Cheaper 2012 Buick Regal Insurance Cost

Want cheaper car insurance rates for your Buick Regal? Nobody I know likes paying for car insurance, especially knowing they are paying too much.

Due to the fact that there are so many options when it comes to car insurance, it’s difficult to find the lowest cost car insurance provider.

Consumers need to compare premium rates at least once a year since insurance prices tend to go up over time. Even if you got the lowest price on Regal insurance at your last renewal there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use online quotes to lower your annual insurance bill.

Buying car insurance is not rocket science. Essentially every driver who buys auto insurance should be able to find better rates. But consumers can benefit from knowing the way companies sell online and apply this information to your search.

Discounts can really help to save

Not many people think insurance is cheap, but there may be some discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but a few must be specifically requested in order for you to get them.

  • Theft Deterent – Cars and trucks with anti-theft systems prevent vehicle theft and that can save you a little bit as well.
  • Driving Data Discount – People who choose to allow driving data submission to spy on when and where they use their vehicle by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as they are good drivers.
  • Low Miles Discount – Driving fewer miles could be rewarded with discounted prices on garaged vehicles.
  • Discounts for Safe Drivers – Drivers without accidents can get discounts for up to 45% lower rates on Regal insurance than drivers with accident claims.
  • Waiver for an Accident – Not really a discount, but certain companies will turn a blind eye to one accident before your rates go up if your claims history is clear prior to the accident.
  • ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Early Signing – A few auto insurance companies offer discounts for renewing your policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance online.
  • More Vehicles More Savings – Buying a policy with all your vehicles with the same company can get a discount on all vehicles.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.

You should keep in mind that most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride.

Car insurance companies that may have many of the previously listed discounts may include but are not limited to:

When quoting, ask every prospective company which credits you are entitled to. Some of the discounts discussed earlier might not be offered on policies everywhere. For a list of insurance companies who offer online auto insurance quotes, click here to view.

How your Regal insurance premiums are determined

Part of the auto insurance buying process is learning some of the factors that go into determining your policy premiums. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower rates. Lots of factors are used when premium rates are determined. A few of the factors are predictable like an MVR report, although some other factors are not as apparent such as your marital status or how safe your car is.

The itemized list below are a few of the things companies use to determine premiums.

  • Job impacts rates – Jobs such as military generalspolice officers and stock brokers usually pay higher average rates because of job stress and long work days. Other careers such as actors, athletes and homemakers generally pay rates lower than average on Regal insurance.
  • Better drivers pay less – Being a careful driver has a big impact on rates. Only having one chargable violation could increase your next policy renewal forty percent or more. Drivers who don’t get tickets have lower premiums than their less careful counterparts. People who have careless violations like DUI or reckless driving might be required by their state to prove financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.
  • Bundle policies and save money – Lots of auto insurance companies give better rates to policyholders that buy multiple policies such as combining an auto and homeowners policy. The amount of the discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to shop around to confirm you are receiving the best rates possible. You may still save money even if you insure with multiple companies
  • Small coverages can add up – There are quite a few additional extra coverages that can waste your money if you aren’t careful. Insurance for rental car reimbursement, towing coverage, and term life insurance may be costing you every month. You may think they are a good idea when discussing your needs, but if you don’t need them remove them from your policy.
  • Big cities have higher rates – Residing in a small town can be a good thing when talking about auto insurance. Fewer drivers means reduced accidents in addition to fewer liability claims. People in densly populated areas regularly have congested traffic and higher rates of accident claims. Longer commute distances means higher likelihood of an accident.
  • Premiums drop with age – Young drivers are statistically proven to be careless and easily distracted when behind the wheel and because of this, their auto insurance rates are much higher. More mature drivers are shown to be more cautious, cause fewer claims and accidents and receive fewer citations.
  • Choose high safety ratings and save – Vehicles with good safety scores cost less to insure. Safer cars result in less severe injuries and fewer serious injuries means lower claim amounts and lower rates for you. If your Buick is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.

Will just any policy work for me?

When buying coverage, there is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my insurance cover my expensive audio equipment?
  • Why am I required to get a high-risk car insurance policy?
  • Should I carry comprehensive and collision coverage?
  • Is business property covered if stolen from my car?
  • Can I afford low physical damage deductibles?
  • Can my babysitter drive my car?
  • When should I remove comp and collision on my 2012 Buick Regal?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area.

Big names are not always cheapest

Popular insurance coverage providers such as GEICO, State Farm and Progressive constantly bombard you with television, radio, and online ads. All the companies say the same thing that drivers will save a bundle if you just switch to their company. That’s great but how can every company make the same claim?

All companies have specific guidelines for a prospective insured that earns them the most money. An example of a preferred risk could possibly be a mature driver, owns a home, and the vehicle is rated for pleasure use. A customer getting a price quote who matches those parameters will get very good premium rates and most likely will save a lot if they switch.

Potential insureds who cannot meet the requirements will have to pay a higher rate with the end result being the customer not purchasing. The wording the ads use say “customers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can advertise the way they do. This really emphasizes why you need to get insurance quotes as often as possible. It is just not possible to predict with any certainty which company will fit you best based on your risk profile.

Auto insurance coverage information

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from auto insurance companies.

Collision coverage

This coverage covers damage to your Regal caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, rolling your car, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability car insurance

Liability insurance provides protection from damage that occurs to other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

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. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, attorney fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Buick Regal.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle, hitting a bird, vandalism and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills like rehabilitation expenses, funeral costs, nursing services, dental work and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Be a smart shopper

You just read some good ideas how you can reduce 2012 Buick Regal insurance premium rates online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting cheap insurance. You may even find the lowest priced insurance comes from an unexpected company. They may often insure only within specific states and give getter rates compared to the large companies like Progressive or GEICO.

Some insurance providers do not offer the ability to get a quote online and usually these regional insurance providers prefer to sell through independent agents. Cheaper insurance is available online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture.

Additional information can be read at the links below