1994 Buick Regal Car Insurance Cost – 5 Tips for Cheaper Prices

Want the cheapest insurance rates for your Buick Regal? Tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as many other drivers. Insurance companies such as GEICO, 21st Century and Progressive all promote huge savings with catchy ads and it is difficult to avoid their marketing magic and take the time to shop coverage around.

Compare the Market for Insurance Coverage

Most companies quote coverage prices on the web. Obtaining pricing doesn’t take a lot of time as you simply enter your coverage preferences into a form. Behind the scenes, their system will obtain your driving and credit reports and quotes a price based on these factors. Online quotes simplifies rate comparisons, but the time it takes to visit many different websites and type in the same information gets old quite quickly. But it is imperative to compare as many rates as possible if you are searching for the best price on insurance coverage.

There is a better way to compare rates

A less time-consuming method to find better insurance coverage pricing uses one simple form that obtains quotes from multiple companies. This type of form saves time, requires less work, and makes comparison shopping much more enjoyable and efficient. As soon as the form is sent, it is rated with multiple companies and you can pick your choice of the pricing results.

If you find a better price you can simply submit the application and purchase coverage. It takes 15 minutes at the most and could lower your rates considerably.

In order to compare rates now, click here to open in a new tab and submit the form. If you have coverage now, it’s recommended you copy the limits and deductibles as close as possible to your current policy. Doing this assures you are getting a price comparison for similar coverage.

You probably qualify for some discounts

Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. Some discounts apply automatically at quote time, but less common discounts must be asked about prior to getting the savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Regal insurance.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Defensive Driver – Taking a driver safety course could save 5% or more depending on where you live.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will cut the cost of coverage.

Car insurance companies that possibly offer some of the above discounts are:

Before buying, ask each company which discounts you may be entitled to. Savings may not be available in your state.

There’s no such thing as the perfect policy

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

  • Is my teenager covered with friends in the car?
  • How do I insure my teen driver?
  • What if I don’t agree with a claim settlement offer?
  • Why does it cost so much to insure a teen driver?
  • What is medical payments coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does car insurance cover theft of personal property?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Are car insurance companies telling the truth?

Drivers can’t get away from ads that promise big savings from companies such as State Farm and Allstate. All the ads make the same claim that you can save after switching your policy.

How does each company say the same thing?

All companies have a certain “appetite” for the driver that makes them money. An example of a profitable customer could possibly be over the age of 50, a clean driving record, and drives less than 10,000 miles a year. Any driver who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who are not a match for the “perfect” profile must pay a more expensive rate which usually ends up with the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently advertise the savings.

This illustrates why it is so important to compare many company’s rates. You cannot predict the company that will fit your personal profile best.

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the normal coverages available from auto insurance companies.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Buick Regal.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

This pays to fix your vehicle from 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 like hitting a bird, vandalism, falling objects and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for EMT expenses, funeral costs, X-ray expenses, chiropractic care and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage can cover damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like repair bills for other people’s vehicles, bail bonds, funeral expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage protection

This coverage pays for damage to your Regal caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, rolling your car and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Save your cold hard cash

Lower-priced 1994 Buick Regal insurance can be sourced both online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and these small, regional companies work with independent agents.

In this article, we covered a lot of ways to shop for insurance online. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from an unexpected company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

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