Save on 2002 Buick Regal Insurance Cost

Overpriced Buick Regal insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Comparing price quotes is a great way to reduce premiums and put more money in your pocket. You have so many insurance companies to purchase coverage from, and though it is a good thing to have a choice, too many choices makes it more difficult to locate the cheapest rates.

Finding affordable insurance coverage is easy if you know what you’re doing. If you are insured now or need a new policy, you can follow these tips to cut your premiums while maximizing coverage. Vehicle owners just need to learn how to compare company rates online.

Discounts are available to cut your rates

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be asked about before being credited. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Regal insurance.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in school.
  • Accident Waiver – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Club Memberships – Participating in a civic or occupational organization may earn a discount when shopping for auto insurance for Regal insurance.
  • Resident Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.

Drivers should understand that some credits don’t apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free auto insurance policy, companies wouldn’t make money that way. But all discounts will cut your premiums.

Companies that may have some of the above discounts may include but are not limited to:

Check with every prospective company which discounts they offer. Discounts might not apply in your area.

These factors can influence what you pay for Buick Regal insurance

An important part of buying insurance is that you know some of the elements that come into play when calculating your car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get lower car insurance prices.

  • Where you live is a factor – Residing in less populated areas can be a good thing when talking about car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Fewer people means reduced accidents.
  • Bundling policies can get discounts – Some insurance companies will award you with lower prices to policyholders who buy several policies from them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even if you’re getting this discount it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Your credit rating is important – A driver’s credit rating is a large factor in determining what you pay for car insurance. People with good credit tend to be more responsible as compared to drivers with lower ratings. Therefore, if your credit history can use some improvement, you could save money insuring your 2002 Buick Regal by repairing your credit.
  • Rates may be lower depending on your job – Jobs such as real estate brokers, business owners and financial analysts are shown to have higher average rates due to high stress and long work days. Conversely, jobs such as pilots, engineers and retirees pay the least for Regal insurance.
  • Better crash test results mean better rates – Cars with high safety ratings can get you lower premiums. These vehicles protect occupants better and fewer injuries means lower claim amounts passed on to you as lower rates. If your Buick Regal scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Protect yourself with liability coverage – The liability section of your policy is the protection when a jury decides you are liable for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.

Everyone needs different coverages

When it comes to buying the best insurance coverage, there really is no best way to insure your cars. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • Will I lose any money if I cancel my policy before it expires?
  • What companies insure drivers after a DUI or DWI?
  • Why is insurance for a teen driver so high?
  • Why do I need rental car insurance?
  • Am I covered if I break a side mirror?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I bundle my homeowners policy with my auto?
  • Does liability extend to a camper or trailer?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Save $403 a year? Really?

Consumers get pounded daily by advertisements for car insurance savings from companies such as Progressive, Geico, Allstate and State Farm. All the ads make an identical promise about savings if you switch your policy.

How can each company make almost identical claims?

Insurance companies have a certain “appetite” for the right customer that earns them a profit. An example of a desirable insured might be profiled as between 30 and 50, owns a home, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” is entitled to the best price and as a result will probably save when switching.

Potential customers who are not a match for the requirements will be charged higher prices which usually ends up with business going elsewhere. The ad wording is “customers who switch” but not “drivers who get quotes” save that kind of money. This is how companies can truthfully make the claims of big savings.

That is why you should get as many quotes as possible. Because you never know the company that will have the lowest Buick Regal insurance rates.

What car insurance coverages do you need?

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average car insurance policy.

Collision protection

This coverage pays for damage to your Regal from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like rehabilitation expenses, hospital visits, nursing services, pain medications and prosthetic devices. 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 not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability insurance

Liability coverage provides protection from damage or injury you incur to people or other property. This insurance protects YOU from claims by other people. It does not cover 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 commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, loss of income and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2002 Buick Regal.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, hitting a bird, a tree branch falling on your vehicle and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

In any little way, save everyday

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. In too many instances, someone dropped liability coverage limits to discover at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

In this article, we presented a lot of techniques to shop for 2002 Buick Regal insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

Additional information can be found at these links: