2012 Buick Regal Insurance Cost – 5 Tips for Best Prices

Looking for better auto insurance rates for your Buick Regal? Scraping up a payment for overpriced Buick Regal insurance can dry up your funds and force you to tighten up your finances. Doing a rate analysis can lower your rates and help to lower your bills every month.

There are many auto insurance companies to pick from, and though it is a good thing to have multiple companies, it can be more difficult to find the lowest rates.

Finding affordable coverage is not that difficult. In a nutshell, every driver who has to buy insurance coverage will more than likely be able to reduce their rates. Although car owners need to have an understanding of how companies sell insurance online.

The most recommended method to compare insurance rates from multiple companies is to realize all the major auto insurance companies allow for online access to compare their rates. To start a quote, the only thing you need to do is provide the companies a bit of rating information including your education level, which vehicles you own, if it has an alarm system, and what your job is. That information is then submitted to many highly-rated insurers and you will receive price estimates instantly to find the best rate.

To compare multiple company rates now, click here and complete the quick form.

Auto insurance ads are enticing

Geico, State Farm and Progressive continually stream television and radio advertisements. They all make the same claim that drivers will save a bundle after switching your policy. It sounds good, but how can they all give you a lower rate? It’s all in how they say it.

All the different companies can use profiling for the type of customer that is profitable for them. A good example of this type of risk profile might be a female over age 40, has no tickets, and drives less than 7,500 miles a year. Any person who meets those qualifications will qualify for the lowest premium rates and have a good chance to cut their rates if they switch.

Potential customers who fall outside this ideal profile will probably be forced to pay a more expensive rate with the end result being the customer buying from a different company. The ads say “people who switch” but not “everyone who gets a quote” save money. This is how insurance companies can confidently make the claims of big savings. This emphasizes why it’s extremely important to do a quote comparison often. Because you cannot predict which auto insurance company will have better premium rates than you’re paying now.

Insurance companies offer many discounts

Companies offering auto insurance do not list every disount available in an easy-to-find place, so we researched a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy auto insurance online.

  • Defensive Driver – Successfully completing a defensive driver course can save you 5% or more if you qualify.
  • Discount for Multiple Policies – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Claim-Free Discount – Claim-free drivers get the best insurance rates in comparison with policyholders that have many claims.
  • E-sign Discounts – Some of the larger companies give back up to $50 for signing up on the internet.
  • Good Driver Discounts – Insureds without accidents may receive a discount up to 45% for Regal insurance as compared to drivers with claims.

You should keep in mind that most discount credits are not given the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way.

The best insurance companies and their possible discounts can be read below.

  • Farm Bureau has savings for multi-policy, youthful driver, safe driver, renewal discount, and good student.
  • MetLife offers premium reductions for accident-free, claim-free, multi-policy, defensive driver, and good student.
  • Progressive policyholders can earn discounts including multi-policy, online quote discount, homeowner, multi-vehicle, online signing, and continuous coverage.
  • AAA has discounts for education and occupation, AAA membership discount, anti-theft, pay-in-full, multi-policy, good student, and multi-car.
  • American Family may have discounts that include good driver, multi-vehicle, good student, mySafetyValet, bundled insurance, early bird, and Steer into Savings.
  • Geico includes discounts for defensive driver, emergency military deployment, seat belt use, military active duty, multi-vehicle, federal employee, and driver training.
  • State Farm may include discounts for passive restraint, multiple policy, multiple autos, Drive Safe & Save, and accident-free.

When getting a coverage quote, ask every insurance company which discounts they offer. Savings may not apply to policies in your area. To find companies who offer discounts, click this link.

Do I just need basic coverages?

When buying the best auto insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine whether you might need professional guidance.

  • Is my teen driver covered when they drive my company car?
  • Should I waive the damage coverage when renting a car?
  • If my pet gets injured in an accident are they covered?
  • Do I need higher collision deductibles?
  • Do I need added coverage for expensive stereo equipment?
  • Should I buy only the required minimum liability coverage?
  • Can I get a multi-policy discount?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Insurance coverage considerations

Learning about specific coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses such as prosthetic devices, surgery and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, a broken windshield, rock chips in glass, hail damage and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability insurance

This protects you from damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as funeral expenses, structural damage, court costs, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This coverage pays for damage to your Regal from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with a tree, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

In Summary

We covered a lot of information how to lower your 2012 Buick Regal insurance car insurance rates. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest car insurance rates are with a small mutual company. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive or Geico.

Lower-priced auto insurance is attainable online and from local insurance agents, so you need to shop auto insurance with both to get a complete price analysis. There are still a few companies who don’t offer online rate quotes and these smaller companies provide coverage only through independent insurance agencies.

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