Cheap 1993 Buick Regal Car Insurance Quotes

Locating cheaper insurance for a Buick Regal could be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates.

There are more efficient ways to shop for insurance coverage so you’re going to learn the quickest way to quote coverages for your Buick and get the cheapest rates from both online companies and local agents.

It’s important to get comparison quotes once or twice a year due to the fact that insurance prices are constantly changing. Just because you found the best rates for Regal insurance a couple years back you can probably find a better premium rate now. Ignore everything you know about insurance coverage because you’re about to find out the quickest way to find great coverage at a great price.

If you have a policy now or are just looking to switch companies, you can learn to cut your premiums while maintaining coverages. Shopping for the lowest cost coverage is simple if you know the tricks. Vehicle owners only need to know the proper way to get comparison quotes on the web.

What impacts Buick Regal insurance prices?

Multiple criteria are considered when you quote your car insurance policy. Most are fairly basic such as your driving history, but others are less apparent like your continuous coverage or your vehicle rating.A large part of saving on insurance is knowing a few of the rating criteria that help calculate your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that may reward you with much lower annual insurance costs.

The items below are just a few of the factors used by insurance companies to determine your premiums.

  • Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and lower injury rates means your insurance company pays less and cheaper rates on your policy.
  • A good credit rating can save money – Having a bad credit score is a large factor in calculating your insurance rates. Drivers with good credit tend to be better risks to insure as compared to drivers with poor credit. Therefore, if your credit history leaves room for improvement, you could save money insuring your 1993 Buick Regal by spending a little time repairing your credit.
  • High physical damage deductibles lower premiums – Physical damage protection, aka comp and collision, is used to repair damage to your vehicle. A few examples of covered claims would be colliding with a building, hail damage, and having your car stolen. Deductibles for physical damage state the amount of money you are willing to pay before your insurance pays a claim. The more you have to pay, the lower your rates will be for Regal insurance.
  • Being married pays dividends – Being married helps lower the price on your insurance policy. Marriage may mean you are more stable financially it has been statistically shown that married couples file fewer claims.
  • Do you qualify for a multi-policy discount? – Many insurance companies will award lower prices to customers that have more than one policy. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to comparison shop to make sure you are getting the best deal. It’s possible to still save more without the discount by splitting coverages up.
  • Optional features impact premiums – Driving a car with an alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft and help bring rates down.
  • Rates increase with policy add-ons – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying on your Regal policy. Insurance for rental car coverage, accident forgiveness, and motor club memberships may be costing you every month. These coverages may sound good at first, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Fewer miles means better costs – The more you drive in a year’s time the more you will pay for insurance. A lot of companies price each vehicle’s coverage partially by how you use the vehicle. Vehicles not used for work or commuting can be on a lower rate level than vehicles that are driven to work every day. Double check that your insurance coverage properly reflects how each vehicle is driven, because improper ratings can cost you money. An improperly rated Regal is throwing money out the window.

Auto insurance companies offer money-saving discounts

Some providers don’t always advertise every available discount very clearly, so the list below gives a summary of both well-publicized as well as the least known discounts that you may qualify for.

  • Buy New and Save – Buying auto insurance coverage on a new vehicle can save you some money compared to insuring an older model.
  • Home Ownership Discount – Just being a homeowner can get you a discount since home ownership demonstrates responsibility.
  • Data Collection Discounts – Drivers that enable companies to track where and when they drive remotely such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they exhibit good driving behavior.
  • Braking Control Discount – Vehicles equipped with ABS or steering control have fewer accidents and will save you 10% or more.
  • Switch and Save Discount – Some insurance companies give discounts for renewing your policy before your current policy expires. It can save you around 10%.
  • Clubs and Organizations – Belonging to a civic or occupational organization is a simple method to lower premiums when getting a auto insurance quote.
  • Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and leave their car at home may qualify for this discount.

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see insurance companies who offer free auto insurance quotes, follow this link.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.

For example, these questions might help in determining whether or not you might need professional guidance.

  • Can I afford to buy a different vehicle if my 1993 Buick Regal is totaled?
  • When does my teenage driver need to be added to my policy?
  • Is motorclub coverage worth it?
  • What is an SR-22 filing?
  • Do I have coverage when making deliveries for my home business?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I sign the liability waiver when renting a car?
  • Does medical payments coverage apply to all occupants?
  • Does car insurance cover theft of personal property?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Auto insurance coverages explained

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability coverages

This can cover damage or injury you incur to people or other property in an accident. It 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. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like loss of income, bail bonds, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This coverage will pay to fix damage to your Regal caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Buick Regal.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like dental work, funeral costs, doctor visits, rehabilitation expenses and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, damage from getting keyed, hail damage and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Stretch your dollar

When you buy auto insurance online, never sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

In this article, we presented a lot of techniques to shop for 1993 Buick Regal insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. You may be surprised to find that the lowest priced insurance coverage comes from the least-expected company.

Consumers who switch companies do it for many reasons like poor customer service, questionable increases in premium, high prices and even lack of trust in their agent. It doesn’t matter what your reason, switching companies is not as difficult as it may seem.

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