Searching for the cheapest auto insurance rates for your Buick Regal? Locating the cheapest insurance for a Buick Regal can be a painful process, but you can learn a few tricks to make it easier.
There are both good and bad ways to find auto insurance online so you’re going to learn the proper way to price shop coverage for a new or used Buick and get the lowest possible price either online or from local insurance agents.
Consumers should take time to do rate comparisons at least once a year because auto insurance prices fluctuate regularly. Even if you think you had the lowest quotes for Regal insurance a couple years back other companies may now be cheaper. There is lot of inaccurate information about auto insurance out there, but by reading this article, you’re going to learn some of the best techniques to lower your auto insurance bill.
Auto insurance companies don’t necessarily list all disounts very clearly, so the following is a list of some of the more common as well as some of the hidden credits that you can use to lower your rates.
As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
Larger auto insurance companies and some of their more popular discounts are:
If you are trying to find low cost car insurance quotes, ask every company what discounts are available to you. A few discounts may not apply to policies in every state. If you would like to view auto insurance companies with the best discounts, follow this link.
An important part of buying insurance is that you know the rating factors that aid in calculating your auto insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that may reward you with cheaper rates.
The factors shown below are a few of the “ingredients” used by companies to determine your rate level.
When it comes to buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.
These are some specific questions could help you determine if you might need professional guidance.
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.
Understanding the coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.
This coverage covers damage to your Regal from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like damaging your car on a curb, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Buick Regal.
Because many people 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 should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.
Comprehensive (Other than Collision)
This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as a tree branch falling on your vehicle, vandalism, a broken windshield, fire damage and hitting a bird. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical expense insurance
Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like surgery, pain medications and X-ray expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability coverage protects you from injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.
Liability insurance covers things such as repair costs for stationary objects, repair bills for other people’s vehicles, structural damage, bail bonds and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.
People leave their current company for a variety of reasons including being labeled a high risk driver, poor customer service, unfair underwriting practices or even lack of trust in their agent. Regardless of your reason for switching companies, finding a new auto insurance company can be easier than you think.
As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped physical damage coverage to discover at claim time that they should have had better coverage. The goal is to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.
In this article, we presented a lot of techniques to get a better price on 2000 Buick Regal insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from a lesser-known regional company.
To learn more, feel free to browse the articles below: