2003 Buick Regal Insurance Quotes

Price shopping your insurance is always difficult for beginners to comparison shopping online. There are so many options that it can turn into a real challenge to locate the lowest price.

You need to get comparison quotes periodically due to the fact that insurance rates are constantly changing. Even if you got the best deal for Regal coverage last year you may be paying too much now. Starting right now, forget anything you know (or think you know) about insurance because you’re about to learn the fastest way to remove unneeded coverages and save money.

Finding the best rates is quite easy. Just about anyone who carries insurance will more than likely be able to cut their insurance bill. But drivers can benefit from knowing how big insurance companies market insurance on the web because it can help you find the best coverage.

Why your Buick Regal insurance rates may be high

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to big savings.

  • Add-on coverages can add up – There are a ton of additional coverages that can waste your money if you aren’t careful. Coverages for roadside assistance, accident forgiveness and additional equipment coverage are examples of these. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate them to save money.
  • Discounts for multiple policies – Many companies will give a discount to insureds who buy several policies from them in the form of a multi-policy discount. Even with this discount, you still need to compare rates to confirm you are receiving the best rates possible. You may still find a better deal by splitting coverages up.
  • Men fork out a little more – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Women and men are in accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DUI and reckless driving.
  • Rates may be lower depending on your job – Occupations such as real estate brokers, social workers and financial analysts tend to pay higher average rates attributed to stressful work requirements and lengthy work days. Conversely, occupations such as scientists, engineers and the unemployed have the lowest average rates for Regal coverage.
  • Adjust deductibles and save – Your deductibles represent how much money you are required to spend if you file a covered claim. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The more money you’re willing to pay, the lower your rates will be for Regal coverage.
  • Pleasure use or commuting – Driving more miles each year the higher your rates will be. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage get more affordable rates compared to those used for work or business. Having the wrong rating on your Regal can result in significantly higher rates. Make sure your insurance coverage is rated on the proper vehicle usage.
  • Do you know you’re credit rating? – Credit score is a large factor in calculating your insurance rates. If your credit is lower than you’d like, you could be paying less to insure your 2003 Buick Regal by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with poor credit.

Insurance Comparison Rates

Effectively comparing insurance prices can take hours if you don’t understand the most efficient way. You could waste time talking to insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Most of the best insurance companies participate in a marketplace where prospective buyers only type in their quote data once, and at least one company returns a competitive quote based on the submitted data. This prevents consumers from doing form submissions for every insurance company. To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to using this type of form is you are unable to specify which insurance companies to get pricing from. If you would rather choose specific providers to compare prices, we have assembled a list of low cost insurance companies in your area. Click to view list.

However you get your quotes, make darn sure you compare apples-to-apples coverage information for each price quote. If the quotes have different liability limits it will be impossible to decipher which rate is best. Quoting even small variations in limits could mean much higher rates. And when comparing insurance rates, know that getting more free quotes helps you find the best price.

Do drivers who switch really save?

Progressive, Allstate and Geico regularly use ads on television and other media. All the companies have a common claim that you’ll save big if you move your coverage to them. But how can every company say the same thing?

All companies have a certain “appetite” for the right customer they prefer to insure. For instance, a preferred risk could be between the ages of 30 and 50, has no tickets, and chooses high deductibles. A driver who meets those qualifications gets the lowest rates and as a result will probably save when they switch companies.

Drivers who don’t measure up to this ideal profile will be quoted higher prices which usually ends up with the customer not buying. The ads say “people who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the way they do. This emphasizes why you should get as many comparisons as possible. You cannot predict which insurance company will fit your personal profile best.

Are you getting all your discounts?

Companies offering auto insurance don’t list all their discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known ways to save on car insurance.

  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for Regal coverage with select insurance companies.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more off your medical payments premium.
  • Accident Forgiveness – A few companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Distant Student – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Homeowners Savings – Being a homeowner can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies that possibly offer some of the above discounts are:

It’s a good idea to ask each insurance company which discounts they offer. Savings may not be available in your state.

When might I need an agent?

When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if you would benefit from an agent’s advice.

  • What is medical payments coverage?
  • When should I not file a claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • How can I get high-risk coverage after a DUI?
  • How many claims can I have before being cancelled?
  • Should I rate my 2003 Buick Regal as pleasure use or commute?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form.

Specifics of your insurance policy

Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, a tree branch falling on your vehicle and falling objects. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like ambulance fees, funeral costs, EMT expenses, nursing services and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your Regal from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims like emergency aid, pain and suffering, structural damage, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Shop. Compare. Save.

Lower-priced 2003 Buick Regal insurance is available both online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

You just read many tips how you can compare insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the lesser-known companies.

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice liability limits or collision coverage only to discover later that it was a big error on their part. Your goal should be to purchase a proper amount of coverage for the lowest price.

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