Compare 2016 Buick Regal Car Insurance Quotes

Trying to find better insurance rates for your Buick Regal? High-priced Buick Regal insurance can dry up your savings and put a big crunch on your finances. Doing a rate comparison is free and is an excellent way to make ends meet.

Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a provider to discover the definitive cheapest price

It’s important to price shop coverage before your next renewal because insurance rates are usually higher with each renewal. If you had the best deal for Regal insurance last year you will most likely find a better price today. Forget anything you know (or think you know) about insurance because it’s time to teach you the proper way to find better rates and still maintain coverage.

If you have a policy now or are looking for a new policy, you can use these techniques to reduce the price you pay and possibly find even better coverage. Finding affordable coverage is not that difficult. Vehicle owners only need to know the proper methods to get comparison rates over the internet.

The quickest method to compare car insurance rates utilizes the fact most larger insurance companies actually pay money for the chance to give you rate quotes. To begin a comparison, all you need to do is give them rating details such as whether you are married, if the vehicle is leased, whether you drive to work or school, and how much you drive. Your insurance information is automatically sent to insurance companies and they return rate quotes with very little delay.

Verify you’re getting every discount

Car insurance is not an enjoyable expense, but you may qualify for discounts to help offset the cost. Some of these disounts will be visible when you complete an application, but some must be asked for before they will apply.

  • Distant Student Discount – Older children who are attending college and leave their car at home may be able to be covered for less.
  • Pay Early and Save – By making one initial payment as opposed to paying monthly you could save 5% or more.
  • No Charge for an Accident – Not a discount per se, but companies like State Farm and Allstate will forgive one accident before they charge you more for coverage so long as you are claim-free for a certain period of time.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Defensive Driver Discount – Taking time to complete a class that teaches safe driver techniques could possibly earn you a 5% discount and easily recoup the cost of the course.

A quick disclaimer, most credits do not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, that’s just not realistic.

A few popular companies and a selection of discounts include:

  • Geico discounts include military active duty, good student, daytime running lights, anti-lock brakes, anti-theft, five-year accident-free, and federal employee.
  • USAA may have discounts that include defensive driver, safe driver, loyalty savings, vehicle storage, multi-vehicle, annual mileage, and military installation.
  • Progressive includes discounts for homeowner, good student, online quote discount, online signing, multi-policy, multi-vehicle, and continuous coverage.
  • American Family has discounts for Steer into Savings, TimeAway discount, multi-vehicle, defensive driver, and mySafetyValet.
  • Esurance may offer discounts for anti-theft, good student, emergency road assistance, safety device, good driver, defensive driver, and DriveSense.
  • Farmers Insurance policyholders can earn discounts including business and professional, pay in full, distant student, teen driver, alternative fuel, good student, and bundle discounts.
  • State Farm has savings for accident-free, Steer Clear safe driver discount, anti-theft, multiple policy, and multiple autos.

Check with all the companies which discounts can lower your rates. A few discounts may not apply to policies in your area. If you would like to view car insurance companies that offer multiple discounts, follow this link.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • How high should my medical payments coverage be?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when driving on a suspended license?
  • Does my insurance cover a custom paint job?
  • Is business equipment covered while in my vehicle?
  • What is covered by UM/UIM coverage?
  • Am I covered if I hit a deer?
  • Am I better off with higher deductibles on my 2016 Buick Regal?
  • Is motorclub coverage worth it?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Learn about car insurance coverages for a Buick Regal

Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by car insurance companies.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, damage from a tornado or hurricane, hitting a deer, falling objects and a broken windshield. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This covers damage to your Regal from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, damaging your car on a curb, sustaining damage from a pot hole, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like attorney fees, pain and suffering, repair bills for other people’s vehicles, medical expenses and emergency aid. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, chiropractic care and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Compare but don’t skimp

Throughout this article, we presented many ways to get a better price on 2016 Buick Regal insurance. The key thing to remember is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Drivers may discover the best price on auto insurance is with a small mutual company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. There have been many situations where an insured dropped physical damage coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Additional detailed information can be found in the articles below: