2018 Buick Regal Insurance Rates – 7 Tips for Cheaper Quotes

Buyers have a choice when searching for the lowest priced Buick Regal insurance. They can either waste time driving around to compare prices or use the internet to find the lowest rates.

There are both good and bad ways to buy insurance so we’re going to tell you the absolute fastest way to compare rates for your Buick and find the best price possible either online or from local insurance agents.

It’s a good idea to price shop coverage yearly because rates tend to go up over time. Just because you had the best rate on Regal coverage at your last renewal you may be paying too much now. You can find a lot of information about insurance online, but by reading this article, you’re going to learn the easiest ways to find cheap insurance.

If you are insured now or need a new policy, you can follow these tips to reduce the price you pay and still get good coverage. This article will help you learn how car insurance quotes work. Vehicle owners just need to learn the most effective way to compare price quotes over the internet.

The most recommended method to get policy rate comparisons is to realize almost all companies will pay a fee to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a small amount of information like the make and model of your vehicles, your occupation, coverage limits, and if you are currently licensed. Your details is automatically sent to insurance carriers in your area and they provide comparison quotes quickly.

To find lower rates now, click here and complete the form.

Car insurance myths debunked

Consumers constantly see and hear ads for the lowest price car insurance from companies such as State Farm and Allstate. They all make the point about how much you will save if you change your coverage to them.

How does every company claim to save you money? This is the way they can do it.

Insurance providers have an ideal profile for the right customer that will not have excessive claims. For example, a profitable customer may need to be between 25 and 40, carries high limits, and drives a vehicle with a low ISO rating. A customer getting a price quote that meets those criteria will get very good rates and is almost guaranteed to save a lot if they switch.

Drivers who do not match these stringent criteria will probably be forced to pay a higher premium and this can result in the customer not purchasing. The trick is to say “drivers who switch” but not “everyone who gets a quote” save that much when switching. That’s the way companies can truthfully make claims that they all have the best prices.

Because every company is different, you need to do a quote comparison often. Because you cannot predict the company that will have the best premium rates.

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Are you qualifying for every discount?

Car insurance companies do not advertise every available discount in a way that’s easy to find, so the following is a list of a few of the more well known as well as the least known discounts that may be available. If you’re not getting every credit you qualify for, you may be paying too high a price.

• Defensive Driver – Taking part in a safe driver course is a good idea and can lower rates if your company offers it.
• Telematics Discount – Insureds who allow driving data submission to spy on when and where they use their vehicle remotely such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as the data is positive.
• Braking Control Discount – Cars with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.
• Discount for Passive Restraints – Factory air bags can qualify for discounts of up to 25% or more.
• Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get lower insurance coveragerates on the low mileage vehicles.
• Early Payment Discounts – By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.
• Seat Belt Discounts – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more on medical payment and PIP coverage.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But all discounts will bring down the amount you pay for coverage.

The best insurance coverage companies and a selection of discounts are detailed below.

• State Farm policyholders can earn discounts including defensive driving training, good driver, good student, student away at school, and safe vehicle.
• Liberty Mutual may offer discounts for multi-policy, preferred payment discount, teen driver discount, exclusive group savings, and new move discount.
• American Family discounts include defensive driver, TimeAway discount, early bird, accident-free, and Steer into Savings.
• Progressive offers premium reductions for good student, online signing, multi-policy, online quote discount, homeowner, and continuous coverage.
• Farmers Insurance has savings for electronic funds transfer, teen driver, switch companies, bundle discounts, and mature driver.
• Auto-Owners Insurance has discounts for group or association, student away at school, safe vehicle, anti-lock brakes, multi-policy, paid in full, and paperless.
• SAFECO offers discounts including drive less, multi-car, safe driver, anti-theft, and homeowner.

Check with each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered in every state. To choose companies with significant discounts, click this link.

When in doubt talk to an agent

When buying the best insurance coverage coverage, there really is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

• Does insurance cover tools stolen from my truck?
• What is an SR-22 filing?
• Is a new car covered when I drive it off the dealer lot?
• How can I get my company to pay me more for my totalled car?
• What is no-fault insurance?
• Do I need medical payments coverage since I have good health insurance?
• How much liability coverage do I need in my state?
• Am I covered if I drive in a foreign country?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Learning about specific coverages of insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills like rehabilitation expenses, X-ray expenses, doctor visits and surgery. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage covers damage to your Regal from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

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

Comprehensive can pay for claims such as a tree branch falling on your vehicle, falling objects, damage from getting keyed and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

This provides protection from injuries or damage you cause to other people or property. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, medical services and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Buick Regal.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

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Have money to burn

Some insurance providers do not offer internet price quotes and most of the time these smaller companies only sell through independent insurance agencies. Budget-friendly auto insurance is definitely available on the web and from local insurance agents, so you need to compare both to have the best rate selection.

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits only to regret they didn’t have enough coverage. Your objective should be to get the best coverage possible at an affordable rate and still be able to protect your assets.

We just presented quite a bit of information on how to compare 2018 Buick Regal insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheaper car insurance. Consumers may even find the best premium rates are with a small mutual company.

To read more, feel free to browse these articles:

• What is Gap Insurance? (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Where can I buy Insurance? (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• What to do at the Scene of an Accident (Insurance Information Insitute)

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