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.
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.
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.
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.
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.
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.
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.
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
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 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.
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:
Does GEICO have low rates for teen drivers?
I got quite a few price quotes for a 2015 Buick Regal in Rochester, NY. Ended up at roughly $160 every six months with Amica. Was with Amica.
Anyone buy from AAA? I’m in Grand Forks, ND.
Proud to be from Provo, Utah. Got car insurance prices from Progressive, AAA, and Farmers for my Regal and I think I am saving around $50 each month. I think they have home insurance too.
I compared a lot of rate quotes for a 2015 Buick Regal in Augusta, Georgia. Ended up at roughly $260 every six months with American Family. Hopefully won’t need it. It never hurts to quote around.
21st Century quoted the best rates in South Dakota.
I live just outside Jacksonville, FL and for me GEICO had the lowest quote. Ask about discounts. They were helpful in switching over.
I’m in the suburbs of Great Falls, MT. Quoted with Auto-Owners, MetLife, and a few others for my 2015 Buick Regal and I’m now saving $33 a month. :)
Will State Farm raise rates for a small claim?
This is too expensive. I live south of Sioux Falls, SD. I quoted with AAA, Erie, and Sentry for my Buick and saved $175 a year. Thankfully I’m not a high risk driver. I recommend comparing lots of rates.
When should I drop comp and collision?
If you don’t have tickets and live around Lexington, KY, check out 21st Century. You might save some money.