View 2003 Buick Regal Car Insurance Rates

Trying to find better insurance coverage rates for your Buick Regal? Paying for high-priced Buick Regal insurance can bottom out your accounts, especially in this economy.

Many insurance companies vie for your business, so it can be very hard to choose a company and get the best coverage at the lowest price

It’s smart to do rate comparisons occasionally since insurance prices are variable and change quite frequently. Just because you had the best price for Regal coverage six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because we’re going to show you the proper way to find lower rates on insurance coverage.

How to get insurance rate quotes

There are a variety of methods you can shop for insurance but one way is less time-consuming than others. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use online quoting to maximize your effort.

Most of the best insurance companies enroll in a system that enables customers to submit one quote, and every company can provide price quotes determined by their information. This system prevents you from having to do quote forms for each company you want a rate for.

To compare rates using this form now click here to open in new window.

The only downside to using this type of form is you cannot specify which carriers you will receive quotes from. So if you want to select specific insurance companies to receive pricing from, we have a page of companies who write insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using nearly identical quote information on every quote you get. If each company quotes mixed coverages you will not be able to determine the lowest rate for your Buick Regal. Having just a slight variation in insurance coverages may result in large price differences. It’s important to know that quoting more will enable you to find a better price.

What insurance coverages do I need?

When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation might need professional guidance.

• Is my trailer covered?
• Are split liability limits better than a combined single limit?
• When should my teen driver be added to my policy?
• Does my personal policy cover me when driving out-of-state?
• Is a fancy paint job covered?
• Am I insured when driving a different vehicle?
• Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverage details

Knowing the specifics of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by auto insurance companies.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for prosthetic devices, ambulance fees, rehabilitation expenses, dental work and X-ray expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2003 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. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

This coverage covers damage to your Regal resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, damage from a tornado or hurricane, damage from getting keyed, damage from flooding and falling objects. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

This coverage protects you from injuries or damage you cause to other people or property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like emergency aid, medical services and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.