Cheap 1993 Buick Regal Insurance Quotes

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Trust us, you’re not the only one.

There are many auto insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to find the best rates for your vehicles.

You should take the time to do rate comparisons occasionally since insurance rates are constantly changing. Just because you found the best rates on Regal insurance two years ago you may be paying too much now. There is a lot of bad information regarding insurance online but we’re going to give you some excellent ideas to put money back in your pocket.

Finding the best rates is quite easy. If you currently have car insurance, you will be able to reduce your rates substantially using these methods. Although car owners must understand how insurance companies determine prices and use this information to your advantage.

How to Compare Insurance Costs

There are several ways to compare rate quotes from local insurance companies. The quickest method to find the cheapest 1993 Buick Regal insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

  • One of the simplest ways to get quotes is a comparison rater form (click to open form in new window). This type of form saves time by eliminating a different quote for every insurance company. Filling out one form will return quotes from several companies.
  • A more difficult way to get comparison quotes requires visiting each individual company website and complete a new quote form. For examples sake, let’s assume you want to compare rates from USAA, Geico and Progressive. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  • The most time-consuming way to get comparison rates is to spend your day driving to different agent offices. Buying insurance online has reduced the need for local agents unless you require the professional advice that only a license agent can provide. Drivers can price shop online and still use a local agent and we’ll cover that in a bit.

Whichever way you use, ensure you are comparing identical coverages for every quote you compare. If you use different limits and deductibles on each one it’s not possible to decipher which rate is best. Quoting even small variations in coverage limits could mean much higher rates. Just remember that quoting more will increase your chances of finding lower pricing.

Do insurance coverage companies bend the truth?

Insurance coverage companies such as State Farm, Allstate and Geico consistently run ads in print and on television. They all seem to make the same claim about savings if you change to them. How can each company claim to save you money? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured could possibly be over the age of 40, is a homeowner, and drives less than 10,000 miles a year. A driver who fits that profile is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t measure up to this ideal profile will be charged higher prices and ends up with business not being written. The ads say “drivers who switch” not “everybody who quotes” save that much. That’s why companies can make those claims. That is why it’s extremely important to compare many company’s rates. It’s impossible to know which insurance companies will provide you with the cheapest Buick Regal insurance rates.

What determines your Buick Regal insurance premium

It’s important that you understand the different types of things that go into determining auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get big savings.

Listed below are a few of the “ingredients” auto insurance companies consider when setting your rates.

  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection when you are found liable for damages from an accident. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • Discounts for multiple policies – Some insurance companies provide better rates to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. If you currently are using one company, you may still want to compare other company rates to make sure you are getting the best deal.
  • Teen drivers pay high rates – Teen drivers are statistically proven to get distracted easily behind the wheel so auto insurance rates are higher. Adding a teenage driver to your policy can be quite pricey. Older drivers are more responsible, file fewer claims and are safer drivers.
  • Traffic citations inflate rates – Your driving record impacts your car insurance rates tremendously. Even a single ticket can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers who get severe violations such as DUI or reckless driving may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Having a spouse can save you money – Having a wife or husband helps lower the price on auto insurance. Having a significant other translates into being more mature and responsible and it’s proven that married couples file fewer claims.
  • Rates may be higher depending on your occupation – Jobs such as judges, business owners and stock brokers are shown to have the highest rates because of high stress and lengthy work days. On the other hand, occupations like actors, students and retirees pay the least on Regal insurance.

Don’t overlook these discounts

Auto insurance companies don’t always list all their discounts very well, so we took the time to find both the well known as well as the least known ways to save on auto insurance.

  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Accident Waiver – Certain companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • No Claims – Drivers who don’t have accidents pay less as compared to drivers who are more careless.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on Regal insurance with select insurance companies.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Buick could qualify for a substantially lower rate.
  • College Student – Any of your kids who live away from home and do not have a car may qualify for this discount.
  • Safety Course Discount – Taking a driver safety course could cut 5% off your bill if you qualify.
  • Memberships – Participating in certain professional organizations may earn a discount when shopping for auto insurance on Regal insurance.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

Companies who might offer these discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Savings might not be offered everywhere.

Is my situation unique?

When buying coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. For example, these questions may help highlight if your situation could use an agent’s help.

  • Can I make deliveries for my home business?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does coverage extend to my business vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Coverage specifics

Having a good grasp of a auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, sustaining damage from a pot hole, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Auto liability

This will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as funeral expenses, structural damage, legal defense fees, court costs and loss of income. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for prosthetic devices, X-ray expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Regal.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The maximum amount 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.

A penny saved is a penny earned

The cheapest 1993 Buick Regal insurance can be sourced online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

We just presented a lot of techniques to reduce insurance prices online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with a small mutual company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

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