1995 Buick Regal Insurance Quotes – 10 Tips to Save

Trying to find the cheapest auto insurance rates for your Buick Regal? Searching for the cheapest insurance for your Buick Regal can be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to buy auto insurance so we’re going to tell you the best way to price shop coverage for a new or used Buick and find the best price possible from both online companies and local agents.

It’s important to quote other rates before your policy renews because rates are constantly changing. Even if you think you had the best rate on Regal coverage on your last policy you will most likely find a better price today. Block out anything you think you know about auto insurance because it’s time to teach you one of the easiest ways to save on auto insurance.

If you have a current car insurance policy or are looking for a new policy, you can use these tips to shop for the lowest rates while maintaining coverages. Locating the lowest cost car insurance coverage is quite easy. Drivers only need an understanding of the most effective way to shop online.

How to buy insurance coverage online

Cutting your insurance coverage rates doesn’t have to be difficult. You just have to take time comparing rate quotes to discover which company has the cheapest insurance coverage quotes. Shoppers can get rates using a couple different methods.

  • Hands down the most simple method to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This quick form prevents you from having to do separate quote forms to each individual insurance coverage company. A single form gets coverage cost estimates from all major companies. Just one form and you’re done.
  • A harder way to shop for insurance coverage online consists of visiting the website for every company you want to comare and get a separate price quote. For instance, let’s say you want to see prices from Allstate, Progressive and Liberty Mutual. To get each rate you have to go to every website to enter the same coverage data repeatedly, which can get rather old. For a list of links to companies insuring cars in your area, click here.
  • The old school method to get comparison rates is to spend your day driving to different agent offices. Quoting online has made agencies unnecessary unless you have a need for the professional assistance of a local agent. Although, it is possible comparison shop your insurance online and still use a local agent.

The method you choose is up to you, but do your best to use equivalent coverage data on every quote. If you have higher or lower deductibles then you won’t be able to determine which rate is truly the best.

Don’t miss these ten discounts

Some insurers do not advertise every discount they offer in an easy-to-find place, so we took the time to find a few of the more common in addition to some of the lesser obvious credits available to you.

  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Buy New and Save – Buying coverage on a new vehicle can get you a discount due to better safety requirements for new model year vehicles.
  • Accident Forgiveness Coverage – but some companies like State Farm and Allstate may permit one accident before they charge you more for coverage if you are claim-free before the accident.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% on Regal coverage as compared to drivers with claims.
  • Bundle and Save – If you can combine your homeowners and auto policy with the same insurance company you could earn a discount of up to 20% and get you inexpensive insurance coverage.
  • Full Payment Discount – If you pay your bill all at once rather than paying monthly you can avoid monthly service charges.
  • Renewal Discounts – A few insurance coverage companies offer discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • 55 and Retired – Drivers over the age of 55 are able to get a small decrease in premiums on Regal coverage.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt can save a little on medical payment and PIP coverage.
  • Military Discounts – Being deployed in the military can result in better premium rates.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, it just doesn’t work that way.

A few of the larger companies and some of the premium reductions they offer are outlined below.

  • American Family may offer discounts for good student, multi-vehicle, early bird, TimeAway discount, bundled insurance, and accident-free.
  • Farm Bureau may have discounts that include 55 and retired, youthful driver, renewal discount, multi-vehicle, good student, and multi-policy.
  • State Farm offers premium reductions for driver’s education, multiple policy, Steer Clear safe driver discount, passive restraint, multiple autos, and good driver.
  • Travelers offers discounts for home ownership, new car, good student, multi-policy, and student away at school.
  • The Hartford includes discounts for air bag, vehicle fuel type, bundle, driver training, good student, and anti-theft.
  • Geico discounts include membership and employees, seat belt use, emergency military deployment, anti-lock brakes, daytime running lights, and multi-vehicle.
  • Progressive offers discounts including online quote discount, continuous coverage, multi-vehicle, multi-policy, homeowner, and online signing.

It’s a good idea to ask each company which discounts you may be entitled to. A few discounts may not apply to policies in your area. To view insurance companies who offer discounts, follow this link.

Special considerations

When it comes to choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions can help discover if your situation would benefit from an agent’s advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is an SR-22 filing?
  • Should I have a commercial auto policy?
  • Am I covered if I crash into my own garage door?
  • How much can I save by bundling my policies?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Learn about insurance coverages for a 1995 Buick Regal

Knowing the specifics of insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage pays for 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 the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, crashing into a building, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage provides protection from damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like structural damage, repair costs for stationary objects, bail bonds, medical services and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for hospital visits, chiropractic care, nursing services, doctor visits and dental work. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers 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 coverage protects against things like a broken windshield, a tree branch falling on your vehicle, rock chips in glass, falling objects and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

The bottom line

Cheaper 1995 Buick Regal insurance can be bought from both online companies and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get quotes online and many times these smaller providers provide coverage only through independent insurance agents.

When you buy insurance coverage online, it’s a bad idea to buy poor coverage just to save money. There are many occasions where someone dropped liability limits or collision coverage only to discover later that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at the best price while still protecting your assets.

We covered many ways to get a better price on 1995 Buick Regal insurance. The key thing to remember is the more you quote insurance coverage, the better your comparison will be. You may even find the lowest rates come from the smaller companies.

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Comments About 1995 Buick Regal Insurance

  1. Sharron Gibbs

    I compared a lot of rate quotes for a 1995 Buick Regal in Columbia, SC. Ended up at roughly $110 every six months with AAA. Have an at-fault accident tho.

  2. Huong Russell

    Nice post. From west side of Shreveport, LA. Compared quite a few companies. Saved darn near $30 a month. Allstate was the most affordable for me. Thankfully I have a good driving record. Can still barely afford it.

  3. Regena Marshall

    Not sure what I should be paying. I’m in the suburbs of Norfolk, VA. Quoted rates from USAA, American Family, GMAC, and Nationwide for my 1995 Buick Regal and I think I saved about $30 each month. Left GMAC to switch. Anyone else drop full coverage?

  4. Alanna Atkins

    Lots of good stuff here. Lifelong resident of Lewiston, Maine. Got car insurance prices from Western Auto Insurance, AAA, Liberty Mutual, and MetLife for my 1995 Buick Regal and I’m now saving $14 a month. I’m a pretty good driver though. Just go online and compare their rates. I’m thinking about dropping full coverage though.

  5. Zoila Ellison

    Cheaper car insurance is a myth. I live just to the west of Phoenix, AZ. Quoted with Allstate, AAA, and Erie for my Buick and I’m now saving $20 a month. Insured with AAA before. Did it all online. I don’t have comp or collision coverage.

  6. Oda Martin

    Is Progressive cheap in Columbus, Georgia?

  7. Estefana Cummings

    I’m in the east part of Evansville, IN. Compared rates from a lot of places. Saved darn near $30 a month. State Farm was the cheapest option for me. Did it all online.

  8. Ellis Wade

    Does GEICO have low rates for teen drivers?

  9. Angeles Gordon

    For me, Allstate was by far the cheapest in Tacoma, Washington.

  10. Megan Carver

    I went with GEICO at renewal. Best rates in Bridgeport, CT. Was with American Family. Are quotes cheaper online? Liability only on my Regal.