Trying to find cheaper insurance rates for your Buick Regal? There isn’t anyone who fancies paying their premiums for insurance, especially when they are paying too much.
Lots of insurance companies contend for your hard-earned dollar, so it’s not easy to compare every insurance company to find the absolute best rates possible.
You need to do rate comparisons once or twice a year because insurance prices are variable and change quite frequently. Despite the fact that you may have had the best price for Regal coverage a few years ago a different company probably has better rates today. There are a lot of ways to save on insurance online, but in a few minutes you can learn a lot of great tips on how to save money.
If you currently have car insurance, you should be able to cut costs considerably using these methods. Finding affordable coverage is not rocket science. But vehicle owners must learn how the larger insurance companies sell insurance online.
There are multiple methods to compare auto insurance quotes, but one way is less time-consuming than others. You can waste hours talking about coverages with local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.
Most car insurance companies take part in a program where insurance shoppers enter their coverage request one time, and every company can provide price quotes based on that data. This prevents consumers from doing quote forms for each company you want a rate for. To access this free quoting program, click here to start a free quote.
The one downside to pricing coverage this way is you are unable to specify which companies to receive prices from. So if you want to choose individual companies for rate comparison, we have a listing of auto insurance companies in your area. Click to view list.
Compare rates however you want, just make darn sure you compare apples-to-apples deductibles and coverage limits with each company. If your comparisons have different data it will be impossible to find the best deal for your Buick Regal. Just a small difference in coverage limits can result in a big premium difference. Keep in mind that making a lot of price comparisons will increase your chances of finding a better price.
Insurance can cost an arm and a leg, but you might find some hidden discounts that can drop the cost substantially. Most are applied at the time of purchase, but a few need to be asked about before you will receive the discount.
As is typical with insurance, some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, that’s just not realistic.
Companies and some of the premium reductions they offer are:
When getting free insurance coverage quotes, it’s a good idea to every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not apply in your area. For a list of companies who offer free insurance coverage quotes, follow this link.
When choosing coverage, there is no cookie cutter policy. Each situation is unique so this has to be addressed. For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
Learning about specific coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.
Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as hitting a bird, vandalism, hitting a deer and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Liability coverages – Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for things such as pain and suffering, court costs, legal defense fees and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like surgery, chiropractic care, ambulance fees, pain medications and dental work. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision – This coverage pays for damage to your Regal from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like driving through your garage door, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.