Save on 2015 Buick Regal Car Insurance Quotes

Trying to find lower insurance coverage rates for your Buick Regal? When trying to find lower-priced insurance, are you confused by the wide range of insurance coverage providers available to you? Vehicle owners have such a large number of options that it can quickly become a difficult challenge to find the perfect company for you.

Don’t overlook these auto insurance discounts

Some providers do not advertise every discount they offer very well, so the next list breaks down some of the best known and the more hidden discounts that you can inquire about if you buy insurance coverage online.

• New Vehicle Savings – Insuring a vehicle that is new can save you some money because newer models keep occupants safer.
• Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can avoid monthly service charges.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
• Life Insurance – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Drive Safe and Save – Drivers without accidents can pay as much as 50% less for Regal insurance than drivers with accidents.
• Government Employees – Having worked for a branch of the government could provide a small rate reduction for Regal insurance with a few auto insurance companies.
• Multi-policy Discount – If you insure your home and vehicles with one company you may earn at least 10% off all policies.
• College Student Discount – Older children who are attending college and won’t have access to an insured vehicle can receive lower rates.
• Save with More Vehicles Insured – Drivers who insure multiple cars or trucks with the same company can reduce the rates for all insured vehicles.

As a footnote on discounts, some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. Even though it appears you could get a free auto insurance policy, you won’t be that lucky. But all discounts should help reduce your policy premium.

If you would like to choose from a list of providers with significant discounts, click here.

How your Regal insurance rates are determined

Smart consumers have a good feel for some of the elements that help determine the level of your policy premiums. If you understand what determines premiums, this allows you to make educated decisions that will entitle you to lower premium levels. Many things are considered when you get your auto insurance bill. Some factors are common sense such as your driving record, although others are more obscure like where you live and annual miles driven.

The list below includes most of the major factors used by companies to determine your premiums.

• Careless drivers pay higher rates – Being a careful driver has a huge affect on how much you pay. Only having one moving violation can bump up the cost twenty percent or more. Careful drivers pay less for auto insurance as compared to careless drivers. People who have multiple citations such as hit and run, DWI or reckless driving convictions might be required by their state to prove financial responsibility with their state motor vehicle department in order to keep their license.
• Physical damage deductibles are a factor – Physical damage protection, also called ‘full coverage’, is used to repair damage to your vehicle. Some examples of covered claims are colliding with a building, vandalism, and damage caused by flying debris. The deductibles you choose are the amount of money the insured will be required to pay before your insurance pays a claim. The more money the insured is willing to pay, the less your insurance will be for Regal insurance.
• Combine policies with the same company – The majority of companies apply a discount for people who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can add up to as much as ten percent or more Even with this discount, you may still want to shop around to confirm you are receiving the best rates possible.
• Premiums are affected by your credit rating – Having a bad credit score can be a huge factor in determining what you pay. So if your credit can use some improvement, you could potentially save money when insuring your 2015 Buick Regal by taking the time to improve your credit score. People that have high credit ratings tend to file fewer claims as compared to drivers with poor credit scores.
• Premiums increase with policy add-ons – Insurance companies have many optional add-on coverages that can add up if you aren’t careful. Coverage for things like replacement cost coverage, towing coverage, and extra equipment coverage are probably not needed. You may think they are a good idea when you first buy your policy, but now you might not need them so think about removing them and cutting costs.
• Insurance prices and driver gender – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better drivers. Women and men are responsible for accidents in similar percentages, but males have accidents that have higher claims. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 have the highest risk to insure and thus pay the highest rates.

When to get professional advice

When choosing coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

• Does medical payments coverage apply to all occupants?
• Should I carry comprehensive and collision coverage?
• Am I covered if I hit my neighbor’s mailbox?
• What vehicles should carry emergency assistance coverage?
• Does my 2015 Buick Regal need full coverage?
• Is upholstery damage covered by car insurance?
• Does my 2015 Buick Regal qualify for pleasure use?
• Which is better, split liability limits or combined limits?
• Should I put collision coverage on all my vehicles?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Advertising and insurance

Companies like Progressive, Geico, Allstate and State Farm consistently run television and radio advertisements. They all have a common claim about savings if you switch to them. But how can every company charge less that you’re paying now?

All companies have an ideal profile for the type of insured that earns them the highest profit. For instance, a profitable insured should be a married female, has a low-risk occupation, and drives a car with an anti-theft system. Anybody who matches that profile receives the best rates and is almost guaranteed to save money with a new company.

Drivers who don’t qualify for this ideal profile will probably be forced to pay a higher rate which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save the amount stated. That’s the way companies can truthfully make it sound like they have such great rates.

Each company has different criteria, so you absolutely need to compare many company’s rates. It is impossible to predict which insurance company will give you the biggest savings.

Car insurance coverages 101

Learning about specific coverages of car insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Buick Regal.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, fire damage and rock chips in glass. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like rehabilitation expenses, pain medications, prosthetic devices, funeral costs and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

This coverage will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as medical services, repair costs for stationary objects, medical expenses, court costs and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Get your money’s worth

Insureds who switch companies do it for many reasons like policy non-renewal, an unsatisfactory settlement offer, extreme rates for teen drivers and even poor customer service. No matter why you want to switch, finding a new company is less work than it seems.

Low-cost 2015 Buick Regal insurance can be sourced both online and from local insurance agents, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some insurance providers don’t offer rates over the internet and these smaller providers sell through independent agents.

In this article, we presented a lot of tips how to compare 2015 Buick Regal insurance car insurance rates online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest car insurance rates come from the smaller companies.

Additional auto insurance information is available below:

• Auto Theft Statistics (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• How do I File a Claim? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• How to Avoid Common Accidents (State Farm)