Lower Your 2011 Buick Regal Car Insurance Quotes

Wish you could get out of overpriced insurance coverage? You’re preaching to the choir because there are many people just like you. Online insurance companies like State Farm, Progressive and Geico all promote huge savings with fancy advertisements and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

Consumers should take time to compare prices every six months due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the lowest price for Regal coverage two years ago you can probably find a better rate quote now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the best way to get good coverage at a lower rate.

The Buick Regal insurance price equation

Consumers need to have an understanding of a few of the rating criteria that aid in calculating the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower auto insurance prices. Many things are used when premium rates are determined. Some factors are common sense like an MVR report, but other factors are more obscure such as your credit history or your commute time.

• Infrequent drivers can save – The more you drive each year the higher your rate. Almost all companies calculate rates based on their usage. Cars that are left in the garage cost less to insure than vehicles that have high annual mileage. It’s always a good idea to double check that your policy reflects how each vehicle is driven, because it can save money. Having an incorrect usage rating on your Regal may be costing you higher rates.
• Theft deterrents systems cut prices – Purchasing a vehicle with advanced anti-theft systems can help lower your rates. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping vehicle theft.
• Avoid unnecessary extra policy coverages – There are a lot of extra coverages that can add up on your auto insurance policy. Insurance for things like vanishing deductibles, towing coverage, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas when talking to your agent, but if you don’t need them think about removing them and cutting costs.
• Discounts for married drivers – Having a wife or husband can get you a discount on your policy. Having a significant other translates into being more financially stable and statistics prove drivers who are married file infrequent claims.
• How’s your driving record? – A bad driving record has a big impact on rates. Just one speeding ticket can increase rates to the point where it’s not affordable. Drivers who don’t get tickets pay less for auto insurance compared to bad drivers. Drivers who get careless violations such as DUI or reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive.
• Safety first – Safer cars can get you lower premiums. Highly rated vehicles reduce the chance of injuries and reduced instances of injuries means your insurance company pays less and more competitive rates for policyholders.

Cheapest insurance quotes

Finding a better price on insurance isn’t really that difficult. Just spend a few minutes on the computer to get quotes online from several insurance companies. Insurance prices can be quoted in several different ways.

1. The simplest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This quick form eliminates the need for boring form submissions for each price estimate. One simple form gets you coverage quotes instantly.
2. A more difficult way to compare prices requires you to visit each company’s website and request a quote. For example, we’ll pretend you need rates from Geico, Esurance and Allstate. To do that, you would have to spend time on each company’s site and punch in your information repeatedly, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just double check that you are using the exact same information for every company. If you use different deductibles then you won’t be able to decipher which rate is best.

Is there deception in advertising?

Drivers can’t escape the ads that claim the best prices from the likes of Progressive, Allstate and Geico. They all seem to make the promise that drivers will save a bundle just by switching your coverage to them.

How can each company make almost identical claims? Here is the trick they use.

Many companies have a preferred profile for the type of driver that will generate a profit. One example of a driver they prefer may be over the age of 35, has other policies, and drives a car with an anti-theft system. Any customer that meets those criteria receives the best car insurance rates and will save a lot if they switch.

Insureds who don’t measure up to this stringent profile will probably be forced to pay a higher premium and ends up with the customer buying from someone else. The ad wording is “people that switch” not “everybody who quotes” can get the lowest rates when switching. This is how companies can make the claims of big savings.

Because each company has a different risk profile, drivers should do a rate comparison at every renewal. It’s just too difficult to predict which insurance company will provide the lowest premium rates.

Lower rate quotes by receiving discounts

Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. Certain credits will be shown at the time of purchase, but some need to be inquired about before you get the savings.

• No Accidents – Drivers who stay claim-free have much lower rates in comparison with drivers who are more careless.
• 55 and Retired – Drivers over the age of 55 can get a slight reduction on a insurance quote for Regal coverage.
• Discounts for Safe Drivers – Drivers who don’t get into accidents could pay up to 40% less for Regal coverage than drivers with accident claims.
• Multi-car Discount – Buying insurance for primary and secondary vehicles on one policy can get a discount on all vehicles.
• Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction for Regal coverage with select insurance companies.
• Bundled Policy Discount – If you combine your home and auto policies and insure them with the same company you will save at least 10% off all policies.
• Active Military Service – Being deployed with a military unit could be rewarded with lower insurance coverage rates.
• Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
• Discount for Home Ownership – Owning your own home or condo can get you a discount since home ownership means you have a higher level of financial diligence.
• Renewal Discounts – Some companies reward drivers for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.

Policy discounts save money, but some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will definitely lower your policy premiums.

Larger insurance coverage companies and a selection of discounts can be found below.

• American Family discounts include defensive driver, air bags, TimeAway discount, Steer into Savings, mySafetyValet, good student, and good driver.
• Nationwide offers discounts for family plan, Farm Bureau membership, good student, easy pay, and defensive driving.
• MetLife has savings for multi-policy, good driver, good student, defensive driver, claim-free, accident-free
• 21st Century may offer discounts for defensive driver, homeowners, teen driver, air bags, 55 and older, and driver training.
• Farmers Insurance offers premium reductions for bundle discounts, homeowner, teen driver, youthful driver, early shopping, and distant student.
• Allstate includes discounts for resident student, good payer, senior citizen, premier discount, passive restraint, and new car.

It’s a good idea to ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be offered in your area.

Your auto insurance coverage should be tailored to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might help in determining whether your personal situation could use an agent’s help.

• Will I lose any money if I cancel my policy before it expires?
• Are all vehicle passengers covered by medical payments coverage?
• What exactly is covered by my policy?
• When would I need rental car insurance?
• Which companies will insure high-risk drivers?
• What are the best liability limits?
• Who is covered when they drive my 2011 Buick Regal?
• Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

The coverage is in the details

Having a good grasp of a auto insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average auto insurance policy.

Collision – Collision coverage pays for damage to your Regal resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, scraping a guard rail, hitting a parking meter, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your 2011 Buick Regal.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Liability coverages – Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, rock chips in glass and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses such as X-ray expenses, ambulance fees, hospital visits, funeral costs and surgery. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

More choices the merrier

You just learned a lot of ways to lower your 2011 Buick Regal insurance car insurance rates. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding low cost insurance. You may be surprised to find that the best price on insurance coverage is with a smaller regional carrier. These companies may often insure only within specific states and give getter rates compared to the large companies like Progressive or Geico.

Cheap 2011 Buick Regal insurance is attainable on the web in addition to many insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not offer online rate quotes and many times these small, regional companies work with independent insurance agencies.

When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. In too many instances, an insured cut liability limits or collision coverage and learned later they didn’t have enough coverage. The goal is to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

Helpful learning opportunities

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)