Save on 2016 Buick Regal Car Insurance Quotes

Are you kicking yourself for buying an underperforming, overpriced auto insurance policy? You’re in good company because there are lots of people in the same boat.

Consumers have so many insurance companies to purchase coverage from, and although it’s nice to have multiple companies, more options can take longer to find the lowest cost provider.

It is always a good idea to compare premium rates on a regular basis since rates are rarely the same from one policy term to another. If you had the lowest premium rates for Regal insurance a couple years back you can probably find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to use the internet to eliminate unnecessary coverages and save money.

Four things that determine your insurance costs

Smart consumers have a good feel for the factors that are used to determine the rates you pay for auto insurance. If you have some idea of what controls the rates you pay, this enables you to make decisions that can earn you lower rates. Lots of things are part of the calculation when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but other factors are less apparent like your continuous coverage and annual miles driven.

  • Being married reduces risk – Having a significant other may cut your premiums on your auto insurance bill. Marriage demonstrates that you tend to be more stable financially it has been statistically shown that drivers who are married are more cautious.
  • Gender impacts rates – Over time, data shows that women are safer drivers than men. However, this does not mean males are worse at driving than females. Women and men are responsible for accidents in similar percentages, but the men have accidents that have higher claims. Men also have more aggressive citations like driving under the influence (DUI). Males from age 16 to 21 cause the most accidents and therefore are the most expensive to insure.
  • What’s your car’s NHTSA crash test rating? – Safe vehicles are cheaper to insure. Vehicles engineered for safety reduce injuries and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders. If your Buick Regal is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Save money by raising physical damage deductibles – Insurance for physical damage, aka comp and collision, insures against damage to your Buick. A few examples of covered claims could be collision with another vehicle, collision with an animal, and burglary. Physical damage deductibles are the amount of money the insured will be required to pay before your auto insurance pays a claim. The more the insured has to pay upfront, the better rate you will receive for Regal insurance.

Compare free car insurance price quotes

When looking for the cheapest auto insurance quotes, there are a couple ways to compare rate quotes from different companies. The fastest way to find the cheapest Buick Regal insurance rates is to jump online and get quotes. This is very easy and can be done using a couple different methods.

  1. Experts agree that the best way to find low rates would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating separate quote forms for each company you want a rate for. In just a few minutes this one form gets coverage cost estimates from multiple low-cost companies.
  2. A less efficient way to find better pricing consists of visiting the website for each individual company and complete a new quote form. For instance, we’ll assume you need rates from Auto-Owners, Liberty Mutual and Farmers. You would have to take the time to go to each site to enter your coverage information, which can get rather old.

    For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just be certain you are entering nearly identical quote data on every quote. If you have different deductibles you will not be able to find the best deal for your Buick Regal. Just slight variations in limits may result in large price differences. And when comparison shopping, comparing a wide range of rates provides better odds of finding more affordable insurance. Not every company provides online rate quotes, so it’s necessary to compare rates on coverage from those companies, too.

Cut your car insurance rates with discounts

Not many people think insurance is cheap, but discounts can save money and there are some available to help offset the cost. Some discounts will apply at the time you complete a quote, but occassionally some discounts must be asked for in order for you to get them. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Military Deployment Discount – Being deployed in the military could trigger a small discount.
  • Student in College – Older children who live away from home to go to college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Claim-Free Discount – Drivers with accident-free driving histories pay less as compared to policyholders that have many claims.
  • Low Mileage Discounts – Fewer annual miles on your Buick could earn slightly better prices than normal.
  • Pay Early and Save – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid the installment charge.

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will help lower your car insurance premiums.

A few popular companies and some of their more popular discounts are included below.

  • State Farm may offer discounts for passive restraint, multiple policy, good driver, driver’s education, and Drive Safe & Save.
  • GEICO policyholders can earn discounts including defensive driver, driver training, seat belt use, military active duty, and membership and employees.
  • Progressive offers premium reductions for multi-policy, online quote discount, multi-vehicle, continuous coverage, good student, and homeowner.
  • 21st Century may have discounts that include anti-lock brakes, good student, air bags, early bird, and homeowners.
  • American Family offers discounts for accident-free, bundled insurance, good student, mySafetyValet, and good driver.
  • The Hartford may include discounts for good student, defensive driver, bundle, anti-theft, driver training, vehicle fuel type, and air bag.
  • AAA has savings for multi-car, pay-in-full, good driver, multi-policy, AAA membership discount, and anti-theft.

If you want cheap auto insurance quotes, ask every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in your area.

You are unique and your insurance should be too

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Will my rates increase for filing one claim?
  • Does my car insurance cover rental cars?
  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy liability insurance?
  • Is my trailer covered?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Knowing the specifics of auto insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for immediate expenses for X-ray expenses, prosthetic devices and EMT expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, fire damage, theft, a broken windshield and hitting a bird. 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.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, colliding with another moving vehicle, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability – Liability coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, structural damage, court costs, medical services and emergency aid. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Summing up your auto insurance search

When searching for low cost auto insurance quotes, make sure you don’t reduce coverage to reduce premium. In many instances, someone sacrificed collision coverage to discover at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest price.

In this article, we presented many ideas to save on 2016 Buick Regal insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest priced auto insurance comes from some of the smallest insurance companies. They can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

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