1991 Buick Regal Car Insurance Cost – 8 Tips for Best Prices

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.

How much does auto insurance cost?

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.

Auto insurance buyers beware

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.

Don’t overlook these eight insurance discounts

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.

  • Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course as it will make them better drivers and lower rates.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Discounts for Government Workers – Active or former government employment may qualify for a discount when you quote auto insurance on Regal coverage depending on your insurance provider.
  • Student Discounts – This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Regal coverage than drivers with accidents.
  • Discount for Swiching Early – Some insurance companies reward drivers for renewing your policy early. Ten percent is about the average savings.
  • E-sign Discounts</strong – A few larger online companies provide a small discount just for signing your application on the internet.
  • Senior Citizen Rates – Drivers over the age of 55 are able to get better insurance rates on Regal coverage.

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.

  • State Farm discounts include Steer Clear safe driver discount, Drive Safe & Save, anti-theft, good driver, defensive driving training, and multiple policy.
  • American Family has savings for multi-vehicle, early bird, accident-free, good driver, defensive driver, and mySafetyValet.
  • GEICO has discounts for five-year accident-free, good student, multi-policy, air bags, federal employee, emergency military deployment, and anti-lock brakes.
  • 21st Century may offer discounts for student driver, anti-lock brakes, homeowners, early bird, good student, teen driver, and automatic seat belts.
  • Progressive includes discounts for multi-policy, continuous coverage, online signing, good student, homeowner, online quote discount, and multi-vehicle.

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 to get professional advice

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.

  • Can I make deliveries for my home business?
  • Does my policy cover me when driving someone else’s vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when using my vehicle for business?
  • Do I pay less if my vehicle is kept in my garage?
  • When can I cancel my policy?
  • What is the rate difference between pleasure use and commuting?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I really need UM/UIM coverage?

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.

Specifics of your insurance policy

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

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.

Comprehensive protection

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.

Never pay more for less

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.

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Comments About 1991 Buick Regal Insurance

  1. Velva House

    Checking in from Bellevue, Nebraska. I got free prices from Safeco, Esurance, State Farm, and Auto-Owners for my 1991 Buick Regal and I’m now saving $21 a month. Full coverage costs too much.

  2. Jerold Espinoza

    I’m in New Orleans, LA, and Allstate rates were affordable. Insured with Encompass before.

  3. Sherry Wagner

    From north side of Spokane, WA. Got car insurance quotes from Allstate, Amica, and some I forget for my Buick and I’m now saving $20 a month. I’m a pretty low risk driver.

  4. Lupe Paul

    Got pretty cheap 1991 Buick Regal insurance from GEICO in Worcester, MA.

  5. Lorita Mccarthy

    Affordable car insurance is a myth. I’m in the south part of Tampa, Florida. Quoted with 21st Century, AIG Insurance, and some I forget for my Regal and saved just over $90 a year. Left Hanover to switch. Highly recommended.

  6. Jenise Mullins

    Anyone know if State Farm does SR-22s?

  7. Tereasa Jimenez

    I’m in the south part of Montgomery, Alabama. Quoted rates from MetLife, Farmers, State Farm, and Amica for my Regal and saved just over $110 a year. I have a teen driver too. Might find lower rates online. Book value doesn’t justify full coverage anymore.

  8. Tracy Nelson

    From a town just southwest of Los Angeles, California. Received rates from State Farm, Auto-Owners, and some I forget for my Regal and saved around $80 a year. Insured with Liberty Mutual before. Switched homeowners coverage too. Full coverage costs too much.

  9. Tawna Bradshaw

    Just my two cents. I live on the west side of Minneapolis, MN. I got free prices from State Farm, The General, and Erie for my Buick and saved $96 a year. I have a couple other vehicles on the policy.