1992 Buick Regal Insurance Quotes – 9 Tricks for Cheapest Rates

Are you drained from scraping the payment together to pay your insurance bill each month? You have the same problem as many other drivers. Popular companies such as Allstate, Liberty Mutual and State Farm constantly blast consumers with ads and it can be hard to separate fact from fiction and take the time to shop coverage around.

If you are insured now or are just looking to switch companies, you can use this information to cut your premiums while maximizing coverage. Finding the best rates is not that difficult. Consumers just need to know the best way to compare prices on the web.

The quickest method we recommend to compare policy rates is to take advantage of the fact most of the bigger providers pay for the opportunity to give rate comparisons. All consumers are required to do is take a few minutes to give details such as driver ages, if you have a valid license, your credit rating estimate, and level of coverage desired. That rating information is then sent to multiple insurance providers and they provide comparison quotes quickly.

Can you really save if you switch?

Consumers can’t escape the ads for car insurance savings by companies like State Farm, Geico and Progressive. All the ads make an identical promise about savings if you change your policy.

How can each company save you money? This is the trick they use.

All the different companies have specific characteristics for the type of driver that will not have excessive claims. For instance, a profitable insured may be over the age of 35, carries full coverage, and has a high credit rating. Anybody that matches those criteria receives the best premium rates and have a good chance to save a lot of money.

Drivers who don’t qualify for these standards may be forced to pay higher premium rates and the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers who switch” not “all people who quote” save money. That is how insurance companies can confidently advertise the savings.

This really emphasizes why you really need to compare rate quotes every year. It’s impossible to know which company will have the lowest premium rates for your situation.

Insurance coverage policy discounts you can’t miss

Companies that sell car insurance don’t necessarily list their entire list of discounts very clearly, so we researched some of the best known and also the lesser-known discounts that you may qualify for.

  • Own a Home and Save – Being a homeowner may trigger a policy discount on insurance coverage because of the fact that having a home requires personal responsibility.
  • Claim-Free Discount – Claim-free drivers pay less when compared to accident-prone drivers.
  • Data Collection Discounts – Drivers who agree to allow their company to look at driving manner by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
  • Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Defensive Driver Discounts – Taking a safe driver course may get you a small discount if you qualify.
  • Memberships – Joining a professional or civic organization may earn a discount on insurance coverage.
  • Driver’s Ed – Teen drivers should sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Waiver for an Accident – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident without raising rates if you have no claims for a particular time prior to the accident.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and qualify for as much as a 10% discount.

You can save money using discounts, but most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will reduce the amount you pay for coverage.

A list of insurance coverage companies and some of their more popular discounts are:

  • Progressive discounts include good student, multi-vehicle, online quote discount, online signing, continuous coverage, homeowner, and multi-policy.
  • AAA may offer discounts for multi-policy, pay-in-full, AAA membership discount, multi-car, good driver, anti-theft, and education and occupation.
  • Farmers Insurance offers discounts for youthful driver, multi-car, teen driver, mature driver, early shopping, and homeowner.
  • Geico has discounts for five-year accident-free, good student, multi-policy, federal employee, and anti-theft.
  • Esurance includes discounts for homeowner, good student, paid-in-full, good driver, defensive driver, and online quote.
  • SAFECO may include discounts for bundle discounts, safe driver, anti-theft, homeowner, drive less, anti-lock brakes, and teen safety rewards.
  • State Farm offers discounts including multiple autos, good driver, anti-theft, driver’s education, accident-free, multiple policy, and student away at school.

If you are trying to find inexpensive auto insurance quotes, ask all the companies which credits you are entitled to. Some credits may not apply to policies in your area. To locate insurance coverage companies that have a full spectrum of discounts, click this link.

Insurance agents can help

When choosing adequate coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

  • Am I missing any policy discounts?
  • Do I need higher collision deductibles?
  • How much can I save by bundling my policies?
  • Why do I need rental car insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Are my tools covered if they get stolen from my vehicle?
  • Will my rates increase for filing one claim?
  • Do I pay less for low miles?
  • What are the best liability limits?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage information

Learning about specific coverages of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, a tree branch falling on your vehicle, falling objects and damage from flooding. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, surgery, pain medications and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability car insurance

This coverage will cover damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, crashing into a ditch, hitting a mailbox, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Save your cold hard cash

Budget-friendly insurance can be purchased from both online companies in addition to local insurance agencies, and you should be comparing both to have the best selection. There are still a few companies who may not provide rates over the internet and usually these regional carriers only sell through independent agents.

We just showed you a lot of information how to reduce 1992 Buick Regal insurance premium rates online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding the cheapest auto insurance. Consumers could even find that the lowest premium rates are with the least-expected company. They may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage for the lowest price, but do not skimp to save money.

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