2011 Buick Regal Insurance Quotes – 9 Discounts for Cheaper Rates

Searching for better insurance prices for your Buick Regal can be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the quickest way to get price quotes for a Buick and find the best price possible.

If you are insured now or are just looking to switch companies, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Finding cheaper auto insurance is easy if you know what you’re doing. Drivers only need an understanding of the proper way to find the lowest price online.

More discounts equal less premium

Car insurance companies do not advertise all their discounts very well, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using. If you don’t get every credit available, you’re just leaving money on the table.

  • Own a Home – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Regal coverage than drivers with accidents.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Drive Less and Save – Keeping the miles down on your Buick could be rewarded with lower rates on the low mileage vehicles.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get better insurance rates for Regal coverage.
  • College Student – Kids in college who are attending college and do not have a car can be insured at a reduced rate.
  • No Charge for an Accident – A few companies allow you one accident before your rates go up if your claims history is clear for a set time period.
  • Auto/Life Discount – Some companies give a break if you buy life insurance from them.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

Insurance companies that may offer some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering what discounts are available to you. Some discounts may not apply in your state.

It’s not one size fits all

When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions can help discover whether or not you could use an agent’s help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I bundle my homeowners policy with my auto?
  • Can my babysitter drive my car?
  • Are rock chip repairs covered?
  • Why do I only qualify for high-risk insurance?
  • What vehicles should carry emergency assistance coverage?
  • What companies insure drivers after a DUI or DWI?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Don’t be fooled by advertising claims

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Geico, State Farm and Progressive. They all seem to have a common claim that you can save after switching your coverage to them.

How do they all make almost identical claims?

Different companies are able to cherry pick for the driver that earns them a profit. An example of a desirable insured might be over the age of 40, has no prior claims, and has great credit. Any new insured who fits that profile will get the preferred rates and therefore will cut their rates substantially.

Potential customers who don’t qualify for the “perfect” profile will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save money. This is how companies can truthfully advertise the savings. That is why drivers should quote coverage with many companies. Because you never know which company will have the lowest Buick Regal insurance rates.

Educate yourself about auto insurance coverages

Understanding the coverages of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, hail damage and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2011 Buick Regal.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance – Coverage for medical payments and/or PIP pay for bills for things like pain medications, rehabilitation expenses and surgery. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverages – This coverage covers damage to your Regal resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability auto insurance – Liability coverage can cover damage that occurs to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like repair costs for stationary objects, pain and suffering, emergency aid and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Feed the piggy bank

We’ve covered many tips how you can get a better price on 2011 Buick Regal insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies.

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. Too many times, an insured cut liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.

People change insurance companies for a number of reasons such as policy non-renewal, an unsatisfactory settlement offer, unfair underwriting practices or being labeled a high risk driver. Regardless of your reason for switching companies, switching auto insurance companies is not as hard as you think.

Much more information about auto insurance can be read on the following sites: