1999 Buick Regal Insurance Quotes

Cutting costs on auto insurance is nearly impossible for beginners to shopping for insurance online. Consumers have so many choices that it can quickly become a real challenge to find lower rates.

Some factors that can determine what Buick Regal insurance costs

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Discounts for multiple policies – Most insurers will award you with lower prices to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even though this discount sounds good, you still need to compare rates to ensure the best deal.
  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. The safest vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Buick Regal earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Are you male or female? – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are better drivers. Both sexes are in accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets like DUI and reckless driving.
  • Do you need those extra coverages? – There are a ton of extra bells and whistles you can purchase on your auto insurance policy. Things like rental car reimbursement, better glass coverage and additional equipment coverage are examples of these. These coverages may sound good initially, but now you might not need them so remove them from your policy.
  • Discounts for married couples – Getting married can actually save you money on your policy. Marriage is viewed as being more responsible and it’s proven that married couples file fewer claims.
  • Lower rates come with age – More mature drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations. Youthful drivers tend to get distracted easily when driving therefore auto insurance rates are much higher.
  • Protect your assets with liability insurance – Liability insurance provides coverage if you are found to be at fault for damages caused by your negligence. Liability provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.

Insurance Quote Comparison

To find the best insurance prices, there are several ways of comparing rates from local insurance companies. The best method to find competitive 1999 Buick Regal insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

  1. One of the simplest ways consumers can analyze rates is a comparison rater form click to view form in new window. This easy form keeps you from doing boring form submissions for every insurance company. Filling out one form will get you rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to compare prices requires visiting each company website and complete a new quote form. For example, let’s assume you want rates from Auto-Owners, Progressive and Geico. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

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

  3. The least efficient method to compare rates is driving around to and from local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the personal advice that only a license agent can provide. However, consumers can obtain prices from the web but buy from a local insurance agent.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same coverage limits and deductibles on every quote. If you have mixed coverages it will be impossible to find the best deal for your Buick Regal. Quoting even small variations in coverages could mean much higher rates. And when comparing insurance rates, know that comparing a large number of companies gives you a better chance of getting the best rates.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive consistently run ads on television and other media. All the ads say the same thing that you can save if you change to their company. How does each company claim to save you money?

All companies have a certain “appetite” for the type of driver that makes them money. A good example of a preferred risk might be profiled as over the age of 50, has no prior claims, and drives newer vehicles. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don’t measure up to these standards will be quoted higher premiums which usually ends up with business not being written. The ads say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why companies can make the claims of big savings. This emphasizes why it is so important to get as many comparisons as possible. It is impossible to predict the company that will give you the biggest savings on Buick Regal insurance.

Discounts can save BIG

Companies that sell car insurance don’t always advertise all their discounts very well, so here is a list both the well known and also the lesser-known savings tricks you should be using.

  • Multi-policy Discount – When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Early Signing – A few companies offer discounts for signing up before your current policy expires. This can save 10% or more.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Buick can earn discounted rates on garaged vehicles.
  • Distant Student – Any of your kids living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Own a Home – Simply owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Companies who might offer some of the above discounts include:

Before buying, ask all companies you are considering which discounts they offer. Discounts may not apply everywhere.

Will just any policy work for me?

When it comes to buying the best insurance coverage coverage, there really is not a one size fits all plan. Every insured’s situation is different.

For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • When can my company non-renew my policy?
  • Do I benefit by insuring my home with the same company?
  • Does coverage extend to a rental car in a foreign country?
  • How do I insure my teen driver?
  • Do I have coverage when using my vehicle for my home business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I get a multi-policy discount?
  • Does insurance cover tools stolen from my truck?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

The coverage is in the details

Learning about specific coverages of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage covers damage to your Regal resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, sideswiping another vehicle, hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, a tree branch falling on your vehicle, theft, damage from a tornado or hurricane and hail damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

This provides protection from damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like attorney fees, funeral expenses, emergency aid, medical services and legal defense fees. How much coverage you buy is your choice, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Buick Regal.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical expense insurance

Med pay and PIP coverage pay for bills for things like funeral costs, X-ray expenses and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Make a quick buck

Drivers leave their current company for many reasons like policy non-renewal, denial of a claim, questionable increases in premium and even poor customer service. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

Discount 1999 Buick Regal insurance can be found on the web in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

We covered some good ideas how you can compare insurance prices online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with the least-expected company.

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