Compare 2003 Buick Regal Insurance Rates

Want the cheapest insurance rates for your Buick Regal? Are you drained from sacrificing other expenses to insure your Buick every month? You are in the same boat as many other drivers.

Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare insurers and get the definite best price available.

Buy insurance online

Shopping for lower insurance rates can take hours if you don’t understand the most efficient way to do it. You could spend the better part of a day talking to agents in your area, or you can utilize the internet to quickly compare rates.

Many companies belong to an insurance system where prospective buyers enter their coverage request one time, and each company then returns a price quote. This prevents consumers from doing form submissions to each company.

To get comparison pricing now click here (opens in new window).

The only drawback to doing it this way is you can’t choose the companies you will receive quotes from. So if you prefer to choose from a list of companies to receive pricing from, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

Compare rates however you want, just make absolute certain that you use identical coverage information for every company. If the quotes have differing limits it will be impossible to make a fair comparison for your Buick Regal. Quoting even small variations in coverages may result in large price differences. And when comparison shopping, obtaining a wide range of quotes will improve the odds of getting better pricing.

Lower your insurance prices

Many factors are taken into consideration when you get a price on insurance. Some of the criteria are obvious like an MVR report, but some are not quite as obvious such as whether you are married or how safe your car is.

• Don’t cut corners with liability insurance – The liability coverage on your policy will provide protection in the event that you are ruled to be at fault for an accident. This coverage provides legal defense up to the limits shown on your policy. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Cheaper rates with safer cars – Safer cars can get you lower premiums. The safest vehicles reduce injuries and better occupant protection means less claims paid which can result in lower premiums.
• Poor driving habits leads to higher premiums – Even one chargable violation may cause rates to rise by as much as thirty percent. Careful drivers get better prices than their less careful counterparts. Drivers who have license-revoking violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to maintain a SR-22 to the state department of motor vehicles in order to keep their license.
• Single drivers may pay more – Having a spouse may earn you lower rates compared to being single. Having a significant other generally demonstrates drivers are more mature and responsible it has been statistically shown that being married results in fewer claims.

Use discounts to get cheaper car insurance rates

The price of auto insurance can be rather high, but you may find discounts that you may not know about. Some trigger automatically when you complete an application, but a few need to be manually applied before being credited.

• Claim Free – Good drivers with no accidents pay less when compared to frequent claim filers.
• Full Payment Discount – If you pay your bill all at once instead of making monthly payments you may have a lower total premium amount.
• Early Signing – Some car insurance companies provide a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
• ABS Braking Discount – Cars and trucks with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Discount for Good Grades – Being a good student may save as much as 25% on a auto insurance quote. You can use this discount normally well after school through age 25.
• Life Insurance – Some insurance carriers give a discounted premium rate on car insurance if you buy auto and life insurance together.
• Bundled Policy Discount – If you combine your home and auto policies with one company you could save approximately 10% to 15%.
• Good Driver Discounts – Drivers who don’t get into accidents may save up to 50% more on Regal insurance as compared to drivers with claims.
• Professional Memberships – Being in a professional or civic organization could trigger savings on car insurance.
• Telematics Data Discounts – Policyholders that allow companies to track where and when they drive by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates as long as the data is positive.

Remember that most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, it’s just not the way it works.

A few popular companies and a summarized list of policyholder discounts are:

• Geico policyholders can earn discounts including anti-theft, anti-lock brakes, federal employee, good student, and seat belt use.
• Travelers discounts include hybrid/electric vehicle, student away at school, early quote, payment discounts, home ownership, multi-car, and save driver.
• Farm Bureau may include discounts for 55 and retired, youthful driver, good student, multi-vehicle, multi-policy, and safe driver.
• Liberty Mutual may have discounts that include newly married, new move discount, preferred payment discount, safety features, hybrid vehicle, newly retired, and good student.
• American Family offers discounts for good driver, bundled insurance, accident-free, multi-vehicle, and air bags.
• Progressive offers discounts including multi-vehicle, good student, online signing, homeowner, and online quote discount.

If you need lower rates, check with all the companies to apply every possible discount. Savings may not be offered in your area. If you would like to see a list of insurers that offer some of these discounts, click here to view.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that These are some specific questions might help in determining if your insurance needs might need professional guidance.

• Will my vehicle be repaired with OEM or aftermarket parts?
• Is rental equipment covered for theft or damage?
• Should I sign the liability waiver when renting a car?
• Is business equipment covered while in my vehicle?
• Do I need PIP (personal injury protection) coverage in my state?
• Which companies will insure high-risk drivers?
• What is the ISO rating for a 2003 Buick Regal?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverages explained

Having a good grasp of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.

Coverage for collisions

Collision coverage pays for damage to your Regal from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, driving through your garage door, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like bail bonds, medical services and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, damage from a tornado or hurricane, damage from getting keyed, fire damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like dental work, chiropractic care, surgery, X-ray expenses and ambulance fees. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Buick Regal.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Make an honest buck

Discount 2003 Buick Regal insurance can be sourced from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers don’t offer price quotes online and many times these smaller companies work with local independent agencies.

When trying to cut insurance costs, do not skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Additional information can be found below:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Rollover Crash FAQ (iihs.org)
• Vehicle Safety Ratings (iihs.org)