1995 Buick Regal Insurance Cost

Trying to find cheaper insurance rates? Buyers have a choice when searching for low-cost Buick Regal insurance. You can either waste hours calling around to get rate comparisons or use the internet to get rate quotes. There are more efficient ways to shop for insurance so we’re going to tell you the proper way to quote coverages for a Buick and find the cheapest rates from both online companies and local agents.

How to compare free insurance rate quotes

All the larger insurance companies allow consumers to get price estimates from their websites. Doing online price comparisons is pretty easy as you just type in your required coverages into a form. Behind the scenes, the system orders information on your driving record and credit history and generates pricing information.

This makes it easy to compare insurance prices but having to visit many different websites and type in the same data is repetitive and time-consuming. But it’s very important to get many rate quotes in order to get the lowest insurance rates.

The smarter way to find better insurance pricing uses one simple form to obtain quotes from many companies. The form is fast, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. As soon as you send your information, it gets priced and you can choose any or none of the quote results. If you find a better price you can click and sign and purchase coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

To quickly fill out one form to compare multiple rates now, click here and complete the simple form. If you currently have coverage, we recommend you type in the limits and deductibles exactly as they are listed on your policy. This way, you will have rate quotes for the exact same coverage.

Car insurance can get complicated

When buying coverage, there really is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that may help you determine if you might need professional guidance.

  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when driving on a suspended license?
  • What are the financial responsibility laws in my state?
  • Is pleasure use cheaper than using my 1995 Buick Regal to commute?
  • Am I covered if hit by an uninsured driver?
  • When can I cancel my policy?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

The coverage is in the details

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, damage from flooding, hitting a deer, a broken windshield and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

Liability insurance can cover damage that occurs to a person or their property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as pain and suffering, bail bonds, emergency aid and funeral expenses. How much coverage you buy is your choice, but buy as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Buick Regal.

Since a lot of 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 very important.

Collision coverage protection

This coverage will pay to fix damage to your Regal caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, scraping a guard rail, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses for EMT expenses, rehabilitation expenses, hospital visits, pain medications and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage