1998 Buick Regal Insurance Rates – 6 Tips for Cheaper Quotes

Are you sick and tired of not being able to afford to insure your Buick every month? You are no different than many other consumers.

Many insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers to get the lowest price

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Finding affordable coverage is not that difficult. But consumers benefit from understanding the methods companies use to sell insurance online and use this information to your advantage.

Discounts on Buick Regal insurance

Companies offering auto insurance don’t always advertise every discount in a way that’s easy to find, so here is a list some of the more common and the more hidden savings tricks you should be using.

  • Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy could earn a price break for each car.
  • New Vehicle Savings – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Student Driver Training – Have your child complete a driver education course in school.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Sign Early and Save – A few companies offer discounts for switching to them before your current policy expires. It can save you around 10%.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for Regal coverage with certain companies.

Consumers should know that most credits do not apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Insurance companies that may have these benefits are:

It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

The insurance bait and switch

Insurance companies such as Allstate and Progressive constantly bombard you with ads on television and other media. They all seem to make the same claim of big savings if you switch your coverage to them. But how can every company make the same claim?

Different companies have a preferred profile for the type of customer they prefer to insure. For example, a desirable insured might be profiled as between the ages of 40 and 55, owns a home, and chooses high deductibles. A customer getting a price quote who matches those parameters receives the best rates and therefore will save a lot of money.

Potential customers who don’t meet this ideal profile will be quoted a higher premium which usually ends up with business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that much. This is how companies can truthfully claim big savings. This emphasizes why you need to compare many company’s rates. It’s just too difficult to predict which insurance companies will have the lowest Buick Regal insurance rates.

Tailor your coverage to you

When choosing adequate coverage, there really is not a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my state a no-fault state?
  • Why am I required to get a high-risk car insurance policy?
  • Is my Buick Regal covered if I use it for business?
  • Am I covered by my spouse’s policy after a separation?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when driving in Canada or Mexico?
  • Do I really need UM/UIM coverage?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Auto insurance 101

Knowing the specifics of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by auto insurance companies.

Liability car insurance

This protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

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. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, medical services, loss of income, attorney fees and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for things like pain medications, hospital visits and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, hail damage, rock chips in glass and hitting a deer. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Buick Regal.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Be a money saver!

Cost effective 1998 Buick Regal insurance can be sourced both online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

You just learned many ideas to save on insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising. These companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

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