Cheap 2017 Buick Regal Car Insurance Rates

Looking for the cheapest car insurance rates for your Buick Regal? Comparing and finding cheaper coverage rates for Driverscar insurance may be difficult for drivers new to shopping for insurance online. With dozens of online companies, it can easily become a burden to locate the lowest price.

Finding the best rates is not that difficult. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this strategy. But drivers should learn how the larger insurance companies price insurance differently.

The best way we recommend to get policy rate comparisons is to realize most insurance companies actually pay money for the chance to compare rate quotes. The only thing you need to do is give them some information like if you lease or own, whether you have decent credit, types of safety features, and distance driven. That rating data is then sent to insurance carriers in your area and they return quotes instantly to find the best rate.

Insurance coverage policy discounts

Not many people think insurance is cheap, but you may be missing some discounts that many people don’t even know exist. Certain reductions will be credited at the time you complete a quote, but some must be inquired about in order for you to get them.

  • Bundled Policy Discount – If you insure your home and vehicles with the same company they may give you a discount of at least 10 to 15 percent or more.
  • Discounts for Multiple Vehicles – Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Government Employees – Federal government employees could qualify for a slight premium decrease for Regal coverage with certain companies.
  • Active Military Service – Having a family member in the military may qualify for rate reductions.
  • No Accidents – Drivers who don’t have accidents get the best insurance coverage rates in comparison with insureds who have frequent claims or accidents.
  • Discount for Passive Restraints – Vehicles equipped with air bags may get savings of 20 to 30 percent.

Policy discounts save money, but many deductions do not apply to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, it’s just not the way it works. But all discounts will bring down your policy premium.

Companies and their possible discounts can be found below.

  • State Farm includes discounts for multiple autos, Drive Safe & Save, multiple policy, good student, passive restraint, good driver, and Steer Clear safe driver discount.
  • Geico has discounts for air bags, good student, anti-lock brakes, multi-policy, and multi-vehicle.
  • Allstate may include discounts for early signing, new car, auto/life discount, FullPay discount, and anti-theft.
  • SAFECO may offer discounts for anti-lock brakes, teen safety rewards, drive less, multi-car, and accident prevention training.
  • Farm Bureau policyholders can earn discounts including multi-vehicle, renewal discount, good student, safe driver, 55 and retired, youthful driver, and multi-policy.
  • Progressive offers discounts for multi-policy, good student, continuous coverage, online quote discount, and online signing.
  • AAA has savings for anti-theft, good driver, education and occupation, multi-policy, and good student.

If you need low cost insurance coverage quotes, ask all the companies which discounts can lower your rates. A few discounts might not be available to policyholders in every state. If you would like to see a list of insurance companies who offer online insurance coverage quotes, follow this link.

How do I know if I need professional advice?

When choosing coverage, there is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • Why do I need rental car insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered when delivering products for my home-based business?
  • How many claims can I have before being cancelled?
  • Does coverage extend to my business vehicle?
  • Is rental equipment covered for theft or damage?
  • How do I insure my teen driver?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

Insurance premiums are influenced by these factors

The best way to find cheaper insurance is to take a look at the different types of things that help determine your premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that may reward you with big savings.

  • Discounts for married couples – Being married may earn you lower rates compared to being single. It may mean you are less irresponsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Premiums are lower the older you get – Older drivers tend to be more responsible, cost insurance companies less in claims and receive fewer citations.Drivers with little experience have been known to be less responsible behind the wheel therefore insurance rates are much higher.
  • Where you live factors in – Choosing to live in areas with lower population has definite advantages if you are looking for the lowest rates. People in densly populated areas regularly have much more traffic and a longer drive to work. Less people translates into fewer accidents and also fewer theft and vandalism claims.
  • Know your credit score – An insured’s credit rating factor in calculating your insurance rates. If your credit rating is not that good, you could save money insuring your 2017 Buick Regal by repairing your credit. Drivers who have excellent credit scores tend to be more responsible and file fewer claims than drivers who have poor credit.
  • Traffic violations inflate prices – Even one speeding ticket can increase rates to the point where it’s not affordable. Good drivers pay less for auto insurance compared to bad drivers. Drivers who have received dangerous violations like DUI, reckless driving or excessive speeding are required to complete a SR-22 with the DMV in their state in order to keep their license.
  • Don’t buy add-on coverages you don’t use – Insurance policies have a lot of optional add-on coverages that can add up when buying insurance. Add-on coverages like coverage for rental cars, accidental death, and membership fees may not be needed and are just wasting money. The coverages may be enticing initially, but your money might be better spent on other coverage so consider taking them off your policy.
  • Prevent your car from being stolen – Owning a car with a theft deterrent system can help lower your rates. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.

Coverages available on your policy

Knowing the specifics of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability

This provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision insurance pays for damage to your Regal caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like funeral costs, nursing services and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Buick Regal.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, vandalism, damage from getting keyed, damage from a tornado or hurricane and falling objects. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Cheaper insurance is a realistic goal

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped collision coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.

You just learned many ways to lower your 2017 Buick Regal insurance auto insurance rates. The key thing to remember is the more rate quotes you have, the better likelihood of getting cheaper insurance coverage. Consumers may even find the best price on car insurance is with an unexpected company.

Drivers switch companies for any number of reasons including delays in responding to claim requests, not issuing a premium refund, denial of a claim and even questionable increases in premium. Whatever your reason, switching car insurance companies can be less work than you think.

More information can be found at the links below