1990 Buick Regal Insurance Quotes

Purchasing cheap insurance on the web may seem to be somewhat difficult for drivers new to quoting and online price comparisons. With literally dozens of insurers available, how are drivers able to have a chance to compare every possible option in order to find better rates?

You should take the time to get comparison quotes periodically because insurance prices change regularly. Even if you got the best deal for Regal coverage a few years ago you can probably find a better rate quote now. There is a lot of bad advice regarding insurance online, but I’m going to show you the easiest ways to buy insurance cheaper.

Use discounts to get cheaper insurance coverage rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that may help make it more affordable. Certain discounts will be applied at the time of purchase, but less common discounts must be asked for before they will apply. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

• Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could save up to 20% and get you cheaper car insurance.
• Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
• Driver Training Discounts – Participating in a class that teaches defensive driver techniques could earn you a small percentage discount and also improve your driving technique.
• More Vehicles More Savings – Drivers who insure all your vehicles on the same insurance coverage policy qualifies for this discount.
• Drive Safe and Save – Drivers without accidents can get discounts for up to 45% lower rates for Regal coverage than their less cautious counterparts.
• Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, you aren’t that lucky.

Popular insurance coverage companies and their possible discounts can be found below.

• Progressive may offer discounts for good student, continuous coverage, homeowner, online signing, and multi-vehicle.
• MetLife has discounts for good student, multi-policy, defensive driver, good driver, and claim-free.
• Mercury Insurance includes discounts for multi-car, good student, age of vehicle, low natural disaster claims, multi-policy, type of vehicle, and location of vehicle.
• Nationwide offers discounts including easy pay, business or organization, multi-policy, family plan, Farm Bureau membership, and accident-free.
• Geico discounts include five-year accident-free, driver training, daytime running lights, emergency military deployment, multi-policy, and federal employee.
• AAA may have discounts that include pay-in-full, education and occupation, multi-car, AAA membership discount, good driver, and good student.

If you want affordable car insurance quotes, ask every prospective company which discounts they offer. Some of the discounts discussed earlier might not be offered everywhere.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is no cookie cutter policy. Each situation is unique.

For instance, these questions could help you determine if your situation will benefit from professional help.

• Am I missing any policy discounts?
• Should I put collision coverage on all my vehicles?
• Will I lose any money if I cancel my policy before it expires?
• Is my 1990 Buick Regal covered for flood damage?
• Does my policy cover me when driving someone else’s vehicle?
• Can I rate high risk drivers on liability-only vehicles?
• Who is covered when they drive my 1990 Buick Regal?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

The ad said I’d save $403 a year!

Allstate and Progressive seem to constantly run ads in print and on television. All the ads advertise the message about saving some big amount just by moving your policy. How does every car insurance company charge you a lower premium? Here is the trick they use.

Car insurance companies offer their best rates for the type of driver that will be a good risk. An example of a desirable risk should be over age 30, carries full coverage, and drives a lower-performance vehicle. A customer getting a price quote that hits that “sweet spot” will get low premium rates and will save some money.

Potential customers who are not a match for the “perfect” profile may be required to pay a more expensive rate which leads to the customer not purchasing. If you pay attention, the ads say “drivers who switch” not “all people who quote” will save that much if they switch. That’s why companies can truthfully make claims that they all have the best prices.

Because each company has a different risk profile, drivers should compare many company’s prices. It’s impossible to know which car insurance company will fit your personal profile best.

Coverage specifics

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, damage from a tornado or hurricane and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses for EMT expenses, X-ray expenses, hospital visits and chiropractic care. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision protection

This coverage covers damage to your Regal resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like damaging your car on a curb, colliding with a tree, backing into a parked car, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair costs for stationary objects, emergency aid, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

What is YOUR best insurance company?

People who switch companies do it for a number of reasons such as poor customer service, questionable increases in premium, an unsatisfactory settlement offer or even high prices. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.

We’ve covered a lot of ways to save on 1990 Buick Regal insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the best price on insurance coverage is with a smaller regional carrier.

As you restructure your insurance plan, you should never buy less coverage just to save a little money. In many instances, consumers will sacrifice physical damage coverage and learned later that it was a big error on their part. Your goal should be to purchase plenty of coverage at an affordable rate.

Even more information is located in these articles:

• Rollover Crash FAQ (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)