Lower Your 2015 Buick Regal Car Insurance Quotes

Searching for better insurance rates for your Buick Regal? Paying for high-priced Buick Regal insurance can empty your bank account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Since consumers have many companies and agents to choose from, it’s difficult to pick the right insurance company.

Companies offer discounts so take them!

The price of auto insurance can be rather high, but discounts can save money and there are some available to help offset the cost. Some trigger automatically at the time of quoting, but a few must be specially asked for before you get the savings.

  • Multiple Vehicles – Having multiple vehicles on the same car insurance policy can get a discount on all vehicles.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.
  • Claim Free – Claim-free drivers pay less compared to drivers who are more careless.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Regal insurance with select insurance companies.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for reduced rates for Regal insurance.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Accident Waiver – A few companies permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.

Drivers should understand that many deductions do not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

Insurance companies that may offer some of the above discounts include:

Check with each insurance company which discounts you may be entitled to. Some discounts might not be offered in your state.

How to Compare Auto Insurance Costs

Most major insurance companies like Allstate and Progressive quote coverage price quotes on the web. Getting online quotes is quite easy as you just type in the amount of coverage you want as detailed in the form. After you submit the form their rating system requests information on your driving record and credit history and quotes a price based on many factors. This simplifies rate comparisons, but the work required to visit several different sites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to perform this step in order to find a better rate.

Compare rates the easy way

The preferred way to compare rates is to use a quote form to get prices from a bunch of companies at once. It saves time, requires much less work on your part, and makes quoting online a lot less work. As soon as you send your information, it is quoted and you are able to buy any of the price quotes you receive.

If the quotes result in lower rates, you can click and sign and buy the policy. It takes less than 15 minutes and may save quite a bit of money.

To quickly find out if lower rates are available, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you complete the form with deductibles and limits as shown on your current policy. This helps ensure you’re receiving a fair comparison for exact coverage.

These factors can influence Buick Regal insurance rates

It’s important that you understand some of the elements that help determine the price you pay for car insurance. Having a good understanding of what determines base rates allows you to make educated decisions that could result in big savings.

  • What are your deductibles? – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket before your car insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply would be colliding with a building, damage from fire, or theft. The more money you are required to pay out-of-pocket, the lower your rates will be for Regal insurance.
  • Bad driving skills means higher rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Even a single citation can bump up the cost forty percent or more. Drivers with severe tickets like DUI or reckless driving are required to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • The more you drive the more you pay – The higher the mileage driven in a year’s time the higher your rate. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your car insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Regal may be costing you.
  • Being married can save on car insurance – Being married actually saves money on your car insurance policy. It is viewed as being more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Both sexes tend to get into accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as DWI and reckless driving.

Do I just need basic coverages?

When buying coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. For example, these questions can aid in determining if you would benefit from professional advice.

  • What if I don’t agree with a claim settlement offer?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the rate difference between pleasure use and commuting?
  • Does coverage extend to my business vehicle?
  • Is a fancy paint job covered?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Coverages available on your policy

Having a good grasp of insurance can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on people or other property. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, funeral expenses and medical services. 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.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like X-ray expenses, doctor visits and prosthetic devices. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays for damage to your Regal from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, hitting a deer, vandalism and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Buick Regal.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these coverages are set the same as your liablity limits.

Knowledge is power

You just read some good ideas how you can lower your 2015 Buick Regal insurance rates. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with an unexpected company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

Budget-conscious insurance is available both online and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. A few companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Additional detailed information can be found in these articles: