How Much Does 1998 Buick Regal Insurance Cost?

Wish you could get a refund on an overpriced insurance coverage policy? Don’t feel bad because many consumers feel financially strained by their insurance coverage policy.

Insurance companies such as State Farm, GEICO and Farmers Insurance constantly blast consumers with ad campaigns and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

You should take the time to do price comparisons occasionally because insurance coverage rates fluctuate regularly. Just because you found the best premium rates for Regal coverage six months ago a different company probably has better prices today. There are lots of tips to save on insurance coverage on the web, but in just a couple of minutes you can learn some great ideas on how to slash your insurance coverage rates.

How to shop insurance online

Most major insurance companies allow consumers to get coverage prices direct online. Getting online quotes is quite simple as you just enter as detailed in the form. Behind the scenes, their system requests reports for credit and driving violations and generates pricing information determined by many factors. Quoting online makes comparing rates easy, but the process of having to visit a lot of sites and type in the same information can be a bit repetitive. But it’s also necessary to have as many quotes as possible if you want to find the lowest insurance rates.

There is a better way to compare rates

The easiest way to find lower prices uses one simple form to return rates from multiple companies. The form is fast, requires less work, and makes online quotes much easier to do. After your information is entered, your coverage is rated with multiple companies and you can pick your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

If you want to compare rates now, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you input as shown on your current policy. This ensures you will receive a rate comparison for similar insurance coverage.

Find discounts to get cheap auto insurance quotes

The price of auto insurance can be rather high, but there are discounts available that many people don’t even know exist. Some discounts will apply at the time you complete a quote, but some need to be specifically requested before you will receive the discount.

  • Safety Restraint Discount – Requiring all passengers to buckle up before driving can save 10% or more off the medical payments premium.
  • Buy New and Save – Insuring a vehicle that is new can save you some money because newer models keep occupants safer.
  • Government Employees – Simply working for the federal government could qualify for a slight premium decrease for Regal coverage with certain companies.
  • Memberships – Participating in a qualifying organization could trigger savings on your next renewal.
  • Military Deployment Discount – Being on active duty in the military could be rewarded with lower auto insurance rates.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. Most only reduce individual premiums such as comprehensive or collision. Despite the appearance that you could get a free auto insurance policy, you won’t be that lucky.

The best auto insurance companies and a selection of discounts are included below.

  • GEICO offers premium reductions for multi-policy, driver training, good student, defensive driver, and five-year accident-free.
  • Travelers includes discounts for early quote, new car, multi-car, continuous insurance, student away at school, home ownership, and save driver.
  • Farm Bureau discounts include driver training, multi-policy, safe driver, renewal discount, good student, 55 and retired, and multi-vehicle.
  • Liberty Mutual offers discounts for safety features, new graduate, multi-car, teen driver discount, exclusive group savings, new move discount, and multi-policy.
  • American Family may include discounts for mySafetyValet, early bird, bundled insurance, good driver, multi-vehicle, and defensive driver.
  • Progressive may have discounts that include online quote discount, good student, multi-vehicle, multi-policy, continuous coverage, online signing, and homeowner.

When getting free car insurance quotes, it’s a good idea to every insurance company which discounts they offer. Some discounts might not be available to policyholders in every state.

Tailor your insurance coverage to you

When buying the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For example, these questions can aid in determining whether or not you will benefit from professional help.

  • Does my insurance cover a custom paint job?
  • Can I get a multi-policy discount?
  • Do I need rental car coverage?
  • Is business property covered if stolen from my car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When should I remove comp and collision on my 1998 Buick Regal?
  • Am I getting all the discounts available?
  • Can I still get insurance after a DUI?
  • Why am I required to get a high-risk car insurance policy?
  • How do I buy GAP insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages 101

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses for pain medications, chiropractic care, EMT expenses, dental work and surgery. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability auto insurance

This protects you from damages or injuries you inflict on people or other property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like bail bonds, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, falling objects, hail damage, fire damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Buick Regal.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

Collision insurance pays for damage to your Regal caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, rolling your car, hitting a mailbox, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.