Compare 2018 Buick Regal Car Insurance Cost

Have you finally had enough of scraping nickels together to keep your car insured? You have the same problem as most other vehicle owners.

Due to the large number of different company options, it’s nearly impossible to locate a more affordable insurer.

You should take the time to get comparison quotes before your next renewal because car insurance prices change quite often. Even if you got the best rates on Regal coverage six months ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn the proper way to properly buy coverages and cut your premium.

Finding the lowest cost protection is simple if you know the tricks. Essentially everyone who has to buy car insurance will more than likely be able to save money. Although drivers do need to know the way companies price online insurance and use this information to your advantage.

Why informed consumers pay less for Buick Regal insurance

The best way to find cheaper car insurance is to take a look at the rating factors that help calculate the price you pay for car insurance. When you understand what impacts premium levels, this enables you to make decisions that may result in lower car insurance prices.

The list below includes most of the major factors used by insurance companies to determine your rates.

  • Filing car insurance claims can cost you – If you’re an insured who likes to file claims you shouldn’t be surprised to get either policy cancellation or increased premiums. Companies provide the best rates to policyholders who are not frequent claim filers. Auto insurance is intended for claims that pose a financial burden.
  • Car insurance rates may be lower depending on your job – Jobs such as fire fighters, business owners and dentists usually pay the highest average rates in part from intense work requirements and long work hours. On the flip side, careers like farmers, students and retirees generally pay rates lower than average on Regal coverage.
  • Drive lots and pay more – The more you drive your Buick each year the higher your rate. A lot of companies charge rates based on how the vehicle is used. Autos that have low annual miles can be on a lower rate level than cars that get driven a lot. Improper usage on your Regal can result in significantly higher rates. It’s a smart idea to ensure your car insurance coverage is showing how each vehicle is driven, because it can save money.
  • Premiums drop with age – Older, more experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents and get fewer tickets.Young drivers are known to be careless and easily distracted when behind the wheel and because of this, their car insurance rates are much higher.
  • Premiums are affected by your credit rating – Your credit score will be a significant factor in determining what you pay for car insurance. People that have good credit tend to be less risk to insure than drivers who have poor credit scores. So if your credit history is low, you could potentially save money when insuring your 2018 Buick Regal if you improve your credit rating.
  • Marriage is a factor – Your spouse may save some money compared to being single. Marriage usually means you are less irresponsible and insurance companies reward insureds because married couples file fewer claims.
  • Safeguard your assets with liability insurance – The liability coverage on your policy will provide protection if you are ruled to be at fault for personal injury or accident damage. It provides legal defense coverage starting from day one. This coverage is relatively inexpensive as compared to coverage for physical damage, so do not cut corners here.

Discounts to earn cheaper car insurance rates

Car insurance companies don’t necessarily list every available discount very clearly, so the below list has a few of the more common and the harder-to-find discounts that you can inquire about if you buy car insurance online.

  • Sign Online – Many companies will give a small break for completing your application online.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • Homeowners Discount – Just owning your own home can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Drive Less and Save – Driving less may allow you to get lower car insurancerates due to less chance of an accident.
  • Distant Student – College-age children who are attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease on Regal coverage depending on your company.
  • Auto/Life Discount – Companies who offer life insurance give a lower premium rate if you buy auto and life insurance together.

Consumers should know that most discounts do not apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will positively reduce your policy cost.

Auto insurance companies that may include these benefits include:

It’s a good idea to ask each company to give you their best rates. Savings may not apply in your state. To find companies that offer some of these discounts, click here.

Switch companies and save? Really?

Well-known car insurance companies like Allstate, Geico and Progressive continually stream ads on TV and radio. They all make the same claim that people will save if you switch your car insurance policy to them. How is it possible that every company can give you a lower rate? It’s all in the words they use.

Different companies have specific guidelines for the type of customer that will most likely be profitable. A good example of a profitable insured could possibly be over the age of 40, has no claims, and drives a lower-performance vehicle. Any customer that hits that “sweet spot” may get the lowest auto insurance rates and most likely will save when switching.

People who do not match those criteria may be required to pay a more expensive rate and the customer buying from someone else. If you pay close attention to the ads, they say “customers who switch” not “everybody who quotes” save that much money. That is how insurance companies can advertise the way they do.

This really emphasizes why it’s extremely important to compare free car insurance quotes often. Because you cannot predict which insurance companies will have the best auto insurance rates at this point in time.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique so this has to be addressed. For instance, these questions may help you determine whether you might need an agent’s assistance.

  • Do I need PIP coverage since I have good health insurance?
  • Should I bundle my homeowners policy with my auto?
  • Do I need higher collision deductibles?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered if my car is in a flood?
  • Will filing a claim cost me more?
  • If I drive on a suspended license am I covered?
  • Do I really need UM/UIM coverage?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but a few of them apply, 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 insurance coverage companies in your area.

Auto insurance 101

Having a good grasp of your insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Comprehensive protection – This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, damage from getting keyed, fire damage and theft. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your 2018 Buick Regal.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like surgery, EMT expenses, chiropractic care, ambulance fees and rehabilitation expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability insurance will cover damage or injury you incur to other people or property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as pain and suffering, funeral expenses and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – This will pay to fix damage to your Regal resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, hitting a parking meter, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

And the best car insurance company is…

Cheap 2018 Buick Regal insurance can be found on the web and from local insurance agents, and you need to comparison shop both to have the best selection. A few companies don’t offer online quoting and usually these regional carriers work with independent agencies.

We just showed you a lot of tips how to save on 2018 Buick Regal insurance. The key concept to understand is the more companies you get prices for, the better your comparison will be. Consumers may even find the most savings is with a small mutual company. Smaller companies can often provide lower prices in certain areas than the large multi-state companies such as Progressive and Geico.

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