Tired of trying to scrape together enough money to insure your Buick every month? You have the same problem as the majority of other consumers. Because there are so many insurance companies to choose from, it’s difficult to pick the lowest price company.
There are a variety of methods to compare insurance quotes, but there is one way that is easier and takes less work. You can spend countless hours driving to insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.
All the larger companies take part in a program where insurance shoppers send in one quote, and every company then gives them pricing based on the submitted data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.
To use this form to compare rates click here to start a free quote.
The one downside to comparing rates this way is you cannot specify which carriers you want to price. If you prefer to choose specific insurance companies to compare prices, we have a listing of low cost insurance companies in your area. Click to view list.
However you get your quotes, do your best to enter the same coverage data on every quote you get. If you enter mixed coverages it will be very difficult to make a fair comparison for your Buick Regal.
Insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied when you purchase, but lesser-known reductions have to be manually applied prior to receiving the credit.
Just know that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky.
Some of the larger companies that may offer these money-saving discounts may include but are not limited to:
When getting a coverage quote, ask each company or agent what discounts are available to you. Some discounts may not be available in your area.
When it comes to buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions could help you determine if your insurance needs will benefit from professional help.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
Having a good grasp of insurance aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.
This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims such as driving through your garage door, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Insurance for medical payments
Med pay and PIP coverage provide coverage for immediate expenses like hospital visits, ambulance fees and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Buick Regal.
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 should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.
Auto liability insurance
This coverage will cover damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.
Liability can pay for claims like medical services, funeral expenses, emergency aid and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like rock chips in glass, damage from a tornado or hurricane, damage from flooding, hitting a deer and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.