How Much Does 1994 Buick Regal Car Insurance Cost?

Looking for better auto insurance rates? Shoppers have options when shopping for the lowest priced Buick Regal insurance. You can either waste hours calling around getting price quotes or leverage the internet to get rate quotes.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to get price quotes for a Buick and get the cheapest rates.

This information will let you in on how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these techniques. Drivers only need to know the tricks to compare rates online.

How to get free insurance coverage quotes online

Getting a more affordable price on 1994 Buick Regal insurance is a fairly straight forward process. Just take a few minutes comparing rates to find the company with affordable car insurance quotes. Insurance prices can be quoted in just a few minutes using one of these methods.

  1. Hands down the most simple method consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This method eliminates the need for boring form submissions for every company. Filling out one form will get you price quotes from several companies. Recommended for those who want to invest the least amount of time.
  2. A different way to find more affordable insurance requires a visit to the website for each individual company and repeat the quote process. For instance, let’s assume you want comparison quotes from State Farm, Liberty Mutual and Travelers. In order to compare rates, you need to go to each individual site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

You can use whichever method you prefer to find lower rates, just ensure you’re using nearly identical information on every price quote you get. If you compare higher or lower deductibles it will be impossible to determine which company has the best rates.

Get lower rates with these insurance discounts

Insurance is not an enjoyable expense, but you can get discounts that you may not know about. Many of these discounts will be applied automatically when you quote, but a few need to be manually applied in order for you to get them.

  • Defensive Driving Course – Taking time to complete a defensive driving course could earn you a small percentage discount and make you a better driver.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
  • Onboard Data Collection – Insureds that choose to allow their insurance company to study their driving habits by using a telematics device in their vehicle like Allstate’s Drivewise could see a rate decrease if they have good driving habits.
  • Accident Forgiveness Coverage – Not a discount per se, but companies like Allstate, State Farm and GEICO allow you one accident before your rates go up so long as you are claim-free for a certain period of time.
  • Multiple Policy Discount – If you combine your home and auto policies and place coverage with the same company they may give you a discount of at least 10 to 15 percent or more.
  • Student Discount for Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Early Renewal Discounts – Some larger companies provide a discount for buying a new policy early. This discount can save up to 10%.

Don’t be shocked that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. So even though you would think you can get free auto insurance, it just doesn’t work that way.

Companies and a selection of discounts are:

  • AAA may have discounts that include anti-theft, multi-car, pay-in-full, good driver, education and occupation, and good student.
  • Progressive includes discounts for good student, homeowner, multi-vehicle, online quote discount, online signing, continuous coverage, and multi-policy.
  • State Farm offers discounts including multiple policy, accident-free, driver’s education, student away at school, and passive restraint.
  • Esurance may include discounts for multi-policy, homeowner, good driver, claim free, and multi-car.
  • Nationwide policyholders can earn discounts including family plan, business or organization, anti-theft, multi-policy, accident-free, and Farm Bureau membership.

If you need inexpensive car insurance quotes, ask every prospective company which discounts can lower your rates. Depending on the company, some discounts might not be available to policyholders in your area.

Car insurance can get complicated

When it comes to buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For example, these questions might help in determining whether you would benefit from an agent’s advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • What if I owe more than I can insure my car for?
  • Can I drive in Mexico and have coverage?
  • Am I covered when driving someone else’s vehicle?
  • Exactly who is provided coverage by my policy?
  • What are the best liability limits?
  • What is the difference between comprehensive and collision coverage?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Choices you make can impact your insurance rates

An important part of buying insurance is that you know the rating factors that help determine your insurance rates. If you have a feel for what impacts premium levels, this helps enable you to make changes that can help you get lower premium levels.

  • Married people drive safer – Having a significant other may cut your premiums when shopping for insurance. Having a spouse generally demonstrates drivers are more stable financially and it’s statistically proven that married drivers tend to file fewer claims.
  • Employer stress can make you pay more – Do you work in a high-stress field? Jobs such as judges, business owners and stock brokers are shown to have higher rates than average in part from high stress and lots of time spent away from family. On the other hand, careers like professors, historians and performers pay the least for Regal coverage.
  • Younger drivers pay higher premiums – Older insureds are more cautious drivers, are lower risk to insure and get fewer tickets.Young drivers are known to be inattentive and easily distracted when driving therefore insurance rates are much higher.
  • Annual mileage and car insurance costs – Driving more miles in a year’s time the more you will pay for insurance. Many insurance companies charge rates based upon how you use the vehicle. Autos that do not get driven very much receive better premium rates than vehicles that are driven to work every day. Double check that your vehicle rating is showing the correct usage. Having the wrong rating on your Regal is just wasting money.
  • Car plus home equals more savings – Most insurance companies will give lower prices to people who have multiple policies with them. It’s known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even with this discount applied, drivers will still want to compare other company rates to guarantee you are still saving the most. You may still be able to find a better deal by splitting coverages up.
  • Pay more by driving carelessly – Just one citation can increase rates by as much as thirty percent. Attentive drivers get better rates than bad drivers. Drivers who get multiple citations like DUI, reckless driving or excessive speeding are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent their license from being revoked.
  • Your address can affect rates – Residing in small towns and rural areas is a positive aspect when talking about insurance. People who live in big cities tend to have more road rage incidents and a longer drive to work. Less people living in that area corresponds to lower accident rates in addition to fewer liability claims.
  • Lower premiums for safer vehicles – Vehicles with high crash test scores tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and reduced instances of injuries translates into savings for insurance companies and cheaper rates on your policy. If your Buick Regal is rated at a minimum four stars on it is probably cheaper to insure.

Insurance specifics

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision insurance

Collision insurance covers damage to your Regal resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, rolling your car, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.


This protects you from damage that occurs to other’s property or people. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like repair costs for stationary objects, repair bills for other people’s vehicles, funeral expenses and structural damage. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, damage from flooding and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 1994 Buick Regal.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills for things like pain medications, chiropractic care, doctor visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

In conclusion

When searching for cheap car insurance quotes, you should never buy less coverage just to save a little money. There are many occasions where someone dropped uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the best cost while not skimping on critical coverages.

A few companies may not offer online quoting and most of the time these smaller companies only sell coverage through local independent agents. Cheap 1994 Buick Regal insurance can be sourced on the web as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.

People who switch companies do it for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, extreme rates for teen drivers or delays in paying claims. Whatever your reason, choosing a new insurance company can be less work than you think.

Additional insurance coverage information is located below: