2004 Buick Regal Insurance Rates

Trying to find cheaper car insurance rates for your Buick Regal? No one likes having to buy car insurance, especially when they could find better prices if they shop around. Many car insurance companies vie for your insurance dollar, and it can be difficult to compare rates to find the lowest rate

If you have insurance now or are shopping for new coverage, you can use this information to reduce the price you pay while maintaining coverages. Finding affordable coverage is quite easy. Drivers just need to know the most effective way to compare rates on the web.

More discounts mean affordable premiums

Auto insurance is easily one of your largest bills, but companies offer discounts that may help make it more affordable. Certain discounts will be applied when you purchase, but less common discounts must be asked about before you will receive the discount.

  • Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you could save 5% or more.
  • Telematics Data Discounts – Drivers that enable companies to monitor driving patterns remotely such as Progressive’s Snapshot might get better premium rates if they are good drivers.
  • Multiple Cars – Having more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more on Regal insurance compared to accident prone drivers.
  • New Car Discount – Insuring a vehicle that is new can save you some money since newer models have better safety ratings.
  • Passive Restraints and Air Bags – Options like air bags or motorized seat belts can qualify for discounts of 25 to 30%.
  • Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the medical payments premium.
  • Driver’s Ed – Have your child sucessfully take a drivers education course in school.

You can save money using discounts, but most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, it’s just not the way it works.

A few companies that may have these discounts include:

Check with all the companies which credits you are entitled to. Discounts may not apply in every state. To see a list of insurance companies that offer the discounts shown above, follow this link.

Insurance premium influencing factors

Lots of factors are part of the calculation when premium rates are determined. Some factors are common sense such as your driving history, although others are more obscure such as your marital status or how financially stable you are.An important part of buying insurance is that you know some of the factors that help calculate your policy premiums. If you know what influences your rates, this empowers consumers to make smart changes that could result in lower car insurance prices.

  • Premiums are affected by your credit score – Having a bad credit rating is a big factor in determining what you pay for car insurance. If your credit can be improved, you could potentially save money when insuring your 2004 Buick Regal by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit scores.
  • Costs for men may be higher – Statistics show women are more cautious behind the wheel. It does not mean males are worse at driving than females. Females and males tend to get into auto accidents in similar numbers, but males have costlier accidents. Not only are claims higher, but men receive more major tickets like driving under the influence (DUI).
  • Only buy incidental coverages you need – There are many extra coverages that may not really be needed but may not be useful. Coverages for roadside assistance, death and dismemberment, and motor club memberships are some examples. They may sound like good ideas at first, but if you’ve never needed them in the past consider taking them off your policy.
  • Save by driving less – The more you drive your Buick every year the more you will pay for car insurance. Most companies calculate rates determined by how the vehicle is used. Cars and trucks not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Make sure your car insurance policy properly reflects how each vehicle is driven, because it can save money. Having an incorrect usage rating on your Regal is just wasting money.
  • Lower rates by increasing deductibles – Physical damage deductibles are how much you are required to pay if a claim is determined to be covered. Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of covered claims are colliding with a stationary object, damage from fire, and damage from wind. The larger the amount you are required to pay out-of-pocket, the better rate you will receive on Regal insurance.
  • Cautious drivers pay better prices – Attentive drivers get better prices than their less careful counterparts. Only having one speeding ticket or other violation could increase your next policy renewal twenty percent or more. Drivers unfortunate enough to have multiple citations such as reckless driving or DUI may find they need to submit a SR-22 form with their state in order to keep their license.

It’s not one size fits all

When choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

  • Does my 2004 Buick Regal need full coverage?
  • I don’t drive much so do I pay less?
  • Does my car insurance cover rental cars?
  • What happens if I owe more than my 2004 Buick Regal is worth?
  • Is pleasure use cheaper than using my 2004 Buick Regal to commute?
  • When should I buy a commercial auto policy?
  • Can I drive in Mexico and have coverage?
  • Do I have newly-aquired coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for immediate expenses like funeral costs, hospital visits, EMT expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance – This coverage will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like medical services, repair bills for other people’s vehicles and structural damage. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision coverages – This will pay to fix damage to your Regal resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

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

Comprehensive insurance covers things like falling objects, a tree branch falling on your vehicle, hail damage, hitting a bird and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Buick Regal.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Quote more, save more

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where someone dropped comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible at a price you can afford.

Some insurance companies do not offer the ability to get a quote online and these small, regional companies only sell coverage through independent insurance agents. Cheaper insurance coverage can be sourced on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection.

Additional information is available on the following sites: