1999 Buick Regal Car Insurance Quotes – 9 Ideas for Best Rates

Looking for lower insurance rates for your Buick Regal? Did you fall for a flashy sales pitch and buy an expensive insurance policy? You’re preaching to the choir because you’re not the only one. Big-name insurance companies like State Farm, Progressive and Geico continually hit you with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s a good habit to get comparison quotes yearly because insurance prices trend upward over time. Despite the fact that you may have had the best deal for Regal insurance a year ago other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to learn how to use online quotes to save on insurance.

The method we recommend to compare insurance rates in your area is to know the trick almost all companies participate in a system to give you rate quotes. The only thing you need to do is provide the companies a bit of rating information like if you are currently licensed, your job, whether you are single or married, and any included safety features. Your insurance information is automatically sent to many different companies and they return cost estimate very quickly.

To find the cheapest Buick Regal insurance rates, click here and enter your coverage details.

More affordable rates with these nine discounts

Some insurance providers don’t necessarily list all available discounts in an easy-to-find place, so the below list has some of the best known in addition to some of the lesser obvious credits available to bring down your rates.

  • Own a Home and Save – Just being a homeowner may trigger a policy discount on car insurance since owning and maintaining a home is proof that your finances are in order.
  • Bundled Policy Discount – If you combine your auto and home policies with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage may enable drivers to earn slightly better car insurancerates than normal.
  • Distant Student Discount – Older children who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and will save you 10% or more.
  • Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may qualify for discounts of 25 to 30%.
  • Mature Driver Discount – If you’re over the age of 55, you are able to get reduced rates for Regal insurance.
  • Data Collection Discounts – People who choose to allow driving data collection to monitor when and where they use their vehicle by installing a telematics device such as State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.

Please keep in mind that some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, nobody gets a free ride.

A few popular companies and the discounts they provide are:

  • State Farm may offer discounts for good student, Drive Safe & Save, multiple autos, safe vehicle, accident-free, and multiple policy.
  • Liberty Mutual offers discounts including multi-policy, good student, hybrid vehicle, new graduate, preferred payment discount, teen driver discount, and newly married.
  • American Family has discounts for early bird, multi-vehicle, good driver, accident-free, mySafetyValet, and bundled insurance.
  • Progressive policyholders can earn discounts including continuous coverage, homeowner, good student, online signing, multi-vehicle, online quote discount, and multi-policy.
  • Farmers Insurance has savings for teen driver, pay in full, alternative fuel, electronic funds transfer, and youthful driver.
  • Auto-Owners Insurance offers premium reductions for multi-policy, paid in full, safe vehicle, company car, teen driver, good student, and student away at school.
  • SAFECO may have discounts that include drive less, teen safety rewards, safe driver, anti-theft, and bundle discounts.

If you need cheap insurance quotes, ask all the companies which credits you are entitled to. Some discounts may not apply in your area. To find providers that offer discounts, click this link.

Insurance coverage can be complex

When buying coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

  • What is an SR-22 filing?
  • Can my teen drive my company car?
  • Am I covered if I hit a deer?
  • Am I insured when driving a different vehicle?
  • Is my cargo covered for damage or theft?
  • Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Save $437 a year? Really?

Consumers can’t avoid all the ads for car insurance savings by companies like State Farm, Allstate and Geico. They all seem to make an identical promise about how much you will save if you get a free insurance quote and switch your car insurance policy to them.

How is it plausible that every one can make almost identical claims? You have to listen carefully.

Insurance companies are able to cherry pick for a prospective insured they prefer to insure. An example of this type of driver may need to be married and over the age of 30, has no claims, and chooses high deductibles. Any new insured that matches those criteria will probably get the lowest auto insurance rates and will save when they switch companies.

Potential insureds who fall outside these standards will be quoted higher rates which usually ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can make claims that they all have the best rates. Different companies use different criteria so you should get insurance quotes as often as possible. It’s impossible to know with any certainty which company will have the lowest prices for your situation.

Specific coverage details

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.

Collision insurance

This pays for damage to your Regal resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, hitting a mailbox, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, fire damage, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverages

This protects you from damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things such as court costs, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for things like EMT expenses, prosthetic devices, surgery and chiropractic care. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

A penny earned…

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an insured cut full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

Throughout this article, we presented a lot of techniques to save on 1999 Buick Regal insurance. The key concept to understand is the more times you quote, the better likelihood of getting low cost insurance. Drivers may discover the most savings is with some of the lesser-known companies. These smaller insurers may only write in your state and offer lower prices as compared to the big name companies such as Progressive or Geico.

Much more information about car insurance is located on the following sites: