help reduce the cost of coverage.

To choose providers that offer multiple discounts, click here.

Compare quotes for auto insurance

Finding a better price on auto insurance is not a difficult process. The only requirement is to spend a little time comparing price quotes from online providers. It’s really simple and can be done using one of these methods.

  1. The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This form prevents you from having to do boring form submissions for each company. Completing one form gets coverage cost estimates from auto insurance companies with the best prices.
  2. A less efficient way to get comparison quotes requires you to visit each individual company website to complete a price quote. For example, let’s say you want to compare prices for GEICO, Farmers and Travelers. You would need to spend time on each company’s site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but double check that you are using apples-to-apples coverages and limits for every company. If each company quotes higher or lower deductibles it will be nearly impossible to determine which rate is truly the best.

Learn how to get auto insurance at a discount

A large part of saving on auto insurance is knowing the different types of things that help determine auto insurance rates. If you have some idea of what controls the rates you pay, this enables informed choices that can help you get big savings. Lots of factors are considered when pricing auto insurance. Some are obvious like your driving record, but some are more obscure like where you live or how safe your car is.

  • Experienced drivers pay less – Drivers with little experience are statistically shown to be more careless when behind the wheel and because of this, their auto insurance rates are much higher. If you’ve ever had to add a beginning driver to your auto insurance policy can be quite pricey. Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims and get fewer tickets.
  • Always keep your auto insurance policy in place – Allowing your auto insurance policy to lapse can be a sure-fire way to drive up your policy premiums. And not only will your rates increase, failure to provide proof of insurance may result in fines and jail time. You will then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • How many coverages with the same company – Most major insurers apply lower prices to buyers that purchase more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be ten percent or more. If you currently are using one company, it’s in your best interest to compare other insurance prices to make sure you are getting the best deal.
  • Having a spouse can lower costs – Having a significant other can actually save you money on your policy. Having a spouse may mean you are more stable financially and insurance companies like that married drivers tend to file fewer claims.
  • Liability is important – The liability section of your policy will provide protection if ever you are determined to be liable for damages caused by your negligence. Liability insurance provides for a legal defense to defend your case. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Lower premiums by staying claim free – Auto insurance companies provide lower rates to drivers who only file infrequent claims. If you tend to file frequent claims, you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
  • Extra coverages you don’t need – There are quite a few add-on coverages that you can buy if you don’t pay attention. Insurance for things like rental car reimbursement, towing coverage, and term life insurance may be costing you every month. These may sound like a good investment when deciding what coverages you need, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Deter theft and pay less – Choosing a vehicle that has a built-in theft deterrent system can save you some money. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.

Don’t assume everyone needs the same insurance coverage

When buying the best insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • Do I have coverage when pulling a U-Haul trailer?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my insurance cover my expensive audio equipment?
  • Is extra glass coverage worth it?
  • Do I need replacement cost coverage on my 2018 Buick Regal TourX?
  • Where can I find high-risk insurance?
  • Why do I need rental car insurance?
  • Can I rent a car in Mexico?
  • Am I covered when using my vehicle for business?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Educate yourself about auto insurance coverages

Knowing the specifics of a auto insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on most auto insurance policies.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hitting a bird, falling objects and hail damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses like nursing services, doctor visits, funeral costs, pain medications and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2018 Buick Regal TourX.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

This coverage will pay to fix damage to your Regal TourX from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, hitting a mailbox, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for liability

This coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like legal defense fees, repair costs for stationary objects, loss of income, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Final considerations

Cheap 2018 Buick Regal TourX insurance is possible on the web as well as from independent agents, so get free insurance coverage quotes from both of them to have the best selection. Some companies don’t offer online quoting and many times these smaller companies provide coverage only through independent insurance agencies.

In this article, we presented a lot of techniques to reduce 2018 Buick Regal TourX insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best price on car insurance is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

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