2013 Buick Regal Insurance Rates – 8 Ideas for Best Quotes

Searching for lower insurance coverage rates for your Buick Regal? Baffled by the crazy number of insurance coverage providers in your area? Many other drivers are as well. vehicle owners have such a large number of options that it can easily become a chore to locate the lowest insurance coverage rates.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Locating cheaper auto insurance coverage can be fairly easy. But drivers do need to learn how the larger insurance companies price insurance differently.

The best way to get rate comparisons utilizes the fact auto insurance companies pay for the opportunity to give you rate quotes. To get started, all you need to do is spend a couple of minutes providing details like an estimate of your credit level, if the car is leased, any included safety features, and whether you are single or married. Your information is sent automatically to many highly-rated insurers and you will receive price estimates with very little delay.

If you would like to compare rates now, click here and complete the form.

These eight discounts can slash auto insurance rates

Some companies don’t always advertise every discount very well, so the list below contains a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.

  • Save over 55 – Older drivers can get reduced rates for Regal coverage.
  • Paper-free Discount – Many insurance companies give back up to $50 for signing up over the internet.
  • Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it can save substantially.
  • Federal Employees – Having worked for a branch of the government may reduce rates when you quote car insurance for Regal coverage depending on your auto insurance provider.
  • Driver Training Discounts – Taking part in a course in defensive driving could possibly earn you a 5% discount if your company offers it.
  • Membership in Organizations – Joining qualifying clubs or civic groups may earn a discount on your policy.
  • New Car Discount – Putting auto insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any amount of discount should definitely cut the amount you pay for coverage.

To see companies that provide some of the discounts listed above, click this link.

When do I need an agent’s advice?

When choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • Is my dog or cat covered if injured in an accident?
  • Does liability extend to a camper or trailer?
  • Why is insurance for a teen driver so high?
  • Can I afford to pay high deductible claims out of pocket?
  • What is the ISO rating for a 2013 Buick Regal?
  • When would I need additional glass coverage?
  • Do I need an umbrella policy?
  • Where can I find high-risk insurance?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Insurance coverage ads are enticing

State Farm, Allstate and Geico regularly use ads in print and on television. All the ads make the same claim about savings if you switch to their company. Is it even possible that every company can sell you cheaper insurance coverage? Just pay attention to how they say it.

Insurance coverage companies have underwriting criteria for the type of insured that earns them a profit. One example of a profitable risk profile may need to be over the age of 35, has no prior claims, and drives less than 7,500 miles a year. Any customer who matches that profile is entitled to the best price and most likely will save a lot if they switch.

Insureds who do not match the ideal profile will be charged higher premium rates and this results in the customer buying from a different company. The ads state “people who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can state the savings.

That is why you should get car insurance quotes as often as possible. It’s impossible to know which insurance companies will have the lowest rates.

Insurance coverage specifics

Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, a broken windshield, falling objects, hitting a bird and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for things like pain medications, funeral costs, dental work, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as legal defense fees, bail bonds, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Buick Regal.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

In conclusion

In this article, we presented a lot of information how to get a better price on 2013 Buick Regal insurance. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates are with a smaller regional carrier.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to find out that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

Cheaper insurance coverage can be sourced on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance coverage companies do not provide rates over the internet and these small insurance companies sell through independent agencies.

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