2001 Buick Regal Insurance Cost – 10 Discounts for Cheapest Prices

Want the cheapest insurance rates? Drivers have options when trying to find the best price on Buick Regal insurance. You can either spend your time struggling with agents to get rate comparisons or leverage the internet to find the lowest rates. There is a better way to find insurance online and you need to know the best way to price shop coverage for your Buick and get the lowest possible price from local insurance agents and online providers.

You need to compare premium rates once or twice a year because insurance prices are usually higher with each renewal. Even if you think you had the lowest price on Regal coverage last year you can probably find a better rate now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to one of the easiest ways to eliminate unnecessary coverages and save money.

Insurance policy discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that you may not even be aware of. Certain credits will be shown when you complete an application, but occassionally some discounts must be inquired about before you will receive the discount. If they aren’t giving you every credit available, you may be paying too high a price.

• Federal Employees – Federal government employees could qualify for a slight premium decrease on Regal coverage with select insurance companies.
• Discount for Low Mileage – Low annual miles could be rewarded with lower prices on the low mileage vehicles.
• Drive Safe and Save – Insureds without accidents can save up to 40% or more on their insurance quote on Regal coverage than their less cautious counterparts.
• Driver’s Education for Students – Have your child enroll in driver’s education if offered at their school.
• Good Student Discount – Maintaining excellent grades may save you up to 25%. The good student discount can last up to age 25.
• Life Insurance Discount – Some companies give a discounted price on car insurance if you buy a life insurance policy as well.
• Accident Waiver – but a handful of insurance companies may permit one accident without raising rates so long as you haven’t had any claims for a set time period.
• Own a Home – Owning a home can earn you a little savings because maintaining a house is proof of financial responsibility.
• Discount for Swiching Early – A few insurance companies allow discounts for switching companies early. It can save you around 10%.
• Driver Training Discounts – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.

Consumers should know that most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you can get free auto insurance, insurance companies aren’t that generous.

A list of insurance companies and the discounts they provide can be found below.

• Mercury Insurance discounts include location of vehicle, good student, ease of repair, annual mileage, multi-car, and accident-free.
• Farmers Insurance policyholders can earn discounts including pay in full, alternative fuel, switch companies, good student, mature driver, business and professional, and bundle discounts.
• Farm Bureau has discounts for youthful driver, multi-vehicle, driver training, 55 and retired, good student, and multi-policy.
• State Farm may have discounts that include passive restraint, Steer Clear safe driver discount, driver’s education, Drive Safe & Save, accident-free, good driver, and student away at school.
• Allstate offers premium reductions for anti-theft, premier plus, auto/life discount, new car, FullPay discount, utility vehicle, and passive restraint.
• Geico may offer discounts for multi-policy, driver training, good student, multi-vehicle, seat belt use, and emergency military deployment.

If you want cheap insurance quotes, ask all companies you are considering to apply every possible discount. Savings might not be available to policyholders in your state. If you would like to choose from a list of insurance companies who offer online insurance quotes, click here.

How do I know if I need professional advice?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions might help in determining if your situation may require specific advice.

• Do I need motorclub coverage?
• Does having multiple vehicles earn me a discount?
• Who is covered by my policy?
• Is borrowed equipment or tools covered if stolen or damaged?
• What discounts do I qualify for?
• Do I need PIP coverage since I have good health insurance?
• Which companies will insure high-risk drivers?
• What can I do if my company won’t pay a claim?
• Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

The coverage is in the details

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability auto insurance – Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, medical expenses, loss of income and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Buick Regal.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverages – This coverage covers damage to your Regal resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, backing into a parked car, colliding with a tree, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, falling objects and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time 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.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for immediate expenses such as funeral costs, EMT expenses, doctor visits and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Online plus local equals savings

We just presented many ideas to get a better price on 2001 Buick Regal insurance. It’s most important to understand that the more companies you get premium rates for, the better your comparison will be. Consumers could even find that the most savings is with a smaller regional carrier.

Consumers leave their current company for many reasons like policy non-renewal, denial of a claim, delays in responding to claim requests and even an unsatisfactory settlement offer. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

Low-cost 2001 Buick Regal insurance can be bought both online as well as from insurance agents, and you should be comparing both to have the best selection. A few companies may not offer rates over the internet and most of the time these smaller providers sell through local independent agents.

More detailed insurance coverage information can be found in these articles:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Comprehensive Coverage (Liberty Mutual)
• Credit and Insurance Scores (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)