Lower Your 2014 Buick Regal Insurance Cost

Buyers have options when searching for the lowest priced Buick Regal insurance. They can either spend hours driving around to compare prices or leverage the internet to find the lowest rates. There are more efficient ways to compare insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for your Buick and get the lowest price from both online companies and local agents.

Consumers should take time to shop coverage around at least once a year because insurance prices fluctuate regularly. Even if you got the best price for Regal coverage a year ago you may be paying too much now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the best methods to lower your rates without sacrificing coverage.

Cheap insurance rates with discounts

Car insurance companies don’t necessarily list all disounts in a way that’s easy to find, so the list below gives a summary of some of the best known as well as some of the hidden discounts that you may qualify for.

  • Data Collection Discounts – Drivers who elect to allow data collection to analyze driving manner by using a telematic data system such as Progressive’s Snapshot might get better premium rates as long as they are good drivers.
  • Sign Early and Save – A few insurance companies offer discounts for switching policies prior to your current policy expiration. It can save you around 10%.
  • Student Discounts – Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
  • Full Payment Discount – By paying your entire bill at once rather than paying in monthly installments you can avoid monthly service charges.
  • Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education as it can save substantially.
  • Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase a life insurance policy as well.
  • Sign Online – Certain insurance companies may give you up to $50 for signing up digitally online.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of at least 10 to 15 percent or more.
  • Drive Safe and Save – Drivers without accidents may receive a discount up to 45% for Regal coverage than drivers with accidents.

Don’t be surprised that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works.

Popular insurance companies and a selection of discounts are shown below.

  • American Family discounts include bundled insurance, accident-free, good driver, early bird, and good student.
  • Farm Bureau may have discounts that include multi-vehicle, good student, safe driver, 55 and retired, and youthful driver.
  • State Farm offers discounts for defensive driving training, passive restraint, good driver, safe vehicle, Drive Safe & Save, and multiple autos.
  • Travelers includes discounts for payment discounts, IntelliDrive, home ownership, hybrid/electric vehicle, continuous insurance, and save driver.
  • The Hartford offers discounts including anti-theft, bundle, driver training, good student, vehicle fuel type, and air bag.
  • Geico has savings for anti-lock brakes, defensive driver, federal employee, driver training, military active duty, and anti-theft.
  • Progressive has discounts for good student, multi-policy, continuous coverage, online signing, and homeowner.

If you need cheaper auto insurance quotes, ask every insurance company which discounts you may be entitled to. Savings may not be offered in your area. For a list of companies offering insurance discounts, click here.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions could help you determine if you could use an agent’s help.

  • Who is covered by my policy?
  • Do I need an umbrella policy?
  • Is my babysitter covered when using my vehicle?
  • Do I need replacement cost coverage on my 2014 Buick Regal?
  • Do I need more liability coverage?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Is there truth in advertising?

Drivers can’t avoid all the ads that promise big savings for switching by companies like Allstate and Progressive. All the ads try to convey promises about saving some big amount if you move your policy.

It sounds good, but how can they all offer drivers better rates?

Insurance companies offer their best rates for a prospective insured that earns them the highest profit. For example, a driver they prefer should be a married male, owns a home, and insures a new vehicle. A driver who fits that profile will qualify for the lowest prices and will most likely save quite a bit of money when switching.

Consumers who don’t qualify for the requirements will be quoted higher prices which results in the prospect going elsewhere. If you listen closely, the ads state “customers who switch” not “everyone that quotes” can save as much as they claim. That’s why companies can state the savings. Because every company is different, you absolutely need to compare price quotes frequently. It is just not possible to predict the company that will have the lowest car insurance rates for your situation.

Coverages available on your insurance policy

Having a good grasp of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Buick Regal.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

Collision insurance pays for damage to your Regal resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a deer, vandalism and a tree branch falling on your vehicle. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills such as prosthetic devices, nursing services and hospital visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

This coverage can cover damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as loss of income, attorney fees, structural damage and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Be a smart shopper

When searching for cheap auto insurance quotes, never skimp on critical coverages to save a buck or two. Too many times, drivers have reduced full coverage only to regret at claim time that the savings was not a smart move. The goal is to purchase a proper amount of coverage at the best cost.

Cheaper insurance is available online and from local insurance agents, and you need to price shop both to get a complete price analysis. Some companies may not offer price quotes online and these small insurance companies prefer to sell through independent insurance agencies.

Insureds who switch companies do it for a number of reasons such as questionable increases in premium, unfair underwriting practices, high rates after DUI convictions and not issuing a premium refund. No matter why you want to switch, switching insurance companies is not as hard as you think.

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