Looking for cheaper insurance rates for your Buick Regal? Online rate comparisons for cheap auto insurance is challenging if you’ve never compared online price quotes. But don’t just give up because finding cheaper rates is actually fairly simple.
If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Buying more affordable auto insurance is simple if you know the tricks. But consumers need to learn how big insurance companies compete online and apply this information to your search.
Performing a rate comparison can be a lot of work if you don’t understand the easiest way. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could use online quoting to accomplish the same thing much quicker.
All the larger companies belong to a marketplace where insurance shoppers enter their coverage request one time, and at least one company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions to every company.
To compare pricing click here to start a free quote.
One minor caviat to getting quotes like this is you cannot specify which carriers you want pricing from. If you would rather choose specific providers to compare, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.
It’s up to you which method you use, but be sure to compare identical quote data on every price quote you get. If your comparisons have mixed coverages it will be impossible to find the best deal for your Buick Regal. Quoting even small variations in insurance coverages or limits may cause a big price difference. Keep in mind that having more price comparisons provides better odds of finding lower pricing.
State Farm and Allstate consistently run ads in print and on television. They all say the same thing that drivers can save some big amount if you switch your coverage to them. How is it possible that every company can save you money?
Many companies give the best rates for the type of driver that will generate a profit. One example of a profitable customer might be described as over the age of 35, has never had a claim, and drives a car with an anti-theft system. Any person that hits that “sweet spot” will probably get cheap premium rates and will probably save when switching.
People who are not a match for this stringent profile may be required to pay higher rates and ends up with business not being written. The ads state “customers that switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can state the savings.
This emphasizes why you really need to get auto insurance quotes as often as possible. It’s impossible to know with any certainty which company will have the lowest rate quotes.
Car insurance companies don’t always list all their discounts very clearly, so the following list contains both the well known and the more hidden credits available to bring down your rates.
While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Even though the math looks like you can get free auto insurance, you’re out of luck. But all discounts will lower your overall bill.
Companies and some of the premium reductions they offer are outlined below.
If you are trying to find low cost auto insurance quotes, ask every company how many discounts you can get. All car insurance discounts might not be offered in your state. If you would like to choose from a list of insurance companies with discount insurance rates, click here to view.
When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.
For example, these questions could help you determine if you will benefit from professional help.
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Knowing the specifics of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like nursing services, X-ray expenses and hospital visits. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your 1991 Buick Regal.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Liability coverage provides protection from damage or injury you incur to people or other property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers things such as medical expenses, attorney fees, repair bills for other people’s vehicles, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.
Collision coverage protection
This coverage pays for damage to your Regal caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims such as colliding with a tree, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding, hitting a bird, falling objects and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
When you buy auto insurance online, make sure you don’t buy less coverage just to save a little money. There are many occasions where an accident victim reduced collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.
Insureds switch companies for many reasons like high rates after DUI convictions, policy non-renewal, poor customer service and policy cancellation. Regardless of your reason for switching companies, switching insurance coverage companies is easier than you think.
Budget-conscious 1991 Buick Regal insurance is available on the web and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers may not offer rates over the internet and usually these smaller companies only sell coverage through independent agents.