Cheaper 1996 Buick Regal Car Insurance Cost

Having to pay for overpriced insurance coverage can deplete your monthly budget and force you to prioritize other expenses. Shopping your coverage around can lower your rates and help to lower your monthly bill.

Having so many choices, it is very difficult to choose the most cost effective insurer.

It’s important to compare rates before your policy renews because insurance coverage prices change regularly. Even if you think you had the lowest price on Regal coverage two years ago you will most likely find a better rate today. You can find a lot of misleading information regarding insurance coverage out there, but in just a couple of minutes you can learn a lot of great tips on how to put money back in your pocket.

Compare quotes for insurance

There are a variety of methods to shop for insurance, and some are less labor-intensive and much quicker. You can spend your afternoon talking to insurance companies in your area, or you can stay home and use the web to quickly compare rates.

Many insurance companies enroll in a system where prospective buyers only type in their quote data once, and each company can give them a price for coverage. This eliminates the need for quotation requests for each company you want a rate for.

To compare pricing click here (opens in new window).

One minor caviat to getting quotes like this is you are unable to specify the insurers to get pricing from. So if you want to choose specific providers to compare rates, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but ensure you’re using apples-to-apples deductibles and coverage limits for every company. If you use unequal deductibles or liability limits it will be impossible to make a fair comparison for your Buick Regal. Slightly different limits can make a big difference in price. Keep in mind that obtaining a wide range of quotes will enable you to find a better price. Not every company does prices over the internet, so it’s necessary to compare prices from them as well.

Use discounts on insurance

Car insurance companies do not list all disounts very clearly, so below is a list some of the best known and also the more inconspicuous discounts that may be available.

  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Defensive Driving Course – Taking a course in defensive driving could earn you a small percentage discount if you qualify.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Senior Citizens – Seniors may receive lower premium rates on Regal coverage.
  • Sign Early and Save – Some larger companies reward drivers for switching to them before your current coverage expires. Ten percent is about the average savings.
  • Discounts for Responsible Drivers – Accident-free drivers can get discounts for up to 45% lower rates on Regal coverage than less cautious drivers.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted insurance rate on car insurance if you buy auto and life insurance together.

Remember that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like comp or med pay. So even though you would think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Larger insurance companies and the discounts they provide can be read below.

  • Progressive has savings for multi-policy, continuous coverage, online signing, multi-vehicle, homeowner, online quote discount, and good student.
  • Farmers Insurance policyholders can earn discounts including good student, bundle discounts, homeowner, multi-car, and pay in full.
  • Farm Bureau offers discounts for renewal discount, youthful driver, driver training, good student, safe driver, and 55 and retired.
  • State Farm includes discounts for passive restraint, anti-theft, accident-free, multiple autos, good student, and Steer Clear safe driver discount.
  • Geico offers premium reductions for driver training, membership and employees, anti-lock brakes, air bags, military active duty, and federal employee.
  • SAFECO may offer discounts for multi-car, anti-theft, bundle discounts, anti-lock brakes, and safe driver.
  • Liberty Mutual may include discounts for hybrid vehicle, multi-car, safety features, newly married, good student, and newly retired.

Before you buy a policy, ask every prospective company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your area. To see companies with the best insurance discounts, click here.

Tailor your insurance coverage coverage to you

When buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

  • Am I covered when delivering products for my home-based business?
  • What happens if I owe more than my 1996 Buick Regal is worth?
  • Are split liability limits better than a combined single limit?
  • Does coverage extend to Mexico or Canada?
  • Can I get a multi-policy discount?
  • Can I afford low physical damage deductibles?
  • What exactly is covered by my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

The coverage is in the details

Understanding the coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Liability coverage – Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as medical services, bail bonds, attorney fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision coverages – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance – This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, damage from a tornado or hurricane, rock chips in glass, fire damage and theft. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your 1996 Buick Regal.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like surgery, rehabilitation expenses and funeral costs. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage