2012 Buick Regal Insurance Quotes – 7 Policy Discounts

Searching for cheaper insurance for your Buick Regal can normally be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to compare insurance rates so we’re going to tell you the quickest way to quote coverages for a new or used Buick and find the best price possible either online or from local insurance agents.

Smart consumers take time to get comparison quotes at least once a year because insurance rates are rarely the same from one policy term to another. If you had the lowest premium rates for Regal insurance a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to quote online to find the best coverage while lowering your premiums.

Get cheap rates with these seven auto insurance discounts

Some providers don’t list every possible discount in a way that’s easy to find, so we researched some of the best known as well as some of the hidden credits available to bring down your rates. If you don’t get every credit available, you could be paying more than you need to.

  • Safe Driver Discount – Insureds who avoid accidents may receive a discount up to 45% for Regal insurance compared to accident prone drivers.
  • Sign Online – Some insurance companies will give a small break for signing up on their website.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control are much safer to drive and will save you 10% or more.
  • Early Switch Discount – A few insurance companies give discounts for switching to them prior to the expiration date on your current policy. It can save you around 10%.
  • Pay Early and Save – By paying your entire bill at once rather than spreading payments over time you can actually save on your bill.
  • Homeowners Pay Less – Being a homeowner can save a few bucks because owning a home means you have a higher level of financial diligence.
  • Passenger Safety Discount – Factory air bags or automatic seat belts could see savings as much as 30%.

While discounts sound great, it’s important to understand that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, nobody gets a free ride. Any qualifying discounts will definitely lower the amount you have to pay.

A partial list of companies that may offer policyholders most of these discounts may include but are not limited to:

When quoting, ask all the companies which discounts they offer. Depending on the company, some discounts may not be offered in your area. To see companies that provide some of the discounts listed above, follow this link.

Which car insurance is cheapest?

Effectively comparing car insurance prices can be a daunting task if you don’t know the most efficient way to do it. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use the web to get prices fast.

Most of the best insurance companies belong to an insurance system where prospective buyers submit one quote, and at least one company then gives them pricing. This system prevents you from having to do quote forms to each individual car insurance company. To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to getting quotes like this is you cannot specify which carriers you will receive quotes from. So if you prefer to pick specific providers to receive pricing from, we have a page of low cost car insurance companies in your area. Click to view list.

Which method you use is up to you, but do your best to use identical information on every quote. If the quotes have mixed coverages then you won’t be able to determine which company has the best rates.

Insurance coverage can get complicated

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique.

For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • When should I drop full coverage on my 2012 Buick Regal?
  • Is my trailer covered?
  • Should I have a commercial auto policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is motorclub coverage worth it?
  • How much liability do I need to cover my assets?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Car insurance policy specifics

Having a good grasp of car insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses such as funeral costs, surgery, pain medications and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability – This protects you from damage or injury you incur to other’s property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as pain and suffering, legal defense fees and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision – Collision insurance will pay to fix damage to your Regal resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, colliding with a tree, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, vandalism, falling objects and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Make a quick buck

When shopping online for insurance coverage, make sure you don’t buy poor coverage just to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to discover later that it was a big error on their part. Your goal is to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

Cost effective 2012 Buick Regal insurance can be sourced both online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies do not provide online rate quotes and usually these smaller providers only sell coverage through local independent agents.

We’ve covered a lot of ways to reduce 2012 Buick Regal insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. You may even discover the most savings is with a small mutual company.

More tips and info about insurance coverage is located in these articles:

Comments About 2012 Buick Regal Insurance

  1. Kevin Gilbert

    Does Utah have minimum liability requirements?

  2. Kyoko Mcintyre

    Located in Philadelphia, PA. Quoted prices online for a 2012 Buick Regal. Ended up at about $470 savings annually. Went with State Farm. I get lower rates because of my clean driving record. Did it all online.

  3. Calandra Mcknight

    If you have a good history and live in the vicinity of New York City, NY, check out Allstate. They seem to be cheaper. Left Esurance to switch. I get lower rates because of my clean driving record. Are quotes cheaper online?

  4. Keven Wilder

    If you have a clean record and are close to Norman, Oklahoma, check out Progressive. You might save some money. I’m a pretty low risk driver. Hardly afford to drive anymore.

  5. Florentino Barrera

    From northwest of Gaithersburg, MD. Quoted a bunch of companies. Saved roughly $30 a month. GEICO was the best choice for me. Was with GEICO. I get multi-vehicle and multi-policy discounts.

  6. Taunya Ford

    Cheap is relative. I’m just south of Warren, MI. Quoted rates from Auto-Owners, Sentry, and USAA for my 2012 Buick Regal and I think I saved about $60 each month. Was with Hartford. LOL

  7. Elmer Bradshaw

    Nice post. I live on the west side of Charleston, SC. Got car insurance prices from 21st Century, AIG Insurance, and some I forget for my Regal and cut my rates about $460 a year. I have a teen driver too. I just quoted rates online.

  8. Garrett Patrick

    All companies are crooks. Live in the western part of Rio Rancho, NM. Checked online prices for a 2012 Buick Regal. Ended up at about $560 savings annually. Went with State Farm. Can still barely afford it.

  9. Arlyne May

    Here’s what I found out. From northwest of Idaho Falls, ID. Got quotes with AIG Insurance, Esurance, and Mercury for my Regal and I’m now saving $63 a month.

  10. Latrina Bates

    Live in the eastern part of Rapid City, South Dakota. I compared lots of rates. Saved right around $60 a month. Progressive was the best choice for me. Left AAA to switch. It’s easy to compare rates online now.

  11. Carolin Madden

    Nice post. I’m in the west part of Kansas City, KS. Quoted rates from American Family, Mercury, and Travelers for my Buick and saved $468 a year. I used their website to get prices.

  12. Donnetta Sanford

    Cheap car insurance? What’s that? I live just outside Shreveport, LA. Quoted with Auto-Owners, Farmers, and Nationwide for my Regal and am saving around $400 a year. I think they have home insurance too. Can still barely afford it.

  13. Abbey Page

    Anyone know if GEICO does SR-22s?

  14. Clarita Salazar

    If you have a clean record and live in the vicinity of Biloxi, MS, check out Progressive. They seem to be cheaper. Left Travelers to switch.

  15. Michele Schmidt

    I found pretty cheap rate quotes for a 2012 Buick Regal in Rutland, VT. Ended up at about $220 every six months with AAA.