2018 Buick Regal Insurance Quotes

Nobody I know looks forward to paying premiums for insurance coverage, particularly when they are paying too much.

Many car insurance companies vie for your business, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest cost out there.

It is always a good idea to price shop coverage at least once a year because prices change frequently. Even if you got the best price for Regal coverage a few years ago you may be paying too much now. Block out anything you think you know about insurance coverage because you’re about to find out the easiest way to find great coverage at a great price.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Buying car insurance is easy if you know what you’re doing. Nevertheless, consumers need to learn the methods companies use to determine prices and use this information to your advantage.

Lower rates by qualifying for discounts

Some insurance providers don’t always list all disounts in an easy-to-find place, so the next list breaks down a few of the more common and also the lesser-known ways to save on insurance coverage. If you don’t get every credit you qualify for, you are just wasting money.

• Resident Student – College-age children who live away from home at college without a vehicle on campus can receive lower rates.
• Paperless Signup – A few larger companies will give a small break shop car insurance on your computer.
• Drive Safe and Save – Safe drivers may save up to 50% more for Regal coverage than drivers with accidents.
• Defensive Driver Discounts – Completing a course that instructs on driving safety may get you a small discount and easily pay for the cost of the class.
• Data Collection Discounts – Drivers who agree to allow data collection to track their driving habits by using a telematic data system like Allstate’s Drivewise might get better premium rates as long as they are good drivers.
• No Accidents – Insureds who avoid accidents and claims can save substantially when compared to drivers with a long claim history.
• Include Life Insurance and Save – Not all insurance coverage companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy auto and life insurance together.
• Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
• Use Seat Belts – Requiring all passengers to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

A few popular companies and a partial list of their discounts are included below.

• Farmers Insurance has savings for electronic funds transfer, switch companies, multi-car, alternative fuel, good student, youthful driver, and distant student.
• State Farm may have discounts that include defensive driving training, student away at school, Steer Clear safe driver discount, safe vehicle, and anti-theft.
• Liberty Mutual has discounts for newly retired, exclusive group savings, new move discount, newly married, and preferred payment discount.
• MetLife offers discounts for defensive driver, claim-free, accident-free, multi-policy, good driver, and good student.
• Progressive may include discounts for continuous coverage, online quote discount, multi-policy, good student, and homeowner.

If you need lower rates, check with all companies you are considering how many discounts you can get. All car insurance discounts may not be offered in your area. To locate providers who offer cheap insurance coverage quotes, click this link.

How to buy car insurance online

There are multiple methods to compare car insurance prices but some are less time-consuming than others. You could spend your day talking about coverages with insurance companies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many companies participate in a marketplace that allows shoppers to send in one quote, and every company can provide price quotes based on the submitted data. This system prevents you from having to do form submissions for each company.

To use this form to compare rates click to open in new window.

One minor caviat to pricing coverage this way is that consumers can’t choose which providers to get quotes from. So if you prefer to pick from a list of companies to compare rates, we have a page of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but try to keep apples-to-apples coverage limits on every quote. If your comparisons have different values for each quote you will not be able to make an equal comparison. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when quoting car insurance, remember that comparing a large number of companies helps you find a lower rate than you’re paying now. Some insurance companies are not set up to provide online rate quotes, so it’s recommended that you also compare rates on coverage from those companies, too.

Buick Regal insurance cost factors

The best way to find cheaper insurance coverage is to take a look at the factors that come into play when calculating insurance coverage rates. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that may result in better insurance coverage rates.

The itemized list below are some of the things used by companies to determine rates.

• Prevent your car from being stolen – Driving a car that has an advanced theft prevention system can save you some money. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all help prevent auto theft and help lower rates.
• Do you really need to file that claims? – If you file a lot of claims you can look forward to either policy cancellation or increased premiums. Car insurance companies provide the lowest premiums to policyholders who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
• Rural vs Urban Areas – Choosing to live in a rural area has it’s advantages when talking about insurance coverage. Residents of big cities have to deal with more auto accidents and more severe claims. Less people means a lower chance of having an accident in addition to fewer liability claims.
• Higher physical damage deductibles are cheaper – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Buick from damage. Examples of covered claims are a broken windshield, hitting a deer, and damage caused by flying debris. Comprehensive and collision coverage deductibles are how much the insured will be required to pay before your insurance coverage pays a claim. The more the insured is willing to pay, the less your company will charge you for insurance for Regal coverage.
• Vocation can influence rates – Jobs like judges, social workers and accountants tend to have higher average rates attributed to intense work situations and lots of time spent away from family. On the flip side, jobs such as actors, students and the unemployed generally pay rates lower than average for Regal coverage.
• Women tend to be lower risk – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean females are better at driving than males. They both cause fender benders at a similar rate, but males tend to have more serious accidents. In addition to higher claims, males also receive more costly citations like driving under the influence (DUI). Young males generally have the highest accident percentage and thus pay the highest rates.
• Where do you drive? – The more you drive your Buick each year the more you’ll pay to insure your vehicle. Many insurance companies calculate rates based on how the vehicle is used. Cars that sit idle most of the time get more affordable rates than those that get driven frequently. Having an incorrect usage rating on your Regal can result in significantly higher rates. Double check that your insurance coverage policy reflects the correct usage for each vehicle, because it can save money.
• Avoid unnecessary add-on coverages – There are a ton of extra coverages that you can buy if you aren’t careful. Insurance for rental car reimbursement, better glass coverage, and membership fees may be wasting your money. They may sound like good ideas when buying your policy, but now you might not need them so eliminate the coverages to reduce your premium.

Insurance coverage is unique, just like you

When choosing the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

• Do I need higher collision deductibles?
• What is UM/UIM insurance?
• Is a new car covered when I drive it off the dealer lot?
• Do I have coverage when using my vehicle for my home business?
• Does car insurance cover theft of personal property?
• Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Detailed coverages of your car insurance policy

Having a good grasp of car insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

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

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for X-ray expenses, rehabilitation expenses, funeral costs, surgery and doctor visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Liability insurance

Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as emergency aid, legal defense fees and loss of income. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, theft and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, driving through your garage door, damaging your car on a curb, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Save your cold hard cash

Some insurance providers may not provide price quotes online and usually these regional insurance providers only sell through independent agencies. Affordable 2018 Buick Regal insurance is possible on the web in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money.

In this article, we covered a lot of techniques to get a better price on 2018 Buick Regal insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding low cost car insurance. You may even find the biggest savings come from an unexpected company. These companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

Additional auto insurance information can be found at the links below

• How do I File a Claim? (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Airbag FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)