Cheaper 1997 Buick Regal Insurance Quotes

Want the cheapest auto insurance rates for your Buick Regal? Trying to find the cheapest insurance for your Buick Regal can turn out to be an all-consuming task, but you can follow our auto insurance buying tips to save time.

There is a right way and a wrong way to buy auto insurance and you need to know the proper way to price shop coverage for your Buick and find the lowest price.

It’s a great practice to get comparison quotes quite often because auto insurance prices tend to go up over time. Even if you got the lowest rates for Regal coverage two years ago 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 online quotes to lower your rates without sacrificing coverage.

Quote auto insurance online

Finding a lower price on 1997 Buick Regal insurance is an easy way to save money. All you need to do is spend a few minutes on the computer to compare free car insurance quotes from online providers. This can be done in just a few minutes using one of these methods.

• The fastest and easiest way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This form keeps you from doing separate quotation requests for each price estimate. In just a few minutes this one form compares rates from several companies. This is perfect if you don’t have a lot of time.
• A less efficient way to analyze rates requires visiting the website of each company and repeat the quote process again and again. For example, let’s say you want to view quotes from Geico, Esurance and Travelers. In order to get each rate, you would have to take the time to go to each site and punch in your information repeatedly, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
• The final way to compare price quotes to each insurance agency near you. Quoting online has reduced the need for local agents unless you have a need for the trained advice of an agent trained in personal lines coverage. However, consumers can comparison shop online but have your policy serviced through an agent.

You can use whichever method you prefer to find lower rates, just make darn sure you compare exactly the same coverage limits and deductibles for each quote you get. If you have different deductibles it will be very difficult to make a fair rate comparison.

Auto insurance policy discounts

Auto insurance can be pricey, but there may be some discounts to cut the cost considerably. Most are applied at the time you complete a quote, but a few need to be manually applied before you get the savings.

• Fewer Miles Equal More Savings – Keeping the miles down on your Buick can earn discounted auto insurancerates on garaged vehicles.
• Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and earn discounts up to 10% off your car insurance quote.
• Federal Government Employee – Employees or retirees of the government could provide a small rate reduction for Regal coverage with a few auto insurance companies.
• No Charge for an Accident – Not necessarily a discount, but a few companies such as Libery Mutual, Geico and Allstate will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free before the accident.
• Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
• Auto/Life Discount – Select auto insurance companies reward you with a break if you buy auto and life insurance together.
• ABS Braking Discount – Cars that have anti-lock braking systems can avoid accidents and will save you 10% or more.

As a footnote on discounts, most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Companies and some of their more popular discounts are shown below.

• State Farm may offer discounts for multiple policy, accident-free, multiple autos, Steer Clear safe driver discount, and defensive driving training.
• Geico has discounts for good student, federal employee, driver training, daytime running lights, multi-policy, and multi-vehicle.
• Progressive offers discounts including continuous coverage, good student, online quote discount, multi-vehicle, online signing, and homeowner.
• 21st Century discounts include early bird, homeowners, good student, 55 and older, theft prevention, automatic seat belts, and student driver.
• American Family includes discounts for early bird, mySafetyValet, good student, Steer into Savings, multi-vehicle, TimeAway discount, and good driver.
• The Hartford policyholders can earn discounts including vehicle fuel type, anti-theft, bundle, defensive driver, driver training, and good student.
• AAA offers discounts for multi-car, pay-in-full, anti-theft, education and occupation, good student, and good driver.

Check with each insurance company which discounts you may be entitled to. Some discounts listed above might not be offered in your area. If you would like to view providers that offer multiple discounts, click this link.

How your Regal insurance prices are determined

An important part of buying insurance is that you know the different types of things that play a part in calculating your premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower rates.

• Responsible credit scores equal low premiums – Having a bad credit score is likely to be a major factor in determining what you pay for car insurance. If your credit score is lower than you’d like, you could be paying less to insure your 1997 Buick Regal by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores.
• Decrease car insurance rates by maintaining coverage – Allowing your car insurance policy to lapse is a quick way to increase your car insurance rates. In addition to paying higher rates, the inability to provide proof of insurance will get you fines and jail time. You may then have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• City dwellers may pay more – Having an address in a rural area is a positive aspect when talking about car insurance. Drivers in populated areas tend to have much more traffic and longer commute times. Less people living in that area corresponds to lower accident rates and lower theft and vandalism rates.
• Youthful drivers cost more – More mature drivers are proven to be safer behind the wheel, statistically cause fewer accidents .Inexperience drivers are statistically proven to be inattentive in a vehicle so they pay higher car insurance rates.

How do I know if I need professional advice?

When it comes to choosing the right insurance 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 aid in determining if your situation may require specific advice.

• Why does it cost so much to insure a teen driver?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need replacement cost coverage on my 1997 Buick Regal?
• What is covered by UM/UIM coverage?
• Is my ex-spouse still covered by my policy?
• If I drive on a suspended license am I covered?
• Can I drive in Mexico and have coverage?
• How do I insure my teen driver?
• Do I need rental car coverage?
• Is my 1997 Buick Regal covered for smoke damage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Tricks in auto insurance advertising

Drivers can’t escape the ads that claim the best prices by companies like 21st Century, Allstate and State Farm. They all seem to advertise the message that you can save if you just switch your coverage.

How is it plausible that every one can charge less that you’re paying now? It’s all in the numbers.

Insurance companies have underwriting criteria for the type of driver that will generate a profit. An example of a driver they prefer might be described as over the age of 45, has other policies, and drives a vehicle with a low ISO rating. Any new insured who fits those characteristics receives the best rates and therefore will save a lot if they switch.

Potential customers who fall short of the “perfect” profile must pay higher rates and this results in the prospect going elsewhere. The ads say “people that switch” not “everyone who quotes” save that much when switching. That’s why companies can truthfully lure you into getting a quote.

Each company has different criteria, so you really should get as many free car insurance quotes as possible. It is just not possible to predict which company will give you the biggest savings.

Detailed coverages of your insurance policy

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Buick Regal.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto liability

Liability coverage protects you from damage or injury you incur to other’s property or people. 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: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like loss of income, court costs and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, hail damage, falling objects, rock chips in glass and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, hitting a parking meter, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like dental work, ambulance fees, surgery, nursing services and pain medications. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

More effort can pay off

People who switch companies do it for any number of reasons including not issuing a premium refund, high prices, policy non-renewal or delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.

In this article, we presented a lot of tips how to reduce 1997 Buick Regal insurance rates online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding low cost car insurance. Drivers may discover the best price on insurance is with some of the smallest insurance companies.

Budget-friendly insurance can be sourced from both online companies as well as from independent agents, so you should compare both to have the best selection. Some companies may not provide rate quotes online and these small insurance companies prefer to sell through independent agents.

Even more information is located in the articles below:

• State Laws for Cellphones and Texting (iihs.org)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• All About Airbag Safety (State Farm)
• Drunk Driving Statistics (Insurance Information Insitute)