Compare 1993 Buick Regal Insurance Rates

Looking for better car insurance rates for your Buick Regal? Pricey car insurance can eat up your family’s budget and force you to prioritize other expenses. Comparing rate quotes is recommended to tighten up your finances.

Online insurance companies like Progressive, Geico and Farmers Insurance all promote huge savings with catchy ads and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

You should make it a habit to quote other rates once or twice a year since insurance prices are constantly changing. Even if you got the best price on Regal coverage on your last policy the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use the internet to lower your annual insurance bill.

If you have car insurance now, you should be able to save some money using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. But drivers do need to learn the way companies market insurance on the web because it can help you find the best coverage.

Decisions you make can impact your insurance rates

Many things are part of the calculation when you get a price on insurance. Some factors are common sense such as traffic violations, although others are less apparent such as whether you are married or how safe your car is.When buying auto insurance it’s important to understand some of the elements that help determine auto insurance rates. If you know what influences your rates, this enables you to make decisions that may result in big savings.

• Older drivers are lower risk – Drivers with little experience tend to be easily distracted with other occupants in the car therefore auto insurance rates are much higher. Older drivers tend to be more responsible, file fewer claims and are safer drivers.
• Accidents will cost you – Your driving citation history can have a huge impact on auto insurance premiums. Drivers who don’t get tickets get better rates compared to drivers with tickets. Getting just one moving violation can bump up the cost forty percent or more. People who have dangerous citations such as reckless driving, hit and run or driving under the influence may be required to complete a SR-22 with their state’s licensing department in order to legally drive.
• Your vocation and auto insurance rates – Jobs such as real estate brokers, social workers and emergency personnel generally pay higher rates than the rest of us because of high stress and lots of time spent away from family. Conversely, careers such as scientists, engineers and performers generally pay rates lower than average on Regal coverage.
• Less chance of injury means lower auto insurance rates – Vehicles that have high safety ratings can get you lower premiums. The safest vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less money paid by your insurance company which can result in lower premiums. If the Buick Regal scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

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How to buy insurance

To find the best insurance rates, there are several ways to obtain and compare prices from all the different companies. One of the best ways to find affordable 1993 Buick Regal insurance rates is to use the internet to compare rates. It’s really quite simple and can be done using a couple different methods.

Probably the best way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This type of form prevents you from having to do separate quotation requests for each price estimate. One form submission will get you price quotes from all major companies.

A more time consuming way to compare rate quotes is to manually visit each company website to complete a price quote. For examples sake, we’ll pretend you want to compare prices for Geico, Farmers and GMAC. To get each rate you have to go to each individual site and enter your policy data, which can get old fast.

For a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just compare equivalent coverage limits on every quote you get. If you enter mixed coverages it’s impossible to determine which company has the best rates. Just slight variations in insurance coverages could skew the results. Just keep in mind that making a lot of price comparisons will enable you to find the best rates.

Do you qualify for discounts?

Companies don’t necessarily list the entire discount list very clearly, so the list below details some of the more common as well as the least known credits available to you. If you don’t get every credit you qualify for, you could be getting lower rates.

• Good Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% on Regal coverage than their less cautious counterparts.
• Fewer Miles Equal More Savings – Low annual miles can earn discounted prices on garaged vehicles.
• 55 and Retired – If you qualify as a senior citizen, you may be able to get a small discount on rates on Regal coverage.
• Seat Belts Save – Requiring all passengers to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.
• Active Service Discounts – Being on active duty in the military could be rewarded with lower car insurance rates.
• Early Signing – A few car insurance companies offer discounts for switching companies early. You may see this discount when you get insurance quotes online.
• Discounts for Multiple Vehicles – Buying insurance for multiple vehicles on a single policy can reduce the rates for all insured vehicles.
• E-sign – Some of the larger companies give back up to $50 just for signing your application digitally online.
• Life Insurance – Not all insurance carriers offer life insurance, but some may give you a lower price if you buy a life insurance policy as well.

As a sidenote, many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, that’s just not realistic.

Popular car insurance companies and some of the discounts are:

• State Farm offers premium reductions for driver’s education, multiple policy, passive restraint, accident-free, safe vehicle, good student, and Steer Clear safe driver discount.
• Esurance may include discounts for claim free, emergency road assistance, paid-in-full, anti-theft, online shopper, safety device, and Switch & Save.
• Progressive may offer discounts for homeowner, online quote discount, multi-vehicle, continuous coverage, and online signing.
• Liberty Mutual discounts include good student, new move discount, preferred payment discount, teen driver discount, and multi-policy.
• Auto-Owners Insurance has savings for group or association, good student, multiple vehicles, safe vehicle, teen driver, and mature driver.
• Geico has discounts for military active duty, five-year accident-free, good student, seat belt use, anti-lock brakes, membership and employees, and federal employee.

Before you buy a policy, ask each company which credits you are entitled to. Some discounts listed above may not apply to policies everywhere. To see a list of car insurance companies who offer online car insurance quotes, click here.

Don’t assume everyone needs the same insurance coverage

When choosing the right insurance coverage, there is no single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out if your situation will benefit from professional help.

• Does insurance cover tools stolen from my truck?
• Do I need roadside assistance coverage?
• When should my teen driver be added to my policy?
• Who is covered by my policy?
• Do I need special endorsements for business use of my vehicle?
• Do I have coverage when pulling a U-Haul trailer?
• Should I buy full coverage?
• Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

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Car insurance policy coverages for a Buick Regal

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on the average car insurance policy.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like EMT expenses, rehabilitation expenses and hospital visits. The coverages can be used in conjunction with a health insurance policy 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. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – This coverage pays to fix your vehicle from 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 claims such as a tree branch falling on your vehicle, rock chips in glass, a broken windshield, hitting a deer and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability – Liability coverage will cover damage or injury you incur to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as legal defense fees, attorney fees, emergency aid, court costs and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured and underinsured coverage – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Buick Regal.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverages – This pays for damage to your Regal caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, hitting a parking meter, crashing into a ditch, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Take this to the bank

We just showed you a lot of information how to shop for 1993 Buick Regal insurance online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your premium rates. Consumers may even find the lowest car insurance rates come from the least-expected company. These smaller insurers may have significantly lower premium rates on certain market segments than their larger competitors like Allstate and Progressive.

When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at the lowest possible cost, not the least amount of coverage.

For more information, take a look at these articles:

• Young Drivers: The High Risk Years Video (iihs.org)
• Vehicle Insurance (Wikipedia)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)

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