2017 Buick Regal Insurance Quotes – 6 Tricks for Cheaper Rates

Paying for overpriced Buick Regal insurance can empty your savings and force you to cut corners elsewhere. Shopping your coverage around can help to reduce premiums and put more money in your pocket.

Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare insurers to get the lowest price

It is always a good idea to take a look at other company’s rates every six months because auto insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest price for Regal coverage a year ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to learn how to use online quotes to buy cheaper auto insurance.

If you currently have a car insurance policy, you will be able to save some money using these tips. Choosing the best insurance company for you is quite easy. But consumers can benefit from knowing the way companies sell online and take advantage of how the system works.

The quickest method we recommend to compare rates is to understand all the major auto insurance companies will pay a fee to quote your coverage. To get started, all you need to do is give them rating details including whether you are married, if it has an alarm system, how much you drive, and if a SR-22 is required. That rating data is instantly submitted to insurance carriers in your area and they respond with quotes instantly to find the best rate.

Can you really save if you switch?

Well-known car insurance companies like Progressive, Geico, Allstate and State Farm consistently run television, radio, and online ads. All the companies state the claim about saving some big amount if you change your coverage to them. It sounds good, but how can they all make the same claim? It’s all in the wording.

Insurance companies give the best rates for a prospective insured that earns them the most money. One example of a desirable risk might be between the ages of 30 and 50, carries high limits, and drives newer vehicles. A customer that hits that “sweet spot” will get a cheap rate quote and have a good chance to save some money.

Drivers who cannot meet those criteria may be forced to pay a more expensive rate and ends up with the customer not purchasing. The ads say “people that switch” but not “all drivers who get quotes” save that kind of money. That is how companies can lure you into getting a quote.

This illustrates why you really need to do a price quote comparison at every renewal. It’s just not possible to know which insurance companies will have the best prices for your profile.

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These six discounts can reduce auto insurance rates

Car insurance companies do not list all disounts in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find discounts that you can inquire about if you buy insurance coverage online. If you aren’t receiving every discount you qualify for, you could be getting lower rates.

• Telematics Devices – Drivers who agree to allow their insurance company to look at driving manner through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they are good drivers.
• New Car Discount – Insuring a new car can save up to 30% due to better safety requirements for new vehicles.
• Theft Deterent Discount – Cars equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
• Anti-lock Brake Discount – Vehicles that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
• Claim Free – Drivers with accident-free driving histories can earn big discounts as opposed to policyholders that have many claims.
• College Student Discount – Youth drivers who live away from home at college without a vehicle on campus could get you a discount.

A quick disclaimer, many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you can get free auto insurance, it’s just not the way it works. Any amount of discount will lower your overall premium however.

A few of the larger companies and some of their more popular discounts are detailed below.

• Geico offers discounts for anti-theft, multi-policy, emergency military deployment, air bags, military active duty, and anti-lock brakes.
• Mercury Insurance includes discounts for low natural disaster claims, ease of repair, anti-theft, accident-free, and annual mileage.
• Farmers Insurance may include discounts for homeowner, good student, multi-car, switch companies, and youthful driver.
• Auto-Owners Insurance may have discounts that include student away at school, multi-policy, paid in full, anti-lock brakes, anti-theft, and air bags.
• Liberty Mutual has savings for new vehicle discount, newly retired, safety features, new graduate, preferred payment discount, multi-car, and new move discount.
• SAFECO has discounts for bundle discounts, multi-car, teen safety rewards, teen safe driver, accident prevention training, and homeowner.
• Progressive offers premium reductions for online quote discount, homeowner, multi-policy, continuous coverage, multi-vehicle, online signing, and good student.
• USAA discounts include military installation, multi-vehicle, vehicle storage, new vehicle, defensive driver, and multi-policy.

If you want inexpensive insurance coverage quotes, ask every company which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in your area. To find companies that offer many of these discounts, click here.

When do I need an agent’s advice?

When buying the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

• Why is insurance for a teen driver so high?
• Am I insured when driving a different vehicle?
• Does my policy pay for OEM or aftermarket parts?
• Is my state a no-fault state?
• Should I buy full coverage?
• Is my trailer covered?
• Should I bundle my homeowners policy with my auto?
• If my 2017 Buick Regal is totaled, can I afford another vehicle?
• Can I drive in Mexico and have coverage?
• If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about 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.

Insurance policy coverages for a 2017 Buick Regal

Knowing the specifics of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like emergency aid, structural damage, medical expenses and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, falling objects, hitting a bird, theft and damage from getting keyed. 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 consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Buick Regal.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for nursing services, X-ray expenses, ambulance fees, EMT expenses and funeral costs. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage covers damage to your Regal from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, scraping a guard rail, driving through your garage door, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

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Have the Midas touch

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. Too many times, someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. The aim is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

We just covered many ideas to reduce 2017 Buick Regal insurance rates online. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from a smaller regional carrier. These companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm and Allstate.

Some companies don’t offer rates over the internet and most of the time these smaller providers sell through independent agents. The cheapest 2017 Buick Regal insurance can be sourced online as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates.

Much more information about insurance can be read on the following sites:

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Auto Insurance 101 (About.com)
• Safety Tips for Teen Drivers (Insurance Information Insitute)

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