2018 Buick Regal Sportback Car Insurance Rates – 10 Ideas for Cheaper Quotes

Finding budget-priced car insurance on the web might appear rather difficult for consumers new to price shopping on the web. With so many options of insurers available, how are we expected to possibly compare the different rates to find the cheapest available price?

How to shop insurance coverage online

The are a couple different ways to compare prices from lots of insurance coverage companies. The recommended way to do a complete rate comparison is to get quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.

1. The most recommended method to find low rates is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating multiple quote forms for each price estimate. A single form gets rate comparisons from several companies. This is perfect if you don’t have a lot of time.
2. A different way to compare rate quotes is spending the time to visit the website of each company to request a price quote. For instance, we’ll assume you want to view quotes from Nationwide, Geico and Progressive. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which can be really labor intensive. To view a list of companies in your area, click here.

However you get your quotes, do your best to enter the same coverage data on every price quote you get. If you enter different coverage information you can’t possibly find the best deal for your Buick Regal Sportback. Having just a slight variation in limits can result in a big premium difference. And when comparing insurance coverage rates, know that more quotes will increase your chances of finding more affordable insurance.

Do you qualify for these ten discounts?

Auto insurance companies don’t always list all available discounts in an easy-to-find place, so the following list contains some of the more common and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online. If you don’t get every credit available, you could be paying more than you need to.

• Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less on Regal Sportback insurance than less cautious drivers.
• Distant Student Discount – College-age children who live away from home at college and do not have a car may qualify for this discount.
• Seat Belts Save – Drivers who require all occupants to buckle up could cut 10% or more off the medical payments premium.
• Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
• Include Life Insurance and Save – Insurance carriers who offer life insurance give better rates if you take out life insurance.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
• Club Memberships – Participating in specific professional or occupational memberships or organizations could qualify you for a break on your policy.
• Accident Forgiveness – but some insurance companies will allow you to have one accident without the usual rate increase if you are claim-free prior to being involved in the accident.
• Save with a New Car – Buying a new car instead of a used car can save you some money because newer vehicles keep occupants safer.
• Active Military Service – Being deployed in the military can result in better insurance rates.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only cut specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, insurance companies wouldn’t stay in business.

To view insurers who offer discounts, click here.

Don’t assume everyone needs the same insurance coverage

When choosing adequate coverage, there really is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help you determine if your situation will benefit from professional help.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• When should I drop full coverage on my 2018 Buick Regal Sportback?
• Why am I be forced to buy a membership to get insurance from some companies?
• What exactly is covered by my policy?
• Is rental equipment covered for theft or damage?
• Do I need replacement cost coverage?
• Can I afford to buy a different vehicle if my 2018 Buick Regal Sportback is totaled?
• Am I covered when using my vehicle for business?
• Am I covered when driving in Canada or Mexico?
• Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your car insurance policy

Having a good grasp of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Buick Regal Sportback.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Collision insurance

This coverage pays for damage to your Regal Sportback from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, crashing into a ditch, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as X-ray expenses, nursing services and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, rock chips in glass, falling objects, hail damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance protects you from damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims like structural damage, repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Smart consumers save more

When you buy auto insurance online, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where someone dropped collision coverage and learned later that they should have had better coverage. The proper strategy is to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

You just learned some good ideas how you can compare 2018 Buick Regal Sportback insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding inexpensive auto insurance. You may be surprised to find that the best price on auto insurance is with a small local company.

Insureds change insurance companies for a number of reasons such as extreme rates for teen drivers, questionable increases in premium, delays in responding to claim requests or even policy cancellation. Regardless of your reason, switching auto insurance companies can be easier than you think.

To learn more, link through to these articles:

• Cellphones, Texting and Driving (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)