2013 Buick Regal Insurance Rates

Comparing insurance coverage quotes online may seem complicated initially if you are one of the millions of people new to online quoting. But don’t give up because online price shopping is actually quite simple.

Shopping for cheaper insurance coverage can be fairly easy. Just about everyone who buys insurance will more than likely be able to cut their insurance bill. But consumers must understand the methods companies use to sell insurance online and use this information to your advantage.

The easiest way to compare policy rates is to know the trick auto insurance companies actually pay money for the chance to give you rate quotes. To start a quote, the only thing you need to do is give them rating details like how you use your vehicles, if you lease or own, if your license is active, and if a SR-22 is required. The rating information is instantly submitted to many highly-rated insurers and you should receive rate quotes quickly.

To check car insurance prices now, click here and find out if lower rates are available.

Do you really save 40% when you switch?

Companies like Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies state the claim that people will save after switching to them. How does every company sell you cheaper insurance coverage? It’s all in how they say it.

Many companies give the best rates for a prospective insured that will generate a profit. For example, a profitable insured could possibly be between 30 and 50, is a homeowner, and drives less than 10,000 miles a year. Any customer that matches those criteria is entitled to the best price and will probably save if they switch.

Drivers who are not a match for the ideal profile may receive higher rates and this results in business not being written. The ads state “people who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make claims like that.

Because of this risk profiling, you really should get insurance coverage quotes from several different companies. It is impossible to guess which insurance companies will have the best car insurance rates for your profile.

Buick Regal insurance premium factors

An important part of buying insurance is that you know some of the elements that go into determining insurance coverage rates. If you understand what determines premiums, this enables you to make decisions that may result in lower premium levels.

• Avoid policy lapses – Not having insurance can get you a ticket and as a result your rates will increase for letting your coverage lapse. In addition to paying higher premiums, getting caught without coverage might get you a license revocation or jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• Get married and pay less – Having a significant other may earn you lower rates when shopping for insurance coverage. Having a spouse means you’re more mature than a single person and it’s proven that being married results in fewer claims.
• Better premiums with anti-theft devices – Driving a car with advanced anti-theft systems can save you a little every year. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping your vehicle from being stolen.
• Low coverage deductibles mean high costs – Physical damage protection, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some examples of claims that would be covered would be a broken windshield, damage caused by hail, or theft. Deductibles for physical damage are the amount of money the insured will be required to pay if you file a covered claim. The higher the amount you have to pay, the bigger discount you will receive on Regal coverage.

Discount insurance coverage rates

Insuring your vehicles can cost a lot, but you might find some hidden discounts to help offset the cost. A few discounts will be applied when you purchase, but some discounts are required to be specially asked for before they will apply.

• Defensive Driving Course – Taking a defensive driver course could save 5% or more and make you a better driver.
• Save with a New Car – Buying a new car instead of a used car can save you some money due to better safety requirements for newer vehicles.
• Paperwork-free – A few companies provide a small discount get insurance coverage online.
• Pay Now and Pay Less – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid the installment charge.
• Good Student – Being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
• Cautious Drivers – Safe drivers could pay up to 40% less on Regal coverage than their less cautious counterparts.
• Own a Home – Owning your own home or condo can save you money because owning a home means you have a higher level of financial diligence.

Policy discounts save money, but some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will help reduce your policy premium.

To view companies with the best insurance coverage discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

For example, these questions may help highlight if you would benefit from professional advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Is my nanny covered when driving my vehicle?
• Which companies will insure high-risk drivers?
• Does insurance cover tools stolen from my truck?
• Who is covered by my policy?
• Can I rent a car in Mexico?
• Does medical payments coverage apply to all occupants?
• What is no-fault insurance?
• Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Parts of your auto insurance policy

Understanding the coverages of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Buick Regal.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, damage from flooding and falling objects. The maximum payout a auto insurance company will pay at claim time 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.

Liability insurance

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

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as loss of income, structural damage and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills such as chiropractic care, EMT expenses and hospital visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

At the end of the day…

Discount 2013 Buick Regal insurance can be sourced both online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer rate quotes online and most of the time these smaller providers provide coverage only through independent agents.

As you restructure your insurance plan, do not buy less coverage just to save a little money. There are many occasions where drivers have reduced collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Insureds who switch companies do it for a variety of reasons including denial of a claim, policy non-renewal, policy cancellation or even being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company can be easier than you think.

Additional information can be read below:

• Teen Driving and Texting (State Farm)
• Safety Belts FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• What is a Telematics Device? (Allstate)
• Child Safety FAQ (iihs.org)