Cheaper 2014 Buick Regal Car Insurance Quotes

Searching for lower insurance coverage rates for your Buick Regal? Confused by the wide range of insurance coverage options? You’re not alone. Drivers have so many options that it can be a ton of work to find the best price.

You should make it a habit to compare rates periodically because insurance rates go up and down regularly. Just because you had the best price for Regal coverage two years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance coverage because we’re going to demonstrate one of the easiest ways to find great coverage at a great price.

Cheap Car Insurance Comparisons

There are several ways to compare quotes from local car insurance companies. The fastest way to find the cheapest 2014 Buick Regal insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The most efficient way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This method eliminates the need for repetitive form entry for each company you want a rate for. Completing one form gets you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  2. Another way to compare rate quotes requires visiting the website for every company you want to comare and fill out their own quote form. For example, let’s say you want to compare Liberty Mutual, 21st Century and American Family. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare identical quote information for every company. If you compare different values for each quote you will not be able to truly determine the lowest rate. Just a small difference in insurance coverages can mean a large discrepancy in price. And when comparison shopping, getting more free quotes will improve the odds of getting better pricing.

Save big with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available to cut the cost considerably. Most are applied at quote time, but less common discounts must be inquired about prior to receiving the credit.

  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates for Regal coverage.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will bring down your premiums.

Car insurance companies that may have these money-saving discounts include:

Double check with every prospective company how you can save money. Savings may not be available in every state.

Why your Buick Regal insurance rates may be high

An important part of buying insurance is that you know the rating factors that play a part in calculating your auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

  • Consolidate policies to earn discounts – Some auto insurance companies provide better rates to policyholders who buy several policies from them, otherwise known as a multi-policy discount. 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. Drivers may still find a better deal by insuring with multiple companies.
  • Always keep insurance in force – Allowing your coverage to lapse is a guaranteed way to increase your auto insurance rates. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Small claims can cost you – Companies give better rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Men fork out a little more – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Women and men are in accidents in similar percentages, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.
  • The more you drive the more you pay – The more miles you rack up on your Buick each year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based on their usage. Autos left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Regal may be wasting your money.

But I don’t know anything about car insurance

When choosing the best car insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if you will benefit from professional help.

  • What discounts do I qualify for?
  • Do I pay less for low miles?
  • Can I afford to buy a different vehicle if my 2014 Buick Regal is totaled?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when driving someone else’s vehicle?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Can you really save $494 a year?

Allstate and Progressive continually stream television and radio advertisements. All the companies make the same claim that you’ll save big after switching to their company. How can each company make almost identical claims? This is how they do it.

All companies are able to cherry pick for the type of driver that makes them money. For example, a preferred risk might be profiled as between 30 and 50, has no tickets, and drives newer vehicles. Any new insured who matches those parameters is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential customers who fall outside these standards must pay a more expensive rate which leads to business going elsewhere. The ads state “customers who switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully make the claims of big savings.

This illustrates why you should get as many comparisons as possible. Because you never know the company that will have the lowest Buick Regal insurance rates.

Auto insurance 101

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability coverages

This coverage protects you from injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as legal defense fees, court costs and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your Regal caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, colliding with another moving vehicle, scraping a guard rail, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills such as dental work, pain medications, X-ray expenses, hospital visits and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, fire damage, theft, hail damage and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Shop smart and save

As you shop your coverage around, do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest price, not the least amount of coverage.

In this article, we presented some good ideas how you can lower your 2014 Buick Regal insurance rates. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best price on insurance is with a lesser-known regional company.

Insureds switch companies for a variety of reasons including not issuing a premium refund, policy non-renewal, poor customer service or delays in responding to claim requests. It doesn’t matter what your reason, finding a new insurance company is not as difficult as it may seem.

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