Cheap 1997 Buick Regal Insurance Rates

Have you had enough of being strong-armed to insure your Buick every month? You are no different than the majority of other people.

Companies like State Farm, Progressive and Geico increase brand awareness with advertising and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Buying car insurance is quite easy. Although drivers must learn how insurance companies sell online and take advantage of how the system works.

Four tips to get cheaper insurance premiums

It’s important that you understand some of the factors that play a part in calculating auto insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that can help you get much lower annual insurance costs.

• More traffic means higher claims – Living in less populated areas may provide you with better prices when trying to find low car insurance rates. Fewer drivers and short commutes means less chance of accidents as well as less vandalism and auto theft. Drivers in populated areas tend to have much more traffic and higher rates of accident claims. More time on the road means more chances of being involved in an auto accident.
• Getting married reduces risk – Having a wife or husband can actually save you money compared to being single. Having a significant other means you’re more mature and responsible and insurance companies reward insureds because drivers who are married are more cautious.
• Save money with higher coverage deductibles – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Buick. Some coverage claims are collision with another vehicle, hail damage, and windstorm damage. Comp and collision deductibles tell how much you are willing to pay out-of-pocket if a claim is determined to be covered. The more damage repair cost the insured has to pay upfront, the less money you will pay for auto insurance on Regal coverage.
• Teenagers are high risk – Older drivers are shown to be more cautious, statistically cause fewer accidents .Young drivers are proven to be easily distracted in a vehicle and because of this, their auto insurance rates are much higher.

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Affordable insurance

There are several ways to compare insurance prices and some are easier and takes less work. You could spend your day discussing policy coverages with agents in your area, or you can utilize the web to get prices fast.

Most of the best insurance companies belong to a marketplace where insurance shoppers complete one form, and each participating company can give them a price for coverage. This eliminates the need for form submissions to every company. To get comparison pricing now click here to start a free quote.

The single downside to doing it this way is you are unable to specify which companies to receive prices from. So if you want to select from a list of companies to compare, we have a page of low cost insurance companies in your area. View list of insurance companies.

Compare rates however you want, just ensure you are comparing nearly identical quote information for each quote you get. If you compare different data it will be impossible to make a fair rate comparison. Even a minor difference in coverage limits can mean a large discrepancy in price. Keep in mind that comparing more company’s prices gives you a better chance of getting more affordable rates. Not every company allows you to get rate quotes online, so you also need to get rates from those companies as well.

Take policy discounts and save

Car insurance companies don’t necessarily list the complete list of policy discounts very clearly, so we researched both the well known and also the lesser-known credits available to lower your premiums when you buy car insurance online. If you check and find you aren’t receiving every discount possible, you could be getting lower rates.

• Braking Control Discount – Cars and trucks that have anti-lock braking systems can avoid accidents and will save you 10% or more.
• Active Military Service – Being on active duty in the military could trigger a small discount.
• Save with a New Car – Buying a new car instead of a used car can save up to 30% due to better safety requirements for new model year vehicles.
• Pay Now and Pay Less – By paying your policy upfront instead of paying each month you may reduce your total bill.
• Safety Restraint Discount – Forcing all vehicle occupants to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
• Federal Government Employee – Simply working for the federal government could cut as much as 10% off on Regal coverage with certain companies.
• Mature Driver Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Regal coverage.
• Low Mileage Discounts – Driving fewer miles may enable drivers to earn discounted prices on garaged vehicles.
• Discount for Home Ownership – Being a homeowner can save you money since home ownership requires a higher level of personal finance.

As a sidenote, most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will cut your auto insurance premiums.

To view insurance companies that offer the discounts shown above, follow this link.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage, there is no cookie cutter policy. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

• What is PIP insurance?
• What exactly is covered by my policy?
• Is business property covered if stolen from my car?
• Is pleasure use cheaper than using my 1997 Buick Regal to commute?
• How can I get high-risk coverage after a DUI?
• Is my ex-spouse still covered by my policy?
• Am I getting all the discounts available?
• Does coverage extend to Mexico or Canada?
• Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

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Insurance coverages and their meanings

Knowing the specifics of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Buick Regal.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from getting keyed, hitting a bird and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like EMT expenses, chiropractic care and dental work. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, loss of income, repair bills for other people’s vehicles, funeral expenses and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This coverage will pay to fix damage to your Regal caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, colliding with a tree, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

In the end, you save

We just showed you many tips how you can reduce 1997 Buick Regal insurance premium rates online. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding inexpensive car insurance. Drivers may discover the best price on insurance coverage is with a small mutual company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Geico and State Farm.

Cheaper 1997 Buick Regal insurance is attainable from both online companies and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies may not provide price quotes online and these small, regional companies sell through independent agents.

For more information, take a look at these articles:

• Collision Insurance Coverage (Nationwide)
• Should I Buy a New or Used Car? (Allstate)
• Side Impact Crash Tests (iihs.org)
• State Car Insurance Guides (Geico)

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