1996 Buick Regal Car Insurance Rates

Looking for better auto insurance rates for your Buick Regal? Searching for the lowest cost auto insurance on the web is challenging for people who are new to online price comaprisons. Since there are so many insurers available, how can drivers have a chance to compare the different rates to find the lowest rates?

The purpose of this article is to instruct you on how to get online quotes and some tips to save money. If you are paying for car insurance now, you should be able to save some money using these techniques. But consumers must know the methods companies use to sell insurance online and take advantage of how the system works.

Finding Auto Insurance Deals

When shopping for auto insurance there are multiple ways to compare quotes from different insurance companies. The simplest method to find the lowest 1996 Buick Regal rates is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

The recommended way to find low rates is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing separate quotes to each individual auto insurance company. A single, simple form will get you price quotes from several companies. It’s definitely the quickest method.

Another way to analyze rates is to take the time to go to the website of each company to complete their respective quote request forms. For instance, we’ll pretend you want comparison quotes from Allstate, Progressive and American Family. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make absolute certain that you use exactly the same information for every quote you compare. If your comparisons have higher or lower deductibles then you won’t be able to determine which rate is truly the best. Just a small difference in limits can result in a big premium difference. And when price shopping your coverage, quoting more will improve the odds of getting better pricing.

Save money by taking advantage of these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to cut the cost considerably. Some trigger automatically at quote time, but a few must be asked for prior to getting the savings.

Discount for Life Insurance – Some companies give better rates if you take out life insurance.
Claim Free – Claim-free drivers can earn big discounts when compared to bad drivers.
E-sign – A handful of insurance companies will give a small break for buying your policy over the internet.
College Student – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.
New Car Discount – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
One Accident Forgiven – A few companies allow you one accident without raising rates so long as you haven’t had any claims for a certain period of time.
Military Rewards – Being on active duty in the military could mean lower rates.

Consumers should know that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. So when the math indicates you could get a free insurance coverage policy, it doesn’t quite work that way. Any qualifying discounts will reduce your overall premium however.

Car insurance companies that may have some of the above discounts are:

Before buying, ask every prospective company which discounts you may be entitled to. Discounts might not apply in your state.

When should I use an insurance agent?

When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

For example, these questions could help you determine if you might need professional guidance.

Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Will my vehicle be repaired with OEM or aftermarket parts?
Should I rate my 1996 Buick Regal as pleasure use or commute?
When can I cancel my policy?
Is a fancy paint job covered?
Can I afford to buy a different vehicle if my 1996 Buick Regal is totaled?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Car insurance coverages and their meanings

Knowing the specifics of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for X-ray expenses, dental work, chiropractic care and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, hail damage, hitting a deer and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

This will cover damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like funeral expenses, structural damage, loss of income, bail bonds and pain and suffering. How much coverage you buy is your choice, but consider buying as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 1996 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. So UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Auto collision coverage

Collision coverage will pay to fix 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 claims such as crashing into a building, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.