Cheaper 2000 Buick Regal Car Insurance Quotes

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 Discounts

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.

• Accident Waiver – This isn’t a discount exactly, but companies like Libery Mutual, Geico and Allstate allow you one accident before they charge you more for coverage with the catch being you have to be claim-free for a set time period.
• Membership in Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your bill.
• Active Service Discounts – Having an actively deployed family member could be rewarded with lower auto insurance rates.
• Resident Student – Older children who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.
• Safe Drivers – Insureds who avoid accidents can pay as much as 50% less for Regal insurance compared to accident prone drivers.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a car insurance quote.
• Onboard Data Collection – Drivers that enable their insurance company to scrutinize when and where they use their vehicle remotely such as Progressive’s Snapshot could save a few bucks as long as the data is positive.
• Senior Citizen Discount – If you qualify as a senior citizen, you can get a small discount on rates for Regal insurance.

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:

• State Farm has discounts for good driver, anti-theft, safe vehicle, driver’s education, passive restraint, accident-free, and defensive driving training.
• Geico offers premium reductions for emergency military deployment, air bags, military active duty, defensive driver, seat belt use, driver training, and membership and employees.
• Liberty Mutual discounts include good student, teen driver discount, new vehicle discount, preferred payment discount, and multi-car.
• The Hartford includes discounts for driver training, good student, anti-theft, air bag, bundle, defensive driver, and vehicle fuel type.
• MetLife offers discounts for accident-free, good student, good driver, defensive driver, multi-policy, claim-free
• Progressive may have discounts that include online signing, good student, homeowner, continuous coverage, multi-policy, online quote discount, and multi-vehicle.

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.

The Buick Regal insurance cost equation

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.

• Annual mileage and car insurance rates – The more you drive every year the more it will cost to insure it. Most companies calculate rates based on how the vehicle is used. Autos not used for work or commuting receive better premium rates than vehicles that have high annual mileage. Improper usage on your Regal may be costing you higher rates. Double check that your auto insurance coverage is showing how each vehicle is driven.
• Save money by raising deductibles – The deductibles are how much you are required to pay if a covered claim is submitted. Physical damage insurance, aka comp and collision, covers damage that occurs to your car. A few examples of covered claims could be a windshield broken by a bird, fire damage, and having a roll-over accident. The more you have to pay, the bigger discount you will receive for Regal insurance.
• Rural areas have lower rates – Residing in a rural area can save you money when buying auto insurance. Less people means reduced accidents in addition to fewer liability claims. Residents of big cities regularly have much more traffic and a longer drive to work. More time behind the wheel means more chances of being involved in an auto accident.
• Use one insurance company and save – Many auto insurance companies apply a discount to buyers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount consumers should still check prices from other companies to confirm you are receiving the best rates possible.
• Why do you need liability? – A critical coverage on your policy, liability insurance is the protection if you are ruled to be at fault for damages caused by your negligence. It provides you with a defense in court which can cost a lot. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
• A good credit rating can save money – Having a good credit history is a large factor in determining your rates. Therefore, if your credit can use some improvement, you could potentially save money when insuring your 2000 Buick Regal by repairing your credit. Insureds that have excellent credit scores tend to be better risks to insure than drivers with poor credit scores.

Tailor your insurance coverage coverage to you

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.

• Do I need PIP (personal injury protection) coverage in my state?
• Should I get collision insurance on every vehicle?
• When can my company non-renew my policy?
• Is my teen driver covered when they drive my company car?
• Should I buy more coverage than the required minimum liability coverage?
• Do I have newly-aquired coverage?

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.

Car insurance policy specifics

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.

Collision insurance

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 coverages

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.

The bottom line

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:

• Property Damage Coverage (Liberty Mutual)
• Learn About Car Insurance (Geico)
• Car Insurance: When not to Skimp (BankRate.com)
• All About Airbag Safety (State Farm)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)