2011 Buick Regal Insurance Rates

Searching for better auto insurance rates for your Buick Regal? Purchasing the lowest price auto insurance may be problematic for drivers that are relatively new to shopping for insurance on the internet. With dozens of companies in the marketplace, how can you have time to compare each option to find the lowest price available?

You need to compare rates once or twice a year because auto insurance prices change quite often. If you had the best rates on Regal coverage last year you may be paying too much now. There are a lot of ways to save on auto insurance on the web, but we’re going to give you some good information on how to lower your auto insurance bill.

Locating the best car insurance is not that difficult. Basically, anyone who buys car insurance stands a good chance to be able to find better rates. But vehicle owners do need to learn how big insurance companies market on the web.

Insurance coverage discounts help lower rates

Companies do not advertise every disount available in an easy-to-find place, so we researched a few of the more common in addition to some of the lesser obvious credits available to bring down your rates. If you check and find you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

  • Federal Employees – Active or former government employment can save as much as 8% on Regal coverage with certain companies.
  • Accident Forgiveness – Not really a discount, but some insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims before the accident.
  • Lower Rates for Military – Being on active deployment in the military can result in better insurance coverage rates.
  • Discounts for Multiple Vehicles – Insuring more than one vehicle on the same insurance coverage policy qualifies for this discount.
  • Discount for Low Mileage – Keeping the miles down on your Buick may enable drivers to earn substantially lower premium rates.
  • E-sign Discounts – Certain larger companies will give you a small discount get auto insurance on your computer.

You should keep in mind that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. So when the math indicates you can get free auto insurance, that’s just not realistic.

Large insurance coverage companies and some of the discounts can be read below.

  • GEICO has savings for seat belt use, anti-theft, multi-vehicle, daytime running lights, and federal employee.
  • Travelers may include discounts for multi-car, save driver, early quote, good student, payment discounts, and IntelliDrive.
  • Nationwide offers discounts including anti-theft, easy pay, accident-free, business or organization, and multi-policy.
  • Farmers Insurance may have discounts that include good student, electronic funds transfer, pay in full, multi-car, early shopping, and youthful driver.
  • Esurance may offer discounts for online quote, homeowner, Pac-12 alumni, good student, good driver, Switch & Save, and paid-in-full.
  • State Farm policyholders can earn discounts including anti-theft, safe vehicle, Steer Clear safe driver discount, good student, multiple policy, and student away at school.
  • Progressive includes discounts for homeowner, continuous coverage, multi-vehicle, multi-policy, and online quote discount.
  • Mercury Insurance has discounts for good student, ease of repair, age of vehicle, annual mileage, and location of vehicle.

When getting a coverage quote, ask each company or agent how you can save money. Depending on the company, some discounts may not apply everywhere. To find companies who offer cheap insurance coverage quotes, click this link.

Buick Regal insurance prices can be lower

Lots of things are part of the equation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but some are not as apparent such as whether you are married or how safe your car is.

  • Prevent your car from being stolen – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping vehicle theft.
  • When should you file a claims? – If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Insurance companies provide the best rates to drivers who only file infrequent claims. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Occupation stress can affect premiums – Occupations such as fire fighters, executives and accountants tend to pay higher premiums than the average policyholder due to stressful work requirements and lots of time spent at work. On the flip side, jobs like actors, athletes and retirees have lower than average premiums on Regal coverage.
  • How credit history affects insurance rates – Having a bad credit score factor in determining premium rates. If your credit can use some improvement, you could pay less to insure your 2011 Buick Regal by taking the time to improve your credit score. Insureds that have high credit ratings tend to be less risk to insure than drivers who have bad credit.
  • Higher rates for insurance policy lapses – Driving any period of time without insurance is illegal and insurance companies will penalize you for letting your insurance expire. And not only will your rates increase, the inability to provide proof of insurance could result in fines and jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Liability protection risk factors in – A critical coverage on your policy, liability insurance kicks in when a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Which is the best car insurance?

When choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether you might need professional guidance.

  • Are rental cars covered under my policy?
  • What is the difference between comprehensive and collision coverage?
  • Can I still get insurance after a DUI?
  • Does insurance cover damages from a DUI accident?
  • Does coverage extend to a rental car in a foreign country?
  • Are rock chip repairs covered?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my nanny covered when driving my vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your policy

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive coverages

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

Comprehensive can pay for claims like a broken windshield, vandalism, hitting a deer, hitting a bird and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Regal.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits are similar to your liability insurance amounts.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses such as surgery, EMT expenses, chiropractic care, ambulance fees and hospital visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

This provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as legal defense fees, medical expenses and attorney fees. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Feed the piggy bank

We just showed you a lot of tips how to get a better price on 2011 Buick Regal insurance. The key concept to understand is the more you quote auto insurance, the better likelihood of getting affordable auto insurance. You may be surprised to find that the most savings is with a lesser-known regional company.

Insureds who switch companies do it for a number of reasons such as policy non-renewal, being labeled a high risk driver, delays in paying claims or even questionable increases in premium. Regardless of your reason for switching companies, switching companies is less work than it seems.

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. In many instances, an insured dropped physical damage coverage to discover at claim time that they should have had better coverage. Your focus should be to buy enough coverage for the lowest cost while still protecting your assets.

Helpful resources