2014 Buick Regal Insurance Quotes

Searching for the cheapest insurance rates? Consumers have many options when looking for low-cost Buick Regal insurance. You can either waste hours calling around trying to get quotes or utilize the internet to get rate quotes.

There is a right way and a wrong way to buy insurance so you’re going to learn the proper way to price shop coverage for a Buick and obtain the cheapest rates.

The purpose of this post is to let you in on the best way to quote coverages and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these techniques. Drivers just need to know the proper way to get comparison quotes on the web.

Verify you’re applying every discount

Car insurance is not cheap, but you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be manually applied prior to getting the savings. If you’re not getting every credit available, you could be saving more on your car insurance.

• Discounts for Good Drivers – Safe drivers can pay as much as 50% less on Regal insurance compared to rates paid by drivers with frequent claims.
• Homeowners Discount – Just being a homeowner can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
• Multiple Cars – Purchasing coverage when you have multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.
• Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.

As a footnote on discounts, most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, you’re out of luck.

A list of companies and some of their more popular discounts are shown below.

• Geico has discounts for driver training, air bags, five-year accident-free, seat belt use, anti-lock brakes, and federal employee.
• USAA offers discounts for good student, military installation, multi-policy, safe driver, new vehicle, and family discount.
• Progressive offers premium reductions for online signing, good student, homeowner, continuous coverage, multi-vehicle, online quote discount, and multi-policy.
• American Family has savings for mySafetyValet, air bags, early bird, good driver, Steer into Savings, and TimeAway discount.
• Esurance may include discounts for anti-theft, homeowner, emergency road assistance, DriveSense, paid-in-full, online shopper, and multi-policy.
• Farmers Insurance may have discounts that include electronic funds transfer, multi-car, pay in full, teen driver, mature driver, and homeowner.
• State Farm may offer discounts for passive restraint, multiple policy, student away at school, safe vehicle, defensive driving training, good driver, and good student.

When getting a coverage quote, ask every prospective company to apply every possible discount. Some of the discounts discussed earlier may not be available in your area. For a list of companies with significant discounts, click this link.

When should I discuss my situation with an agent?

When it comes to buying the best car insurance coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

• Do I need to file an SR-22 for a DUI in my state?
• Can I still get insurance after a DUI?
• Do I need motorclub coverage?
• Should I buy only the required minimum liability coverage?
• What exactly is covered by my policy?
• Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Brand name doesn’t guarantee savings

Consumers can’t get away from ads that claim the cheapest prices by Allstate and Progressive. All the ads state the claim of big savings if you just switch your car insurance coverage to their company.

How can each company charge you less for auto insurance? It’s all in the numbers.

All companies quote their cheapest rates for the type of driver they prefer to insure. A good example of a preferred risk should be between the ages of 30 and 50, carries full coverage, and drives less than 5,000 miles a year. Anybody who meets those qualifications will probably get cheap premium rates and have a good chance to save a lot if they switch.

Drivers who are not a match for those standards must pay a higher premium which translates to the customer buying from a different company. The trick is to say “customers who switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can truthfully make claims like that.

Because each company has a different risk profile, you need to get price quotes at each policy renewal. It’s just too difficult to predict with any certainty which company will provide you with the cheapest premium rates.

Insurance coverage options for a 2014 Buick Regal

Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, damage from flooding, hail damage and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like chiropractic care, X-ray expenses and rehabilitation expenses. They 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 and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverages – This covers damage to your Regal from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for liability – Liability insurance can cover damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like repair costs for stationary objects, loss of income, emergency aid, structural damage and legal defense fees. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Buick Regal.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

In conclusion

We just presented a lot of tips how to get a better price on 2014 Buick Regal insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding the cheapest insurance coverage. You may even find the best price on insurance is with a small mutual company.

Cost effective 2014 Buick Regal insurance can be sourced on the web and from local agencies, so get free insurance coverage quotes from both of them in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through local independent agents.

People leave their current company for a number of reasons such as questionable increases in premium, delays in responding to claim requests, being labeled a high risk driver or even policy non-renewal. It doesn’t matter what your reason, finding a new insurance company can be less work than you think.

Helpful articles

• State Laws for Cellphones and Texting (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)