Lower Your 1998 Buick Regal Insurance Rates

Looking for better insurance coverage rates for your Buick Regal? Having to pay for overpriced insurance coverage can overdraw your savings account and put a big crunch on your finances. Price shopping at each renewal is a fast and free way to lower your monthly bill.

Online insurance companies like State Farm, Farmers Insurance, Geico and Allstate increase brand awareness with ads and it can be hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

It is always a good idea to price shop coverage quite often because insurance coverage prices are rarely the same from one policy term to another. Just because you had the best deal for Regal insurance six months ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn the proper way to find better rates and still maintain coverage.

If you are insured now or need a new policy, you can use these techniques to find the best rates and possibly find even better coverage. Finding the best rates is quite easy. Consumers only need to know how to buy car insurance online.

How do insurance providers determine Buick Regal insurance prices?

An important part of buying insurance is that you know the factors that aid in calculating your premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that may result in lower rates.

The items below are a few of the things utilized by car insurance companies to help set rates.

  • Coverage deductibles are a factor – Comprehensive and collision coverage deductibles are the amount of money you are willing to pay before your car insurance pays a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply are colliding with a stationary object, collision with a deer, and damage from wind. The larger the amount you choose to pay out-of-pocket, the lower your rates will be for Regal insurance.
  • Your age impacts your costs – Mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents and are safer drivers.Teenage drivers tend to be inattentive and easily distracted with other occupants in the car therefore car insurance rates are much higher.
  • Annual mileage and car insurance premiums – The higher the miles on your Buick every year the higher your rate. Almost all companies apply a rate based upon how you use the vehicle. Autos not used for work or commuting can be on a lower rate level as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your car insurance policy states the correct driver usage. An incorrectly rated Regal is throwing money out the window.
  • Improve your credit rating and save – Having a bad credit rating can be a huge factor in determining your rates. If your credit can use some improvement, you could potentially save money when insuring your 1998 Buick Regal by improving your credit score. Consumers who have excellent credit scores tend to be less risk to insure as compared to drivers with lower credit ratings.
  • Use one insurance company and save – Most car insurance companies allow a discount to insureds that buy multiple policies in the form of a multi-policy discount. This can amount to ten percent or more. Even if you’re getting this discount it’s in your best interest to compare rates to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.

Take advantage of every insurance discount

Buying insurance is not cheap, but there could be available discounts that may help make it more affordable. A few discounts will be applied at the time of purchase, but a few must be specifically requested before being credited.

  • Paperwork-free – Certain companies will give you a small discount for signing up over the internet.
  • Government Employee Discount – Having worked for a branch of the government can save as much as 8% for Regal insurance depending on your insurance provider.
  • Passive Restraints – Cars that have air bags may get savings of more than 20%.
  • Bundle and Save – If you insure your home and vehicles and insure them both with the same insurance company you could get a discount of up to 20% and get you cheap auto insurance.
  • Cautious Drivers – Drivers without accidents may receive a discount up to 45% for Regal insurance as compared to drivers with claims.
  • Early Switch Discount – Some insurance companies provide a discount for switching to them prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.
  • Discount for Home Ownership – Owning your own home or condo can get you a discount because it requires a higher level of personal finance.

Please keep in mind that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, that’s just not realistic.

Companies and some of their more popular discounts can be read below.

  • Progressive policyholders can earn discounts including good student, online quote discount, homeowner, online signing, and continuous coverage.
  • AAA discounts include AAA membership discount, good driver, anti-theft, multi-car, pay-in-full, and good student.
  • Farmers Insurance includes discounts for multi-car, youthful driver, distant student, homeowner, early shopping, switch companies, and pay in full.
  • Geico offers discounts including federal employee, air bags, multi-vehicle, multi-policy, anti-lock brakes, and driver training.
  • Esurance may include discounts for online quote, multi-policy, defensive driver, DriveSense, safety device, and Pac-12 alumni.
  • SAFECO offers discounts for drive less, homeowner, anti-theft, accident prevention training, and teen safe driver.
  • State Farm has discounts for defensive driving training, passive restraint, good driver, anti-theft, Steer Clear safe driver discount, and Drive Safe & Save.

Before you buy a policy, ask all companies you are considering to give you their best rates. Some discounts might not be available to policyholders in your area.

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Can I still get insurance after a DUI?
  • Can I make deliveries for my home business?
  • Does insurance cover tools stolen from my truck?
  • Is business equipment covered while in my vehicle?
  • Should I have combined single limit or split liability limits?
  • Am I covered when driving someone else’s vehicle?
  • Does my insurance cover a custom paint job?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need higher collision deductibles?
  • What can I do if my company denied a claim?

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 agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Coverage specifics

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most car insurance policies.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, a broken windshield, theft and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 1998 Buick Regal.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses like X-ray expenses, funeral costs, pain medications and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your Regal from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability car insurance

This coverage will cover damage that occurs to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is 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 things like pain and suffering, funeral expenses and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Buy Smart and Save

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an insured dropped full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

We just covered a lot of ways to lower your 1998 Buick Regal insurance rates. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheap auto insurance. You may be surprised to find that the biggest savings come from a lesser-known regional company. They may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm and Allstate.

Much more information about auto insurance is available at the links below