1991 Buick Regal Car Insurance Rates

Buying discount insurance coverage on the web might seem overwhelming for people that are relatively new to comparing prices online. With so many agents and insurers available, how are people expected to effectively compare every insurance coverage company to find cheaper insurance coverage prices?

Consumers need to get comparison quotes at least once a year because prices go up and down regularly. Despite the fact that you may have had the lowest quotes for Regal insurance a year ago there is a good chance you can find better rates now. You can find a lot of information about insurance coverage on the internet, but you can learn some excellent ideas to reduce your insurance coverage bill.

If you currently have car insurance, you will be able to cut costs considerably using this strategy. This information will help you learn how to get online quotes. Although car owners can benefit by having an understanding of how the larger insurance companies market on the web.

Don’t overlook these auto insurance discounts

Insuring your fleet can be pricey, but you may be missing some discounts that can dramatically reduce your bill. Most are applied at quote time, but some may not be applied and must be requested specifically before you will receive the discount.

• Claim-Free Discount – Drivers who don’t have accidents can earn big discounts in comparison to accident-prone drivers.
• Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
• Discount for Multiple Policies – If you have multiple policies with one company you will save at least 10 to 15 percent or more.
• Paperless Signup – Many insurance companies will provide an incentive for signing up on your computer.
• Government Employee Discount – Being employed by or retired from a federal job can save as much as 8% for Regal insurance depending on your company.

Consumers should know that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Auto insurance companies that may offer some of the above discounts are:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

When comparing rates, check with every company how you can save money. All car insurance discounts may not be offered in your area.

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How to shop car insurance online

There are a lot of ways you can shop for car insurance but some are less time-consuming than others. You could waste time discussing policy coverages with insurance agencies in your area, or you could use the internet to maximize your effort.

Many insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company then returns a price quote based on that information. This saves time by eliminating form submissions for every car insurance company.

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

The only drawback to using this type of system is you are unable to specify which providers to get pricing from. So if you want to choose individual companies to request quotes from, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but be sure you’re using the same quote information for each comparison quote. If each company quotes different coverage information it will be nearly impossible to make a fair rate comparison. Slightly different coverages could mean much higher rates. Just remember that comparing more company’s prices will enable you to find a lower rate than you’re paying now.

Why you might pay lower rates

Many different elements are used when quoting car insurance. A few of the factors are predictable such as your driving record, although others are more transparent such as your credit history and annual miles driven.

The factors shown below are some of the major factors used by insurance companies to determine prices.

• Do you work long hours in a tough job? – Jobs such as military generals, business owners and financial analysts tend to pay higher rates than the rest of us because of high stress and lengthy work days. Other careers like professors, athletes and retirees get better rates for Regal insurance.
• Avoid unnecessary extra coverages – There are quite a few extra add-on coverages that can waste your money when buying auto insurance. Add-on coverages like personal injury protection, accident forgiveness, and extra life insurance coverage may not be needed and are just wasting money. These may sound like a good investment when discussing your needs, but if you have no use for them eliminate them to save money.
• Drive fewer miles and save – Driving a lot of miles every year the more you’ll pay to insure your vehicle. A lot of companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates than those that get driven frequently. An improperly rated Regal is throwing money out the window. It’s a smart idea to ensure your auto insurance policy reflects the correct driver usage, because it can save money.
• Are you male or female? – Over the last 30 years, statistics show females are less aggressive when driving. However, this does not mean females are better drivers. Men and women cause fender benders at about the same rate, but males get into accidents with more damage. Men also get higher numbers of serious violations such as DWI and reckless driving.
• Your location is important – Having an address in less populated areas of the country is a positive aspect when it comes to auto insurance. People who live in big cities have to deal with much more traffic and longer commutes to work. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates.
• Higher rates for policy lapses – Driving your car without having proper coverage is a misdemeanor and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.
• Lower rates with a multi-policy discount – Most major auto insurance companies will give discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. The discount can be ten or even fifteen percent. Even if you already get this discount, it’s always a smart idea to shop around to verify if the discount is saving money.

When to get professional advice

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can help discover whether your personal situation may require specific advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Is pleasure use cheaper than using my 1991 Buick Regal to commute?
• Should I buy full coverage?
• Who is covered by my policy?
• Do I really need UM/UIM coverage?
• What is high-risk coverage and where do I buy it?
• Is other people’s property covered if stolen from my vehicle?
• Does car insurance cover theft of personal property?
• Do I need motorclub coverage?
• What is medical payments coverage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

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Save $491 a year? Really?

Insurance companies such as State Farm, Allstate and Geico constantly bombard you with ads on television and other media. They all convey the message that you’ll save big just by switching your insurance policy to them. How does every company cost less than your current company? It’s all in the words they use.

Many companies quote their cheapest rates for the type of customer that will add to their bottom line. For instance, a desirable risk might be described as married and over the age of 30, carries full coverage, and has a high credit rating. A customer getting a price quote that fits those parameters will get the preferred rates and have a good chance to cut their rates if they switch.

Potential insureds who fall outside those criteria will be quoted higher premium rates and this can result in business not being written. If you pay attention, the ads say “drivers that switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way companies can truthfully make it sound like they have such great premium rates. Because every company is different, it’s extremely important to get a wide range of price quotes. It is just not possible to predict the company that will have better car insurance rates than you’re paying now.

Learn about auto insurance coverages for a Buick Regal

Knowing the specifics of auto insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Buick Regal.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, theft, fire damage, vandalism and hail damage. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

This coverage protects you from damages or injuries you inflict on a person or their property. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like bail bonds, pain and suffering and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Regal from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, hospital visits, EMT expenses, surgery and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Shop around and save

In this article, we presented some good ideas how to shop for 1991 Buick Regal insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the most savings is with the least-expected company.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, policy non-renewal, poor customer service and an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.

As you quote auto insurance, don’t be tempted to reduce needed coverages to save money. In too many instances, someone dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at the best price, not the least amount of coverage.

To read more, take a look at these articles:

• Vehicle Insurance (Wikipedia)
• Auto Insurance FAQ (Farmers Insurance)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• Airbag FAQ (iihs.org)

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