1999 Buick Regal Car Insurance Rates – 8 Tips for Best Quotes

Trying to find the cheapest insurance coverage rates for your Buick Regal? Searching for the cheapest insurance for a Buick Regal can be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the proper way to price shop coverage on a Buick and obtain the lowest price from both online companies and local agents.

Buying more affordable protection is quite easy. If you have a current auto insurance policy or are just looking to switch companies, you can use these tips to find the best rates while maximizing coverage. Drivers just need to learn the most efficient way to find the lowest price over the internet.

How to get free insurance quotes online

Finding cheap 1999 Buick Regal insurance rates isn’t really that difficult. You just need to take time to get quotes to see which company has cheaper car insurance quotes. This can be done using a couple different methods.

  1. One of the simplest ways to find low rates is to use a rate comparison form (click to open form in new window). This quick form prevents you from having to do boring form submissions for every insurance company. Filling out one form gets insurance cost estimates from several companies. This is by far the quickest method.
  2. A more time consuming way to get quotes online requires a trip to the website for each individual company and complete a new quote form. For instance, let’s assume you need rates from Nationwide, Progressive and GMAC. You would be required to navigate to each company’s site to input your insurance information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, ensure you’re using apples-to-apples coverage limits and deductibles with every price quote. If the quotes have unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate.

Why you might not save $440 a year

Consumers can’t get away from ads for cheaper car insurance by companies like State Farm, Allstate and Geico. They all tend to make the same promise that drivers can save some big amount after switching your policy.

How does every company make the same claim? It’s all in the numbers.

Different companies can use profiling for the type of driver that will be a good risk. For example, a profitable risk profile might be between the ages of 30 and 50, is a homeowner, and has a short commute. A driver who matches those parameters will get the preferred auto insurance rates and therefore will save when switching.

Insureds who cannot meet these standards must pay higher premium rates which leads to the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” but not “everyone who gets a quote” save that much money. This is how companies can advertise the savings.

This emphasizes why you really should get car insurance quotes from several different companies. It’s impossible to know which insurance companies will give you the biggest savings.

Find hidden discounts on insurance

The price of auto insurance can be rather high, but there’s a good chance there are discounts that you may not even be aware of. Certain discounts will be applied at quote time, but a few must be inquired about prior to receiving the credit.

  • Safety Course Discount – Passing a class that teaches driver safety techniques could save 5% or more if your company offers it.
  • Discount for Passive Restraints – Options like air bags or motorized seat belts may earn rate discounts up to 30%.
  • Paperwork-free – Some of the larger companies may give you up to $50 for buying your policy over the internet.
  • Save with a New Car – Insuring a new car can save you some money because new vehicles keep occupants safer.
  • Anti-lock Brakes – Cars with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Driver’s Education for Students – Cut your cost by having your teen driver sucessfully take a drivers education course in high school.
  • Multi-car Discount – Purchasing coverage when you have more than one vehicle on the same insurance policy may reduce the rate for each vehicle.
  • Discount for Low Mileage – Driving less may allow you to get lower insurancerates on the low mileage vehicles.

Please keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

The best insurance companies and some of the premium reductions they offer are outlined below.

  • AAA includes discounts for good driver, anti-theft, pay-in-full, good student, multi-policy, education and occupation, and AAA membership discount.
  • Progressive offers discounts for multi-vehicle, online signing, continuous coverage, homeowner, and good student.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, passive restraint, defensive driving training, multiple policy, accident-free, safe vehicle, and driver’s education.
  • Esurance may have discounts that include online quote, good driver, claim free, Pac-12 alumni, and Switch & Save.
  • Nationwide discounts include accident-free, easy pay, good student, Farm Bureau membership, and anti-theft.

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts might not be offered in your area. To choose insurers who offer insurance discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is no one size fits all plan. Each situation is unique.

For instance, these questions can aid in determining if your situation could use an agent’s help.

  • Is my state a no-fault state?
  • Why do I only qualify for high-risk insurance?
  • Can I make deliveries for my home business?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance policy specifics

Learning about specific coverages of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability coverage

Liability insurance provides protection from damage that occurs to other people or property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, structural damage, loss of income, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, hitting a deer, fire damage, vandalism and damage from flooding. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for dental work, rehabilitation expenses, prosthetic devices, hospital visits and funeral costs. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

A penny saved is a penny earned

We covered some good ideas how you can shop for 1999 Buick Regal insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the most savings is with a small mutual company.

People change insurance companies for a number of reasons such as being labeled a high risk driver, high prices, delays in paying claims or even unfair underwriting practices. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.

When searching for low cost car insurance quotes, don’t be tempted to reduce coverage to reduce premium. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret that they should have had better coverage. The goal is to buy enough coverage at the best cost while not skimping on critical coverages.

More tips and info about car insurance is located by following these links:

Comments About 1999 Buick Regal Insurance

  1. Carolee Durham

    I’m from Cedar Rapids, IA. Quoted with Amica, Nationwide, and USAA for my Regal and saved $86 a year. Online quotes are the way to go. I don’t put full coverage on it.

  2. Yang Mcleod

    Cheap car insurance? What’s that? I live in Jackson, Mississippi. Can’t remember who all I quoted but I ended up saving about $20 each month. Insured with Liberty Mutual before. It’s too old for full coverage.

  3. Treasa Anderson

    Here’s what I found out. Quoted with The General for my Buick and cut my rates about $90 a year. LOL It’s only liability tho.

  4. Stasia Flowers

    Here’s my quote info. Located in Baltimore, Maryland. I compared lots of rates. Saved darn near $20 a month. 21st Century was the cheapest for me. I just quoted rates online. When should I drop full coverage?

  5. Taylor Coffey

    Live in Green Bay, WI. Don’t remember every company but I ended up saving about $30 each month. I have kids on my policy, too. Not sure about claim service. It’s too old for full coverage.

  6. Kandy Vega

    I live on the east side of Baton Rouge, LA. Got car insurance quotes with AAA, MetLife, and a few others for my 1999 Buick Regal and saved around $80 a year. Thankfully I have a good driving record. I don’t have comp or collision coverage.

  7. Beverley Mayer

    Proud to be from Norfolk, Virginia. Quoted with American Family, MetLife, and some smaller one I can’t remember the name of for my Buick and I’m now saving $21 a month.

  8. Janean Browning

    Great info, thanks for posting. I’m in the south part of Kansas City, Kansas. I quoted with 21st Century, AIG Insurance, Erie, and The General for my 1999 Buick Regal and I’m now saving $16 a month. Left MetLife to switch. It’s too old for full coverage.