2011 Buick Regal Insurance Rates – 5 Tricks for Cheapest Quotes

Looking for the cheapest insurance coverage rates for your Buick Regal? Finding the cheapest insurance for your Buick Regal can be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to shop for insurance coverage and we’ll show you the proper way to price shop coverage on a Buick and find the cheapest rates either online or from local insurance agents.

Save money with these five discounts

Auto insurance companies do not advertise every policy discount in a way that’s easy to find, so the list below details a few of the more well known and also the lesser-known ways to save on car insurance. If you do not double check each discount you deserve, you could be getting lower rates.

  • Professional Organizations – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates on your bill.
  • Multi-policy Discount – When you combine your auto and home insurance and place coverage with the same company you may earn nearly 15% which can help you find cheap car insurance.
  • Home Ownership Discount – Owning a house can get you a discount because of the fact that having a home is proof of financial responsibility.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles help deter theft so companies will give you a small discount.
  • One Accident Forgiven – This one isn’t a discount, but a few companies such as Liberty Mutual and Geico permit an accident before your rates go up so long as you haven’t had any claims for a specific time period.

Policy discounts save money, but most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you could get a free car insurance policy, it doesn’t quite work that way.

Car insurance companies that may include these benefits may include but are not limited to:

It’s a good idea to ask each company to give you their best rates. Discounts might not be offered on policies in your area. To see a list of providers with discount rates, follow this link.

Auto insurance can be complex

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need added coverage for expensive stereo equipment?
  • Is my teen driver covered when they drive my company car?
  • Am I better off with higher deductibles on my 2011 Buick Regal?
  • Should I buy additional glass protection?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Detailed coverages of your auto insurance policy

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants 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 should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle 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 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, a tree branch falling on your vehicle, a broken windshield and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, emergency aid, structural damage, attorney fees and loss of income. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like rehabilitation expenses, dental work and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

A fool and his money are soon parted

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. In too many instances, someone dropped liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy enough coverage at the best possible price while still protecting your assets.

Insureds who switch companies do it for many reasons like unfair underwriting practices, high rates after DUI convictions, an unsatisfactory settlement offer and even delays in paying claims. No matter why you want to switch, choosing a new company can be pretty painless.

We’ve covered a lot of tips how to save on 2011 Buick Regal insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the most savings is with the least-expected company.

More tips and info about auto insurance can be read in these articles: