2013 Buick Regal Insurance Rates

Trying to find the cheapest insurance coverage rates for your Buick Regal? Do you get exhausted from scraping nickels together to make your insurance coverage payment? You are in the same boat as millions of other consumers. With consumers having so many different company options, it can be hard to find the cheapest insurance company.

Consumers need to do rate comparisons once or twice a year because insurance rates tend to go up over time. Even if you think you had the best premium rates on Regal coverage at your last renewal there may be better deals available now. There is a lot of bad information regarding insurance coverage out there, but in just a couple of minutes you can learn some of the best ways to stop overpaying for insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you will be able to lower your premiums substantially using these tips. Vehicle owners only need to know the proper way to get comparison rates over the internet.

The cheapest insurance coverage

There are a variety of methods to compare insurance coverage quotes, but one way is more efficient than others. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to achieve your goal.

All the larger companies take part in a program where prospective buyers complete one form, and each participating company provides a quote. This prevents consumers from doing form submissions to each company. To compare rates now click here (opens in new window).

The single downside to doing it this way is that consumers can’t choose which companies you want to price. So if you want to select specific providers to compare, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

How you compare quotes is your choice, just do your best to enter apples-to-apples coverage information for every quote you compare. If you have differing limits it will be nearly impossible to determine the lowest rate for your Buick Regal.

Big brands don’t always mean big savings

Drivers get pounded daily by advertisements that promise big savings by Progressive, Allstate and GEICO. They all advertise the message of big savings just by switching to their company.

How does every car insurance company make the same claim? Here is how they do it.

All the different companies are able to cherry pick for the type of driver that earns them the highest profit. For example, this type of risk profile may be between 25 and 40, is a homeowner, and insures a new vehicle. A propective insured who fits that profile gets the lowest premium rates as well as save when switching.

Insureds who may not quite match this stringent profile may receive a higher premium and this can result in the customer buying from someone else. The trick is to say “customers who switch” not “everyone that quotes” save that much when switching. That is how companies can make those statements. This really emphasizes why you absolutely need to compare rate quotes every year. Because without a comparison, you cannot know which insurance companies will be your best fit.

Why your insurance costs might be higher

Consumers need to have an understanding of the rating factors that help calculate your policy premiums. When you know what positively or negatively influences your rates, this enables informed choices that will entitle you to lower rates.

  • Eliminate extra coverages – There are quite a few extra add-on coverages that you can get tricked into buying if you aren’t careful. Add-on coverages like vanishing deductibles, better glass coverage, and extra life insurance coverage may be wasting your money. These coverages may sound good when you first buy your policy, but if they’re wasting money remove them and pocket the money.
  • Where you reside plays a part – Being located in small towns and rural areas is a good thing when it comes to car insurance. Urban drivers regularly have congested traffic and higher rates of accident claims. Fewer drivers on the road means reduced accidents.
  • Married drivers pay less – Having a wife or husband can get you a discount on your policy. Having a significant other may mean you are more mature and responsible and it’s proven that drivers who are married file infrequent claims.
  • Pay more out-of-pocket – Physical damage insurance, aka comp and collision, covers damage that occurs to your Buick. Some examples of covered claims could be a dented fender, collision with an animal, and windstorm damage. The deductibles you choose represent how much money you are willing to pay before a claim is paid by your company. The more of the claim you are required to pay out-of-pocket, the bigger discount you will receive on Regal coverage.
  • Is insurance coverage cheaper for females or males? – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean females are better drivers. Both genders cause fender benders in similar numbers, but the men tend to have more serious accidents. In addition to higher claims, males also get higher numbers of serious violations like DWI (DUI) or reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high car insurance rates.
  • Stay claim-free and reduce premiums – Auto insurance companies give the best rates to people that do not abuse their auto insurance. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Auto insurance is designed for major claims that would cause financial hardship.
  • Drive fewer miles and save – Driving more miles in a year’s time the more it will cost to insure it. Many insurance companies charge rates based on their usage. Vehicles used primarily for pleasure use can be on a lower rate level than those that get driven frequently. It’s always a good idea to double check that your car insurance policy is rated on the correct usage. A policy that improperly rates your Regal is throwing money out the window.
  • Tickets will cost you – Being a careful driver impacts premiums far more than you think. Just one speeding ticket or other violation can boost insurance rates to the point where it’s not affordable. Good drivers tend to pay less for car insurance compared to bad drivers. Drivers who have gotten serious violations like DUI or reckless driving may need to prove financial responsibility with their state motor vehicle department in order to legally drive.

Cheaper insurance coverage quotes with discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that you may not even know about. A few discounts will be applied when you purchase, but a few must be requested specifically prior to getting the savings.

  • 55 and Retired – Older drivers may be able to get better insurance coverage rates on Regal coverage.
  • Waiver for an Accident – This one isn’t a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual may permit one accident without raising rates if you have no claims for a set time period.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more on Regal coverage compared to rates paid by drivers with frequent claims.
  • Save with More Vehicles Insured – Buying insurance for more than one vehicle with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Driver Training Discounts – Taking time to complete a class that teaches driver safety techniques could cut 5% off your bill depending on where you live.
  • Driving Data Discount – Insureds that choose to allow data collection to monitor driving manner through the use of a telematics system such as State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft and therefore earn up to a 10% discount.

Discounts save money, but please remember that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A list of companies and a selection of discounts are included below.

  • Farm Bureau offers premium reductions for 55 and retired, driver training, good student, multi-vehicle, and renewal discount.
  • Liberty Mutual offers discounts for multi-car, newly retired, new vehicle discount, hybrid vehicle, new move discount, multi-policy, and good student.
  • State Farm policyholders can earn discounts including good student, defensive driving training, multiple policy, multiple autos, student away at school, safe vehicle, and accident-free.
  • Auto-Owners Insurance may have discounts that include multiple vehicles, safe vehicle, paid in full, group or association, multi-policy, teen driver, and anti-lock brakes.
  • GEICO may offer discounts for five-year accident-free, good student, driver training, daytime running lights, emergency military deployment, and anti-lock brakes.
  • SAFECO discounts include safe driver, bundle discounts, anti-lock brakes, drive less, teen safe driver, accident prevention training, and homeowner.

When getting a coverage quote, ask each company or agent which credits you are entitled to. A few discounts may not apply in every state.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your insurance needs will benefit from professional help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I better off with higher deductibles on my 2013 Buick Regal?
  • What is covered by UM/UIM coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When should I drop full coverage on my 2013 Buick Regal?
  • How high should my uninsured/underinsured coverage be in my state?
  • Which is better, split liability limits or combined limits?
  • When would I need rental car insurance?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance policy specifics

Knowing the specifics of auto insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by auto insurance companies.

Auto collision coverage

This pays for damage to your Regal resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability insurance

This coverage can cover damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as medical expenses, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

UM/UIM Coverage

This provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Buick Regal.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, falling objects, a broken windshield, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage pay for expenses like dental work, surgery, EMT expenses, pain medications and funeral costs. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

In conclusion

We just covered some good ideas how you can compare 2013 Buick Regal insurance prices online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest insurance coverage. You may even discover the best price on insurance coverage is with the least-expected company. They often have lower rates on specific markets compared to the large companies like State Farm and Allstate.

As you quote insurance coverage, you should never buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

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