Save on 2017 Buick Regal Car Insurance Quotes

Searching for cheaper auto insurance rates for your Buick Regal? Locating cheaper insurance for a new or used Buick Regal can normally be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to find auto insurance online so you’re going to learn the best way to quote coverages for a new or used Buick and locate the cheapest rates.

It’s a great practice to compare premium rates occasionally because auto insurance prices change quite often. Just because you found the lowest rates on Regal coverage last year you will most likely find a better premium rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the best methods to find the best coverage while lowering your premiums.

The most recommended method to compare policy rates is to know auto insurance companies will pay a fee to compare their rates. To begin a comparison, all you need to do is provide a small amount of information including how you use your vehicles, distance driven, if a SR-22 is required, and how much school you completed. Your insurance information gets sent immediately to many of the top insurers and you get price estimates with very little delay.

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

Car insurance policy discounts

Companies that sell car insurance don’t always publicize all possible discounts in an easy-to-find place, so below is a list some of the best known and also the lesser-known discounts that may be available.

• Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
• Onboard Data Collection – People who choose to allow driving data submission to monitor vehicle usage by using a telematics device in their vehicle such as State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
• Life Insurance Discount – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
• Low Mileage – Driving fewer miles may allow you to get lower prices on the low mileage vehicles.
• Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
• Distant Student Discount – Older children who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
• Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of 25 to 30%.

Keep in mind that some of the credits will not apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you could get a free car insurance policy, that’s just not realistic.

Companies and their offered discounts are outlined below.

• 21st Century discounts include teen driver, 55 and older, air bags, automatic seat belts, homeowners, theft prevention, and anti-lock brakes.
• Progressive may offer discounts for homeowner, online signing, continuous coverage, multi-policy, online quote discount, and multi-vehicle.
• State Farm offers discounts for accident-free, multiple policy, anti-theft, student away at school, driver’s education, and passive restraint.
• Nationwide policyholders can earn discounts including Farm Bureau membership, business or organization, multi-policy, defensive driving, anti-theft, easy pay, and good student.
• Esurance offers premium reductions for defensive driver, good driver, multi-policy, emergency road assistance, multi-car, and claim free.
• The Hartford has discounts for air bag, defensive driver, driver training, bundle, vehicle fuel type, good student, and anti-theft.

Before you buy a policy, ask every insurance company to give you their best rates. Some of the discounts discussed earlier may not be offered in every state. If you would like to view companies that offer discounts, follow this link.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether you will benefit from professional help.

• What is no-fault insurance?
• Does my policy pay for OEM or aftermarket parts?
• Do I have coverage when pulling a U-Haul trailer?
• What is roadside assistance coverage?
• How much can I save by bundling my policies?
• Am I covered if I hit a deer?
• Does my liability insurance cover pulling a trailer or camper?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages 101

Knowing the specifics of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers 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 pays for things such as hitting a bird, theft, a broken windshield, vandalism and fire damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

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

Collision can pay for claims like scraping a guard rail, colliding with a tree, hitting a mailbox, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for nursing services, dental work and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Buick Regal.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability

Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like bail bonds, funeral expenses, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.