Cheaper 2016 Buick Regal Insurance Rates

Consumers have lots of choices when looking for the best price on Buick Regal insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to make rate comparisons.

There is a better way to find auto insurance online so you’re going to learn the quickest way to price shop coverage for a new or used Buick and locate the lowest possible price from local insurance agents and online providers.

It’s a great practice to do rate comparisons on a regular basis due to the fact that insurance prices change regularly. Just because you had the lowest quotes on Regal coverage six months ago a different company probably has better rates today. There is a lot of wrong information about auto insurance on the web, but we’re going to give you some great ideas on how to buy auto insurance cheaper.

Low cost insurance

There are a variety of methods to compare insurance quotes, but there is one way that is more efficient than others. You could spend the better part of a day driving to agents in your area, or you can stay home and use online quotes to maximize your effort.

Many insurance companies participate in a marketplace where prospective buyers only type in their quote data once, and every company then gives them pricing based on the submitted data. This saves time by eliminating repetitive form submissions for every insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of system is buyers cannot specifically choose the companies to receive prices from. If you prefer to choose individual companies to request quotes from, we have assembled a list of companies who write insurance in your area. Click here to view list.

Whichever method you choose, ensure you are comparing equivalent information with each company. If the quotes have different limits and deductibles on each one it will be impossible to determine which rate is truly the best.

Use discounts to get cheaper insurance quotes

Companies that sell car insurance don’t always publicize every discount very well, so the below list has both well-publicized and the harder-to-find credits that you can use to lower your rates.

Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
Resident Student – who are enrolled in higher education away from home and leave their car at home could get you a discount.
Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off on Regal coverage with certain companies.
Defensive Driving Course – Taking part in a course in driver safety can save you 5% or more and also improve your driving technique.
Auto/Home Discount – If you insure your home and vehicles with one company you could earn a discount of at least 10% off all policies.
One Accident Forgiven – Not really a discount, but a handful of insurance companies allow you one accident without the usual rate increase with the catch being you have to be claim-free for a specific time period.

We need to note that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it’s just not the way it works. But any discount will positively reduce your policy premiums.

If you would like to choose from a list of insurers offering insurance discounts, click here.

Smart buyers can save money

A large part of saving on auto insurance is knowing a few of the rating criteria that help calculate the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get cheaper rates. Lots of factors are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving record, but other factors are more obscure like where you live or your financial responsibility.

The list below includes a few of the “ingredients” auto insurance companies consider when setting premiums.

Long commutes cost more – The more miles you rack up on your Buick annually the more you’ll pay to insure it. Most companies charge rates determined by how the vehicle is used. Autos that have low annual miles receive lower rates than vehicles that have high annual mileage. An incorrectly rated Regal is throwing money out the window. It’s a good idea to make sure your auto insurance coverage states how each vehicle is driven, because improper ratings can cost you money.
Are you male or female? – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. This data doesn’t prove that men are WORSE drivers than women. Both sexes cause auto accidents in similar percentages, but guys have costlier accidents. Not only that, but men also get more serious tickets like reckless driving and DUI.
Youthful drivers pay higher costs – Inexperience drivers are statistically shown to be more careless with other occupants in the car so auto insurance rates are higher. Mature drivers have been proven to be more responsible, tend to cause fewer accidents and receive fewer citations.
Married people drive safer – Being married can get you a discount on auto insurance. Having a spouse generally demonstrates drivers are more mature than a single person and insurance companies like that being married results in fewer claims.
Bundle and save – Some insurance companies apply better rates to buyers that have more than one policy such as combining an auto and homeowners policy. Discounts can be ten percent or more. Even though this discount sounds good, you may still want to shop around to help guarantee you have the best rates.
Know your credit rating – Credit history is a large factor in calculating your auto insurance rates. People with high credit ratings tend to be more responsible and file fewer claims than those with worse credit. If your credit history can use some improvement, you could potentially save money when insuring your 2016 Buick Regal if you clean up your credit.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different.

These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

When can I cancel my policy?
Can I get a multi-policy discount?
What if I don’t agree with a claim settlement offer?
Am I covered when pulling a rental trailer?
Should I buy only the required minimum liability coverage?
Can I rate high risk drivers on liability-only vehicles?
Is my Buick Regal covered if I use it for business?
Does coverage extend to my business vehicle?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Insurance coverage companies are expert advertisers

Consumers can’t escape the ads that claim the best rates from the likes of State Farm and Allstate. They all try to convey promises that drivers will save a bundle just by switching your policy.

How is it plausible that every one can charge lower premium rates? It’s all in the wording.

All the different companies require specific criteria for the type of driver that earns them a profit. A good example of a profitable risk profile could be a mature driver, has no claims, and drives less than 5,000 miles a year. Any driver that matches those criteria will qualify for the lowest premium rates and most likely will pay quite a bit less when switching companies.

Consumers who are not a match for the ideal profile will be quoted higher premium rates and this can result in the customer buying from someone else. The wording the ads use say “drivers that switch” not “everyone that quotes” save that much money. That’s why companies can state the savings.

That is why drivers should get a wide range of price quotes. Because you cannot predict with any certainty which company will fit you best based on your risk profile.

Insurance coverage considerations

Understanding the coverages of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, hail damage, fire damage and rock chips in glass. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Buick Regal.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are set the same as your liablity limits.

Collision coverage protection

This covers damage to your Regal resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for prosthetic devices, funeral costs, chiropractic care and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, pain and suffering, funeral expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Be a money saver!

As you prepare to switch companies, never buy less coverage just to save a little money. There have been many situations where an insured cut comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The goal is to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

We covered many tips how you can get a better price on 2016 Buick Regal insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding affordable insurance. You may be surprised to find that the lowest auto insurance rates come from a small mutual company.

Discount 2016 Buick Regal insurance can be purchased online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not offer rates over the internet and many times these small, regional companies only sell through independent insurance agencies.