Cheap 2014 Buick Regal Car Insurance Quotes

Looking for cheaper insurance rates for your Buick Regal? Finding cheaper insurance for a new or used Buick Regal can be an all-consuming task, but you can follow our insurance buying tips to make it easier.

There is a right way and a wrong way to shop for insurance and we’ll show you the proper way to quote coverages for your Buick and locate the lowest possible price.

It’s a good habit to shop coverage around periodically because prices are variable and change quite frequently. Just because you had the best quotes for Regal coverage a couple years back the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because it’s time to teach you how to quote online to find better rates and still maintain coverage.

Finding insurance coverage

Performing a rate comparison can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you could use online quoting to get pricing more quickly.

Most of the larger companies belong to an insurance system that enables customers to submit one quote, and every company provides a quote based on that data. This eliminates the need for repetitive form submissions to every company.

To compare rates using this form now click here to open in new window.

One minor caviat to pricing coverage this way is you don’t know exactly the providers to get quotes from. If you would rather choose specific providers for rate comparison, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

Take whichever approach you prefer, but compare nearly identical information on every quote you get. If you enter differing limits you will not be able to decipher which rate is best.

Lower rate quotes by taking advantage of discounts

Companies that sell car insurance don’t always publicize their entire list of discounts in an easy-to-find place, so we researched some of the best known and the more hidden discounts that you can inquire about if you buy auto insurance online. If you do not check that you are getting every discount possible, you are not getting the best rate possible.

  • Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote as compared to bad drivers.
  • Distant Student Discount – Any of your kids who live away from home at college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Low Mileage Discounts – Fewer annual miles on your Buick can qualify you for lower auto insurancerates on the low mileage vehicles.
  • Discounts for Multiple Vehicles – Drivers who insure primary and secondary vehicles on one policy may reduce the rate for each vehicle.
  • Auto/Home Discount – If you can combine your homeowners and auto policy with one company you could save nearly 15% which can help you find inexpensive auto insurance.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you can get free auto insurance, it’s just not the way it works.

A list of auto insurance companies and some of the discounts are outlined below.

  • State Farm may have discounts that include student away at school, good driver, safe vehicle, good student, and defensive driving training.
  • Farmers Insurance offers discounts including business and professional, teen driver, youthful driver, alternative fuel, multi-car, and bundle discounts.
  • GEICO has savings for air bags, military active duty, membership and employees, emergency military deployment, and anti-theft.
  • American Family may include discounts for early bird, Steer into Savings, mySafetyValet, accident-free, multi-vehicle, and good driver.
  • Nationwide has discounts for anti-theft, easy pay, business or organization, accident-free, multi-policy, family plan, and good student.
  • Progressive policyholders can earn discounts including good student, multi-policy, multi-vehicle, homeowner, online quote discount, continuous coverage, and online signing.

Check with each insurance company to give you their best rates. Some credits may not apply to policyholders in your area. For a list of insurers who offer auto insurance discounts, click this link.

How much auto insurance do I need?

When buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • Should I buy full coverage?
  • Am I covered if I drive in a foreign country?
  • How high should deductibles be on a 2014 Buick Regal?
  • Do I have coverage if my license is suspended?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Coverages available on your insurance policy

Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, damage from a tornado or hurricane, hitting a bird and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – Collision insurance will pay to fix damage to your Regal resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like EMT expenses, prosthetic devices, X-ray expenses, doctor visits and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverages – Liability coverage can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as medical expenses, court costs and loss of income. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.