2013 Buick Regal Car Insurance Rates

Trying to find better auto insurance rates for your Buick Regal? Having to pay for overpriced auto insurance can dwindle your checking account and make it impossible to make ends meet. Comparing price quotes is a great way to slash your bill and have more diposable income. Multiple insurance companies compete for your business, and it can be difficult to compare rates to discover the definitive best price available.

If you have a policy now or are looking for a new policy, you can use this information to shop for the lowest rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Consumers only need an understanding of the best way to get comparison rates over the internet.

Buick Regal insurance rates can be determined by these details

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.

  • Don’t cancel a policy without a new one in place – Driving without insurance is against the law and you will pay a penalty because you let your insurance expire. Not only will you pay more, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Higher deductibles cost less – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Buick from damage. A few examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend in the event of a claim. The more expense you have to pay, the less your company will charge you for insurance on Regal coverage.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Safer occupants lowers premiums – Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and better occupant protection 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.
  • Bundling policies can get discounts – The majority of auto insurance companies provide better rates to policyholders who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. Consumers may find better rates by buying auto insurance from a different company.
  • Big city or small town – Residing in a small town has it’s advantages when it comes to auto insurance. Less people living in that area means fewer accidents. City drivers have to deal with congested traffic and longer commute times. More time on the road means more change of being in an accident.
  • Too many auto insurance claims drive up costs – If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Companies give lower rates to drivers who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Sex matters – The statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Men and women have accidents at about the same rate, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.

How to reduce Buick Regal insurance rates

The price of auto insurance can be rather high, but you may find discounts that many people don’t even know exist. Some trigger automatically at the time of quoting, but a few must be asked for before you get the savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Auto/Life Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Defensive Driver – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates when buying auto insurance on Regal coverage.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.

Consumers should know that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts will bring down the cost of coverage.

For a list of providers offering auto insurance discounts, click this link.

Tailor your coverage to you

When buying the best car insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you will benefit from professional help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my 2013 Buick Regal covered for flood damage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I put collision coverage on all my vehicles?
  • Do I need rental car coverage?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

The coverage is in the details

Knowing the specifics of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most insurance policies.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for short-term medical expenses such as X-ray expenses, ambulance fees, dental work, nursing services and pain medications. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. 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 available in all states and may carry a deductible

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, a broken windshield and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Buick Regal.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Liability – Liability coverage protects you from damage that occurs to people or other property by causing an accident. It protects YOU against other people’s claims, 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 policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, emergency aid, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

And the best car insurance company is…

We’ve covered a lot of tips how to reduce 2013 Buick Regal insurance prices online. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the best prices are with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

When shopping online for auto insurance, never buy less coverage just to save a little money. There have been many situations where someone dropped liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at the best price while still protecting your assets.

Cost effective insurance can be sourced online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. A few companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

To read more, feel free to browse the resources below: