View 2003 Buick Regal Car Insurance Quotes

Searching for the cheapest auto insurance rates for your Buick Regal? Are you sick and tired of trying to scrape together enough money each month for car insurance? You’re in the same situation as many other drivers.

Numerous auto insurance companies battle to insure your vehicles, so it’s not easy to compare every provider and get the definite best rate

If you currently have car insurance, you will be able to reduce your rates substantially using this information. Buying car insurance is not that difficult. But car owners do need to learn how insurance companies market on the web because it can help you find the best coverage.

Where Can I Get Cheap Insurance?

The are a couple different ways to compare rate quotes from local insurance companies. One of the best ways to compare 2003 Buick Regal insurance prices is simply to get online rate quotes. This can be done in several different ways.

  1. The most efficient way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This form saves time by eliminating repetitive form submissions for each company. A single form will return quotes from insurance companies with the best prices.
  2. Another way to compare prices consists of going to each individual company website to complete their respective quote request forms. For example, let’s say you want to compare Allstate, Farmers and Liberty Mutual. To get rate quotes you would need to go to every website and enter your information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare the exact same deductibles and coverage limits with each company. If your comparisons have different deductibles it will be impossible to make an equal comparison. Having just a slight variation in coverages can make a big difference in price. Keep in mind that quoting more provides better odds of finding a better price.

You probably qualify for some discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that many people don’t even know exist. Most are applied at quote time, but lesser-known reductions have to be asked for before they will apply.

  • New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Drive Less and Save – Keeping the miles down on your Buick can earn better rates on cars that stay parked.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Claim Free – Claim-free drivers can earn big discounts when compared with bad drivers.
  • Homeowners Discount – Simply owning a home may earn you a small savings because owning a home is proof that your finances are in order.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% on Regal insurance depending on your company.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Multiple Cars – Buying coverage for all your vehicles on the same insurance policy qualifies for this discount.
  • Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiring. It can save you around 10%.

Keep in mind that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, it doesn’t quite work that way. But any discount will help reduce your overall premium however.

To see a list of companies with the best insurance discounts, follow this link.

Buick Regal insurance rates have many determining factors

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for car insurance. Knowing what influences your rates enables informed choices that may reward you with lower car insurance prices.

Shown below are a few of the “ingredients” car insurance companies consider when setting rates.

  • Where you reside plays a part – Choosing to live in small towns and rural areas can save you money when buying car insurance. Lower population means reduced accidents. Drivers in populated areas tend to have traffic congestion and much longer commute distances. Longer commute distances means more change of being in an accident.
  • Do men or women drive better? – The statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men tend to get into accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations such as reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • Do you need those extra coverages? – There are a lot of extra coverages that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, accidental death and motor club memberships are examples of these. These may sound like a good investment at first, but if you don’t need them eliminate them to save money.
  • High numbers of claims are not good – Insurance companies provide better rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can expect higher rates. Auto insurance is designed for the large, substantial claims.
  • Always keep insurance in force – Having an insurance coverage lapse is a quick way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • Lower deductibles cost more – Physical damage deductibles represent how much money you are required to spend if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The more money you’re willing to pay, the less your car insurance will be on Regal insurance.
  • Proper usage rating affects rates – The higher the mileage driven every year the more you will pay for car insurance. Most insurance companies rate vehicles based on their usage. Cars used primarily for pleasure use can get a lower rate than those used for commuting. An improperly rated Regal can result in significantly higher rates. Double check that your car insurance declarations sheet is showing the correct usage for each vehicle, because it can save money.

There’s no such thing as the perfect policy

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • Will filing a claim cost me more?
  • I don’t drive much so do I pay less?
  • How much liability do I need to cover my assets?
  • Does car insurance cover theft of personal property?
  • Where can I get insurance after a DUI in my state?
  • What if I don’t agree with a claim settlement offer?
  • How high should my medical payments coverage be?
  • What if I total my 2003 Buick Regal and owe more than it’s worth?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Ads can be misleading

Insurance providers like Geico, State Farm and Progressive constantly bombard you with ads on TV and radio. They all have a common claim that you’ll save big if you switch your coverage to them. How does each company make almost identical claims? It’s all in the numbers.

Insurance companies have a certain “appetite” for the driver that earns them a profit. For example, a preferred risk might be profiled as between 30 and 50, a clean driving record, and chooses high deductibles. Any new insured who fits that profile will get very good rates and therefore will save when they switch companies.

Drivers who fall outside these standards will have to pay more money and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can claim big savings.

Because of the profiling, it’s extremely important to get as many comparisons as possible. You cannot predict which insurance companies will give you the biggest savings on Buick Regal insurance.

Car insurance coverage information

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Liability coverage – Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair bills for other people’s vehicles, medical services, court costs, funeral expenses and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments – Med pay and PIP coverage reimburse you for expenses such as dental work, rehabilitation expenses, ambulance fees, hospital visits and surgery. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, damage from a tornado or hurricane, hail damage, vandalism and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Buick Regal.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, sustaining damage from a pot hole, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Buy Smart and Save

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice comprehensive coverage or liability limits and learned later that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Low-cost 2003 Buick Regal insurance can be bought from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

More tips and info about auto insurance is available in the articles below: