Save on 1993 Buick Regal Insurance Rates

Are you drained from scraping nickels together to keep your car insured? You are in the same boat as many other consumers. Multiple insurers compete for your hard-earned dollar, so it can be very hard to choose a insurer to get the lowest rate possible.

Insurance policy discounts

Car insurance companies do not advertise every discount very clearly, so the below list has some of the more common as well as the least known discounts you could be receiving when you buy car insurance online.

• Claim Free – Good drivers with no accidents can save substantially compared to insureds who have frequent claims or accidents.
• Telematics Discount – Insureds that choose to allow driving data collection to look at vehicle usage by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they exhibit good driving behavior.
• Military Discounts – Being deployed with a military unit could be rewarded with lower insurance rates.
• Club Memberships – Being a member of a professional or civic organization could trigger savings when getting a car insurance quote.
• Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies that have most of these discounts possibly include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

Check with all the companies how you can save money. Some discounts might not be available to policyholders in your area.

Finding car insurance

Performing a rate comparison is a ton of work if you don’t utilize the easiest way. You can spend your afternoon talking to insurance companies in your area, or you could use the internet to get rates in a matter of minutes.

Many companies are enrolled in a marketplace that enables customers to complete one form, and each participating company can provide price quotes determined by their information. This prevents consumers from doing form submissions to every company.

To find out how much you can save on car insurance click here to open in new window.

The single downside to comparing rates this way is you cannot specify the companies to receive prices from. So if you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just make absolute certain that you use exactly the same coverage data on every quote. If you compare different values for each quote it will be next to impossible to determine which company has the best rates.

Get cheap insurance prices by understanding these factors

Many things are used in the calculation when you get your auto insurance bill. Some factors are common sense like an MVR report, although some other factors are less obvious such as your credit history or how safe your car is.Consumers need to have an understanding of some of the elements that play a part in calculating the level of your policy premiums. If you understand what impacts premium levels, this allows you to make educated decisions that could help you find lower car insurance prices.

The itemized list below are some of the major factors car insurance companies consider when setting prices.

• Costs for men may be higher – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes have fender benders at a similar rate, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like driving under the influence (DUI). Young men ages 16 to 20 are several times more likely to be in an accident and are penalized with high car insurance rates.
• Discounts for married couples – Getting married actually saves money when shopping for car insurance. Having a significant other translates into being less irresponsible it has been statistically shown that drivers who are married are more cautious.
• How’s your driving record? – A bad driving record can have a huge impact on auto insurance premiums. Even one chargable violation can bump up the cost by as much as thirty percent. Drivers with clean records get better prices than bad drivers. People who have flagrant citations such as DUI, reckless driving or excessive speeding are required to submit a SR-22 form with their state’s licensing department in order to prevent a license revocation.
• Where you reside factors in – Choosing to live in less populated areas has it’s advantages when it comes to car insurance. Residents of big cities regularly have more road rage incidents and more severe claims. Fewer drivers means a lower chance of having an accident in addition to fewer liability claims.
• Your career may increase car insurance rates – Did you know your car insurance rates can be affected by your occupation? Jobs like fire fighterspolice officers and financial analysts generally have higher premium rates due to intense work requirements and long work days. Other occupations such as farmers, engineers and the unemployed get better rates for Regal insurance.
• Don’t skimp on liability insurance – Liability coverage is the protection if ever you are responsible for an accident. It provides legal defense coverage which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.
• Insure car and home with the same company – Most larger insurers will give discounts to people that have more than one policy such as combining an auto and homeowners policy. The discount can be as much as ten percent or more Even with this discount, it’s always a smart idea to compare rates to ensure the best deal.

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs may require specific advice.

• Am I covered if I break a side mirror?
• What is the minimum liability in my state?
• Can I still get insurance after a DUI?
• Does my 1993 Buick Regal need full coverage?
• Am I covered by my spouse’s policy after a separation?
• Am I covered when driving a rental car?
• Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Car insurance coverage breakdown

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are the usual coverages found on the average car insurance policy.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, a broken windshield and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

This will pay to fix damage to your Regal resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, sustaining damage from a pot hole, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1993 Buick Regal.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, repair bills for other people’s vehicles and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses for chiropractic care, doctor visits, ambulance fees, pain medications and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

In the end, you save

Lower-priced insurance is definitely available both online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not provide online price quotes and most of the time these regional insurance providers prefer to sell through local independent agents.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There have been many cases where drivers have reduced full coverage and learned later that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

More tips and info about insurance can be found by following these links:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Cellphones, Texting and Driving (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)