Lower Your 1997 Buick Regal Insurance Quotes

Are you at wits end from sacrificing to pay your auto insurance bill each month? You’re in the same situation as millions of other people. Because you have many insurance providers from which to choose, it is very difficult to choose the lowest price auto insurance provider.

Finding the best rates is quite easy. If you have a current insurance policy or need new coverage, you can use these tips to shop for the lowest rates while maintaining coverages. Drivers only need to know the proper way to compare price quotes on the web.

How much does insurance cost?

Most of the larger companies allow consumers to get prices for coverage from their websites. This process can be done by anyone as you simply type in the coverages you want into a form. After you complete the form, the quote system will obtain reports for credit and driving violations and generates pricing information. This makes it simple to compare prices but the work required to visit several different sites and type in the same data is a big time waster. But it’s absolutely necessary to compare as many rates as possible in order to get better prices.

There is a better way to compare rates

A better way to find cheaper rates utilizes a single form to obtain quotes from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons much easier. After sending your information, it is quoted and you can select your choice of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. This process can be completed in less than 10 minutes and could lower your rates considerably.

To compare rates now, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you duplicate coverages and limits exactly as shown on your declarations page. Doing this guarantees you will have a price comparison using the exact same coverages.

Discounts for affordable car insurance quotes

Car insurance can be pricey, but you may be missing some discounts that many consumers don’t even know exist. Certain discounts will be applied when you quote, but occassionally some discounts must be inquired about prior to getting the savings.

  • Drive Safe and Save – Accident-free drivers can pay as much as 50% less for Regal insurance compared to rates paid by drivers with frequent claims.
  • Driver Training Discounts – Taking part in a class that teaches safe driver techniques may get you a small discount and make you a better driver.
  • Discount for Life Insurance – If the company offers life insurance, you could get better car insurancerates if you take out life insurance.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Discounts for Federal Employees – Active or former government employment may qualify for a discount when you quote insurance for Regal insurance depending on your car insurance provider.
  • Military Discounts – Having a deployed family member could mean lower prices.
  • Data Collection Discounts – Drivers who elect to allow companies to spy on driving patterns by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they have good driving habits.
  • One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before raising your premiums so long as you are claim-free for a set time period.

Don’t be surprised that most discounts do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, it doesn’t quite work that way.

The best car insurance companies and some of the premium reductions they offer can be found below.

  • Geico has discounts for multi-policy, membership and employees, good student, defensive driver, and anti-theft.
  • Auto-Owners Insurance discounts include company car, student away at school, teen driver, paperless, safe driver, and anti-theft.
  • American Family policyholders can earn discounts including good student, Steer into Savings, bundled insurance, accident-free, TimeAway discount, and mySafetyValet.
  • Esurance may include discounts for safety device, homeowner, renters, online quote, and good student.
  • Progressive offers discounts for good student, online signing, continuous coverage, online quote discount, homeowner, multi-policy, and multi-vehicle.
  • State Farm may have discounts that include multiple policy, Drive Safe & Save, anti-theft, accident-free, good student, multiple autos, and passive restraint.
  • AAA may offer discounts for education and occupation, good student, AAA membership discount, pay-in-full, and multi-car.

It’s a good idea to ask all the companies which discounts you qualify for. Some discounts might not be available to policyholders in your area.

You may need specialized car insurance coverage

When buying coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • Is a blown tire covered by insurance?
  • How much liability do I need to cover my assets?
  • How high should my medical payments coverage be?
  • Does my car insurance cover rental cars?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is upholstery damage covered by car insurance?
  • Should I rate my 1997 Buick Regal as pleasure use or commute?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Get Buick Regal insurance cheaper

Part of the insurance buying process is learning some of the things that help calculate the rates you pay for insurance. If you know what controls the rates you pay, this enables informed choices that can help you get better insurance rates.

  • Continuous insurance coverage lowers insurance rates – Allowing your insurance policy to lapse will be a fast way to bump up your insurance costs. In addition to paying higher rates, getting caught without coverage could earn you a steep fine or even jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Drive lots and pay more – The higher the miles on your Buick every year the more you’ll pay to insure it. Most companies apply a rate based upon how the vehicle is primarily used. Autos that sit idle most of the time get more affordable rates compared to those used for work or business. Make sure your declarations sheet correctly shows the proper vehicle usage, because improper ratings can cost you money. Improper usage on your Regal may be wasting your money.
  • Stressful job may mean higher premiums – Do you work in a high-stress field? Jobs like military personnelpolice officers and financial analysts tend to have the highest average rates because of intense work situations and lots of time spent away from family. Other professions such as professors, historians and performers pay the least for Regal insurance.
  • Cheaper rates using theft deterrents – Buying a car with anti-theft technology or alarm system can save you a little every year. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft.
  • You may save more by bundling policies – Most major companies allow lower prices to clients that purchase more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount it’s still a good idea to get quotes from other companies to help ensure you have the lowest rates. Drivers may still save more without the discount by splitting coverages up.
  • Small coverages can add up – There are a ton of additional coverages that you can get tricked into buying but may not be useful. Add-on coverages like rental car reimbursement, better glass coverage, and extra life insurance coverage may be costing you every month. These coverages may sound good when talking to your agent, but your needs may have changed so think about removing them and cutting costs.
  • Cheaper rates after marriage – Getting married can actually save you money on your insurance policy. Marriage is viewed as being more mature and responsible and statistics show drivers who are married file infrequent claims.
  • High credit equals lower prices – A driver’s credit score factor in determining premium rates. So if your credit history can use some improvement, you could save money insuring your 1997 Buick Regal by improving your rating. Drivers who have very good credit scores tend to be less risk to insure than drivers who have poor credit scores.

Don’t listen to company ads

Consumers constantly see and hear ads that claim the lowest car insurance rates from the likes of State Farm, Geico and Progressive. All the companies try to convey promises that drivers will save a bundle if you change to their company.

How does every insurance coverage company give you a better price? This is the trick they use.

All companies require specific criteria for the type of driver that earns them the most money. An example of a desirable risk might be described as between the ages of 40 and 55, has a low-risk occupation, and drives a vehicle with a low ISO rating. A driver who fits those characteristics is entitled to the best price and therefore will save some money.

Potential customers who fall outside this ideal profile will probably be forced to pay more expensive rates which leads to the customer not buying. The wording the ads use say “people who switch” but not “everyone who gets a quote” save money. That is how insurance companies can make the claims of big savings. Because of this risk profiling, drivers must do a quote comparison often. It’s not possible to predict which company will have the best rates for your profile.

Insurance coverage considerations

Having a good grasp of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Liability insurance – Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, loss of income, structural damage, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Collision coverage – This coverage covers damage to your Regal caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, backing into a parked car, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass, damage from a tornado or hurricane, hitting a deer and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance – Med pay and PIP coverage reimburse you for bills like nursing services, ambulance fees, funeral costs and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Buick Regal.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Shop. Compare. Save.

Lower-priced 1997 Buick Regal insurance can be sourced from both online companies as well as from insurance agents, so get free insurance quotes from both of them to have the best rate selection. There are still a few companies who may not provide price quotes online and most of the time these small insurance companies provide coverage only through independent insurance agents.

In this article, we presented a lot of information how to reduce 1997 Buick Regal insurance car insurance rates online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers could even find that the biggest savings come from some of the smallest insurance companies. They often have lower premium rates on specific markets compared to the large companies like State Farm or Progressive.

Additional insurance coverage information can be found at these links: