2017 Buick Regal Insurance Cost

Searching for the cheapest car insurance rates for your Buick Regal? Are you at wits end from paying out the nose to insure your Buick every month? You are no different than most other consumers.

Consumers have multiple auto insurance companies to choose from, and although it’s a good thing to have a choice, it makes it harder to get the best deal.

Buy lower-cost insurance coverage with these tips

Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like your driving record, although others are not as apparent like your continuous coverage or how financially stable you are.Part of the insurance coverage buying process is learning the factors that help determine your policy premiums. If you understand what controls the rates you pay, this allows you to make good choices that can earn you cheaper rates.

  • Pay less after the wedding – Being married helps lower the price on your insurance coverage policy. Marriage usually means you are more financially stable it has been statistically shown that married drivers tend to file fewer claims.
  • Don’t skimp on liability coverage – A critical coverage on your policy, liability insurance will provide protection if ever a jury decides you are liable for causing damage or personal injury in an accident. Your liability coverage provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Safer vehicles means lower prices – Cars with five star safety ratings cost less to insure. Safe vehicles reduce occupant injuries and fewer serious injuries translates directly to fewer claims and more competitive rates for policyholders.
  • Multiple policies with one company can save – Many insurance coverage companies provide a discount to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Discounts can amount to ten percent or more. Even though this discount sounds good, it’s in your best interest to shop around to make sure you are getting the best deal.There is a good possibility that you can find lower rates even if you insure with multiple companies
  • Annual mileage impacts costs – The more you drive every year the higher your rate. Almost all companies calculate prices partially by how you use the vehicle. Cars that are left in the garage can get a lower rate than vehicles that are driven to work every day. Having an incorrect usage rating on your Regal can result in significantly higher rates. Make sure your declarations sheet shows the correct usage.
  • Your location is a factor – Choosing to live in less populated areas of the country has definite advantages when talking about insurance coverage. Fewer drivers and short commutes means reduced accidents and also fewer theft and vandalism claims. City drivers regularly have traffic congestion and higher rates of accident claims. The longer drive time statistically corresponds to a higher accident and claim rate.

Find discounts to get cheap insurance rates

Insurance is neither fun to buy or cheap, but you may find discounts that many people don’t even know exist. Certain reductions will be credited at the time of quoting, but a few need to be specifically requested prior to getting the savings.

  • Homeowners Pay Less – Owning a home can help you save on insurance because owning a home is proof of financial responsibility.
  • Good Driver Discount – Drivers who avoid accidents may save up to 50% more for Regal coverage than less cautious drivers.
  • Student Discounts – Performing well in school can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
  • Early Renewal Discounts – A few insurance companies offer discounts for switching policies prior to the expiration date on your current policy. It can save you around 10%.
  • Government Employee Discount – Being employed by or retired from a federal job may qualify for a discount when you quote insurance coverage for Regal coverage depending on your company.
  • Bundle and Save – When you have multiple policies with one company they may give you a discount of up to 20% off your total premium.
  • Defensive Driving Course – Completing a safe driver course could possibly earn you a 5% discount if your company offers it.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most cut individual premiums such as medical payments or collision. So when the math indicates you could get a free insurance policy, you won’t be that lucky.

Large insurance companies and the discounts they provide are shown below.

  • Mercury Insurance may offer discounts for multi-car, good driver, type of vehicle, annual mileage, multi-policy, professional/association, and good student.
  • Farmers Insurance has discounts for teen driver, bundle discounts, distant student, multi-car, electronic funds transfer, and homeowner.
  • Farm Bureau may have discounts that include good student, safe driver, renewal discount, multi-vehicle, driver training, youthful driver, and 55 and retired.
  • State Farm includes discounts for Steer Clear safe driver discount, good student, Drive Safe & Save, anti-theft, safe vehicle, good driver, and accident-free.
  • Allstate offers premium reductions for teenSMART discount, premier plus, EZ pay plan discount, premier discount, multi-policy, utility vehicle, and passive restraint.
  • Geico has savings for federal employee, driver training, multi-vehicle, seat belt use, daytime running lights, good student, and defensive driver.

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts may not apply to policyholders in your area. To choose insurance companies that offer many of these discounts, click here to view.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

  • How much liability insurance is required?
  • Am I missing any policy discounts?
  • Is my camper covered by my car insurance policy?
  • Does my 2017 Buick Regal qualify for pleasure use?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When should I remove comp and collision on my 2017 Buick Regal?
  • What happens if I owe more than my 2017 Buick Regal is worth?
  • If my pet gets injured in an accident are they covered?
  • What vehicles should carry emergency assistance coverage?
  • Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Coverage specifics

Learning about specific coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Collision insurance

This coverage covers damage to your Regal resulting from a collision 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 pays for claims such as sustaining damage from a pot hole, rolling your car, scraping a guard rail, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive protection

This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, hitting a bird, falling objects and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage pay for bills such as doctor visits, ambulance fees, surgery, hospital visits and pain medications. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Auto liability

Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, legal defense fees, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is your choice, but you should buy as much as you can afford.

And the best car insurance company is…

More affordable car insurance can be bought from both online companies as well as from insurance agents, so you need to shop insurance coverage with both to have the best rate selection. Some car insurance companies may not offer rates over the internet and many times these small insurance companies provide coverage only through independent agencies.

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to find out that it was a big error on their part. Your goal is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Additional detailed information can be found in these articles:

Comments About 2017 Buick Regal Insurance

  1. Lyman Scott

    Does Progressive offer multi-policy discounts?

  2. Nery Osborne

    I got quite a few price quotes for a 2017 Buick Regal in Honolulu, HI. Ended up at roughly $500 every six months with AAA. Teenage drivers are expensive! They offer free online rate quotes.

  3. Harry Mack

    Compared auto insurance prices with State Farm and Progressive but still not cheap enough.

  4. Janetta Jenkins

    Lots of useful info here. I’m in the suburbs of Worcester, MA. Don’t remember every company but I ended up saving about $60 each month. I have kids on my policy, too.

  5. Eustolia Edwards

    I can’t pay high rates. From a town just southwest of Nashville, Tennessee. Quoted prices from AAA, Safeco, and a few others for my Regal and I think I saved about $30 each month. It’s still not cheap enough.

  6. Gavin Atkins

    Does Progressive have good customer service?

  7. Peter Chen

    Not sure what I should be paying. From northwest of Reno, NV. Went online for free insurance quotes for a 2017 Buick Regal. Ended up at about $220 savings annually. Went with GEICO. Left Allstate to switch.