Cheap 2001 Buick Regal Car Insurance Quotes

Searching for better car insurance rates for your Buick Regal? Locating discount car insurance online is difficult for drivers that are relatively new to comparing rates and buying car insurance on the internet. With dozens of insurers available, how can anyone be able to compare every one to find the lowest price available?

Finding the best rates is not that difficult. Essentially every vehicle owner who is required by state law to have car insurance should be able to lower their premiums. But consumers can benefit by having an understanding of the methods companies use to sell online and take advantage of how the system works.

Lower-cost insurance coverage quotes with discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that can drop the cost substantially. A few discounts will be applied at quote time, but lesser-known reductions have to be specifically requested prior to receiving the credit.

  • Cautious Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates for Regal insurance than their less cautious counterparts.
  • Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts could see savings up to 30%.
  • Drive Less and Save – Driving fewer miles could earn slightly better insurance coveragerates than normal.
  • Theft Deterent System – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a car insurance quote.
  • Switch and Save Discount – Some companies give discounts for switching policies before your current policy expires. This discount can save up to 10%.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A list of insurance coverage companies and their offered discounts are:

  • Geico may have discounts that include daytime running lights, seat belt use, anti-lock brakes, air bags, federal employee, multi-vehicle, and five-year accident-free.
  • MetLife has savings for claim-free, good student, defensive driver, multi-policy, good driver, and accident-free.
  • Progressive offers discounts including online quote discount, good student, continuous coverage, multi-policy, multi-vehicle, and online signing.
  • Travelers has discounts for continuous insurance, home ownership, early quote, payment discounts, and student away at school.
  • SAFECO offers discounts for teen safe driver, anti-lock brakes, accident prevention training, safe driver, homeowner, multi-car, and anti-theft.
  • AAA offers premium reductions for good driver, AAA membership discount, education and occupation, multi-policy, anti-theft, and pay-in-full.

Before you buy a policy, ask each company to apply every possible discount. A few discounts might not apply in your area. If you would like to see a list of insurance companies who offer insurance coverage discounts, click this link.

How to get affordable insurance

When shopping for inexpensive car insurance quotes, there are a couple of ways of comparing rates from insurance companies in your area. The fastest way to comparison shop is to use the internet to compare rates. This is very easy and can be done in a couple minutes as outlined below.

  1. The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for boring form submissions to each individual insurance company. One form submission gets you coverage quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to get quotes online requires a trip to each company’s website and complete a new quote form. For instance, we’ll assume you want to see prices from Farmers, Esurance and State Farm. You would need to go to every website and enter your policy data, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming method to compare rates is to spend your day driving to all the different insurance agencies. The internet has reduced the need for local agents unless you require the professional abilities of a licensed agent. It is possible to price shop your coverage online but have your policy serviced through an agent.

It’s your choice how you get your quotes, but make sure you use equivalent information on every quote you get. If you are comparing different values for each quote it will be nearly impossible to make an equal comparison. Quoting even small variations in insurance coverages or limits can make a big difference in price. And when price shopping your coverage, more quotes will improve the odds of getting a better price.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions could help you determine whether or not you might need professional guidance.

  • Are rock chip repairs covered?
  • Is motorclub coverage worth it?
  • Does coverage extend to my business vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Can I afford low physical damage deductibles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Detailed coverages of your car insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, rock chips in glass and hail damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s 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. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like doctor visits, funeral costs, pain medications, surgery and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays for damage to your Regal resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, hitting a mailbox, hitting a parking meter, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Liability coverage

This will cover damage or injury you incur to people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like medical services, funeral expenses, structural damage, emergency aid and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

A fool and his money are soon parted

In this article, we covered a lot of ways to save on 2001 Buick Regal insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a small local company.

When shopping online for insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, someone dropped physical damage coverage only to find out that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

There are still a few companies who do not provide online quoting and these regional carriers only sell through independent agencies. Cost effective 2001 Buick Regal insurance is possible from both online companies and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture.

Much more information about insurance coverage can be found at these links: