View 2002 Buick Regal Insurance Quotes

Want cheaper car insurance rates? Drivers have many options when trying to find the best price on Buick Regal insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to compare rates.

There is a right way and a wrong way to shop for car insurance and you need to know the best way to quote coverages on a Buick and obtain the lowest possible price.

Insurance premiums are influenced by these factors

Smart consumers have a good feel for some of the factors that aid in calculating your car insurance rates. If you know what impacts premium levels, this empowers consumers to make smart changes that will entitle you to big savings.

• Multiple policies with one company can save – Lots of car insurance companies give discounts to buyers that purchase more than one policy in the form of a multi-policy discount. The discount can be 10 percent or more. If you currently are using one company, you may still want to compare other insurance prices to ensure the best deal.
• More traffic means higher claims – Being located in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Fewer drivers and short commutes translates into fewer accident claims. People who live in big cities have more aggressive driving styles and longer commutes to work. The longer drive time can result in more accidents.
• Drive lots and pay more – The more you drive in a year the more it will cost to insure it. Most insurance companies calculate rates based upon how you use the vehicle. Cars used primarily for pleasure use can get a lower rate than cars that get driven a lot. Double check that your car insurance policy correctly shows the correct driver usage, because improper ratings can cost you money. Improper usage on your Regal can result in significantly higher rates.
• Premiums are affected by your credit score – Having a bad credit score factor in determining what you pay for car insurance. If your credit is low, you could save money insuring your 2002 Buick Regal by spending a little time repairing your credit. Drivers who have very high credit ratings tend to be more responsible than drivers with poor credit scores.
• Car insurance rates may be lower depending on your employer – Did you know your job can affect your rates? Careers such as doctors, business owners and miners generally have higher average rates because of high stress and lengthy work days. On the other hand, careers such as scientists, historians and the unemployed pay lower than average rates on Regal insurance.
• Insurance is expensive for youthful drivers – Drivers with little experience tend to be inattentive when behind the wheel therefore car insurance rates are much higher. Mature drivers tend to be more responsible, file fewer claims , and are generally more financially stable.
• Cheaper rates using theft deterrents – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft and help bring rates down.

Lower rates by qualifying for discounts

Some insurance providers don’t always advertise all possible discounts very clearly, so the list below details some of the best known as well as the least known car insurance savings.

• Anti-lock Brake System – Cars equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
• Accident Waiver – Not necessarily a discount, but some companies like Allstate and Geico may permit one accident without raising rates if you have no claims for a set time period.
• Multi-car Discount – Drivers who insure several vehicles on a single policy could earn a price break for each car.
• Government Employees – Simply working for the federal government could qualify for a slight premium decrease on Regal insurance depending on your car insurance provider.
• Paperwork-free – Many insurance companies will provide an incentive for buying your policy on the internet.
• Homeowners Discount – Owning your own home or condo may earn you a small savings since home ownership is proof that your finances are in order.
• Discount for Multiple Policies – If you can combine your auto and home policy and insure them both with the same insurance company you could save approximately 10% to 15%.
• Good Student – A discount for being a good student could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
• Service Members Pay Less – Being deployed in the military could trigger a small discount.
• Discount for Low Mileage – Low annual miles can qualify you for better rates on cars that stay parked.

Please keep in mind that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, you’re out of luck. But any discount should help lower the cost of coverage.

Some of the larger companies that may have many of the previously listed discounts include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

When quoting, ask each company what discounts are available to you. Some credits may not be available everywhere. To find car insurance companies with discount rates, follow this link.

Auto insurance is unique, just like you

When it comes to buying adequate coverage for your vehicles, there is no best way to insure your cars. Each situation is unique.

These are some specific questions might point out if you would benefit from an agent’s advice.

• What exactly is covered by my policy?
• Does my policy cover me when driving someone else’s vehicle?
• Does my insurance cover my expensive audio equipment?
• Should I buy more coverage than the required minimum liability coverage?
• Is my babysitter covered when using my vehicle?
• Am I covered when driving in Canada or Mexico?
• When can I cancel my policy?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I need motorclub coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Parts of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, rock chips in glass and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

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 liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as X-ray expenses, hospital visits, prosthetic devices, rehabilitation expenses and surgery. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision insurance

This pays for damage to your Regal caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle, backing into a parked car, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Save your cold hard cash

When you buy auto insurance online, don’t be tempted to reduce needed coverages to save money. In too many instances, an insured cut physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Lower-priced 2002 Buick Regal insurance is definitely available online and also from your neighborhood agents, so you should compare both to have the best rate selection. There are still a few companies who don’t offer online quoting and many times these small insurance companies provide coverage only through independent agents.

Consumers change insurance companies for many reasons like delays in paying claims, high rates after DUI convictions, unfair underwriting practices or extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new car insurance company can be easy and end up saving you some money.

Additional detailed information can be found in the articles below:

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Things to Know Before you Cancel Insurance (Allstate)