2002 Buick Regal Insurance Quotes

Purchasing the cheapest car insurance on the web might seem difficult for drivers not familiar with price shopping on the internet. Because there are so many companies competing online, how are drivers able to have time to compare every car insurance company to find cheaper car insurance rates?

What determines Buick Regal insurance costs?

Many factors are used when pricing auto insurance. Some factors are common sense such as your driving record, but others are less obvious such as your marital status or your vehicle rating.

  • Teenagers are high risk – Older people are shown to be more cautious, are lower risk to insure and receive fewer citations.Young drivers are statistically proven to be more careless when driving so they pay higher insurance rates.
  • Always have insurance – Having a lapse in insurance coverage will be a guaranteed way to trigger a rate increase. In addition to paying higher premiums, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Vehicles with better crash test results save money – Cars with high safety ratings tend to be cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer serious injuries translates directly to fewer claims passed on to you as lower rates. If the Buick Regal is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Insurance rates and your vocation – Careers such as fire fighterspolice officers and stock brokers tend to pay higher average rates because of intense work situations and lengthy work days. On the other hand, careers such as professors, athletes and the unemployed pay the least on Regal insurance.
  • Save money by having high credit – An insured’s credit score is a large factor in calculating your premium rate. If your credit can use some improvement, you could be paying less to insure your 2002 Buick Regal if you improve your credit rating. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings.
  • Do thieves like your car? – Selecting a car model with anti-theft technology or alarm system can save you some money. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft.
  • Premiums increase with driving tickets – Your driving record impacts your car insurance rates tremendously. Good drivers pay lower auto insurance prices as compared to those with violations. Even a single citation may cause rates to rise by as much as twenty percent. Drivers who have gotten careless violations such as reckless driving or DUI may face state-mandated requirements to file a SR-22 with their state’s department of motor vehicles in order to keep their license.
  • Females tend to be lower risk – The statistics show that females tend to be a little less risky than males. However, this does not mean females are better at driving than males. Both genders get in at-fault accidents in similar percentages, but the men have costlier accidents. In addition to higher claims, males also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.

Use discounts to get cheaper insurance coverage rates

Companies that sell car insurance don’t always advertise the entire discount list in an easy-to-find place, so the list below details a few of the more common as well as the least known discounts that you may qualify for. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.

  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and therefore earn up to a 10% discount.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a lower price if you buy a life insurance policy as well.
  • Multi-car Discount – Insuring primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it can save substantially.
  • Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide before they charge you more for coverage so long as you are claim-free before the accident.

As a footnote on discounts, most discount credits are not given to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, it’s just not the way it works.

Larger insurance coverage companies and a selection of discounts can be read below.

  • AAA policyholders can earn discounts including anti-theft, education and occupation, good student, pay-in-full, AAA membership discount, multi-car, and good driver.
  • Progressive may include discounts for online signing, multi-policy, good student, continuous coverage, and homeowner.
  • State Farm has discounts for accident-free, good student, defensive driving training, Steer Clear safe driver discount, and student away at school.
  • Esurance has savings for Switch & Save, renters, defensive driver, anti-theft, multi-policy, and multi-car.
  • Nationwide may offer discounts for family plan, Farm Bureau membership, multi-policy, easy pay, and accident-free.

Before you buy a policy, ask every insurance company how you can save money. Some of the earlier mentioned discounts may not apply to policies in your state.

Don’t believe everything you hear

Companies like Allstate and Progressive seem to constantly run ads on television and other media. They all make the point that you can save just by switching to them. How does every company charge lower premium rates?

Different companies have specific guidelines for the type of insured that will not have excessive claims. For instance, a desirable insured might be described as over age 30, carries full coverage, and has a high credit rating. A customer that matches those criteria will probably get the lowest auto insurance rates and most likely will pay quite a bit less when switching companies.

Insureds who do not meet those criteria will be quoted higher prices which translates to business going elsewhere. The ads say “drivers who switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can make those statements.

This really illustrates why you should compare many company’s premium rates. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • Is my nanny covered when driving my vehicle?
  • When should I drop full coverage on my 2002 Buick Regal?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when driving in Canada or Mexico?
  • Is other people’s property covered if stolen from my vehicle?
  • How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form.

Specific coverages for a Buick Regal

Knowing the specifics of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for liability

This provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as court costs, emergency aid, bail bonds, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Buick Regal.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

This coverage pays for damage to your Regal from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, scraping a guard rail, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as pain medications, doctor visits, X-ray expenses, chiropractic care and prosthetic devices. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, rock chips in glass, fire damage, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Take this to the bank

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

In this article, we covered a lot of ways to compare 2002 Buick Regal insurance rates online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable car insurance. Consumers could even find that the best rates are with the least-expected company.

Some insurance providers may not offer online quoting and most of the time these small insurance companies prefer to sell through independent agencies. Cheaper 2002 Buick Regal insurance is possible both online and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis.

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