1999 Buick Regal Insurance Quotes

Searching for better auto insurance rates for your Buick Regal? Paying for expensive Buick Regal insurance can dwindle your monthly budget and possibly require you to analyze your spending habits. Shopping your coverage around is a fast and free way to lower your bills every month.

Vehicle owners have many auto insurance companies to pick from, and though it is a good thing to be able to choose, so many choices can make it hard to compare rates.

Finding the best rates is easy if you know what you’re doing. If you have a current car insurance policy or need new coverage, you can learn to get lower rates and possibly find even better coverage. Drivers just need to learn the proper methods to buy car insurance online.

Car insurance rates and discounts

Companies do not list all their discounts very well, so we researched a few of the more well known and also the more inconspicuous discounts that you may qualify for.

• Military Deployment Discount – Being on active deployment in the military can result in better prices.
• Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
• Save with More Vehicles Insured – Drivers who insure primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
• Senior Discount – If you qualify as a senior citizen, you may be able to get better car insurance rates for Regal coverage.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive so you can save 10 percent or more.
• Driver Education Discount – Teen drivers should complete a driver education course as it can save substantially.
• Resident Student – Kids who are enrolled in a college that is more than 100 miles from home and don’t have a car may be able to be covered for less.
• Discounts for New Vehicles – Buying a new car model can cost up to 25% less since newer models have better safety ratings.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most cut individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But any discount should help lower the premium cost.

Some companies who may offer these money-saving discounts include:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

If you need lower rates, check with all the companies how many discounts you can get. A few discounts might not be available to policyholders in your area. To view providers with the best discounts, follow this link.

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How insurance providers calculate Buick Regal insurance costs

Lots of things are used when quoting car insurance. Some of the criteria are obvious such as your driving history, but others are less apparent such as your credit history and annual miles driven.

• Single drivers may get higher rates – Being married can get you a discount on your auto insurance bill. Having a significant other translates into being more financially stable and insurance companies like that being married results in fewer claims.
• Incidental coverages may not be needed – There are quite a few extra bells and whistles that you can get tricked into buying on your auto insurance policy. Insurance for things like coverage for rental cars, accident forgiveness, and extra life insurance coverage may not be needed and are just wasting money. These coverages may sound good when you first buy your policy, but your needs may have changed so think about removing them and cutting costs.
• Continuous coverage lowers rates – Driving your car without having proper coverage is not a good idea and as a result your rates will increase for letting your insurance expire. Not only will rates go up, not being able to provide proof of insurance might get you fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
• Bad credit hurts insurance costs – Having a good credit rating is a big factor in calculating your auto insurance rates. If your credit history could use some work, you may save money insuring your 1999 Buick Regal by improving your rating. People with very high credit ratings tend to be more responsible and file fewer claims than drivers with lower credit ratings.
• Gender matters – Statistics demonstrate that females tend to be a little less risky than males. However, this does not mean males are worse at driving than females. Both genders get in auto accidents at about the same rate, but males get into accidents with more damage. They also have more aggressive citations like driving under the influence (DUI). Youthful male drivers have the highest risk to insure and are penalized with high auto insurance rates.
• Buy a safe car and pay less – Vehicles with high crash test scores get lower rates. Vehicles built for safety reduce the chance of injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Buick Regal scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
• Premiums are high for teenagers – Teenage drivers are known to be less responsible when at the wheel of a vehicle so they pay higher auto insurance rates. More mature drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
• Save money by raising physical damage deductibles – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Buick from damage. Some instances where coverage would apply would be a broken side mirror, damage from fire, and burglary. The deductibles you choose define the amount you are required to pay if the claim is covered. The more of the claim the insured is willing to pay, the lower your rates will be for Regal coverage.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help you determine if your insurance needs will benefit from professional help.

• Do I need more liability coverage?
• Can I afford to pay high deductible claims out of pocket?
• When should I buy a commercial auto policy?
• Does medical payments coverage apply to all occupants?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I need medical payments coverage since I have good health insurance?
• Is business equipment covered while in my vehicle?
• If I drive on a suspended license am I covered?
• How do I insure my teen driver?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Coverage specifics

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, dental work, hospital visits, funeral costs and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a deer, rock chips in glass and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Liability auto insurance

Liability coverage protects you from damage that occurs to a person or their property. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Buick Regal.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

In any little way, save everyday

Some car insurance companies do not provide online price quotes and most of the time these small insurance companies prefer to sell through local independent agents. Cheaper 1999 Buick Regal insurance can be found online and with local insurance agents, so compare prices from both to have the best rate selection.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, an accident victim reduced liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

More resources

• Understanding your Policy (NAIC.org)
• Neck Injury FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Driving in Bad Weather (Insurance Information Insitute)

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