How Much Does 1997 Buick Regal Insurance Cost?

Having to pay for overpriced insurance can empty your savings account and put a big crunch on your finances. Doing a price comparison is a great way to tighten up your finances.

You have multiple insurers to purchase coverage from, and although it’s a good thing to be able to choose, lots of choices makes it harder to get the best deal.

Finding affordable coverage is quite easy. Basically, anyone who carries insurance coverage will more than likely be able to find better rates. Nevertheless, consumers should learn the way companies sell online because it can help you find the best coverage.

Insurance Prices Online

All the larger insurance companies allow you to get coverage price quotes on the web. Getting quotes doesn’t take much effort as you simply type in your coverage information as requested by the quote form. Once you submit the form, the company’s rating system sends out for your driving and credit reports and gives you a price quote based on many factors. Online price quotes helps simplify price comparisons, but the time it takes to visit a lot of sites and complete many quote forms gets old quite quickly. But it’s absolutely necessary to get many rate quotes if you want to find better prices.

There is a better way!

A less time-consuming method to get multiple rate quotes is to use a quote form to get prices from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes online shopping much easier. As soon as the form is sent, it is rated with multiple companies and you can pick any of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process can be completed in a matter of minutes and may save quite a bit of money.

To compare rates using this form now, click here to open in a new tab and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate deductibles and limits exactly as shown on your declarations page. This makes sure you’re receiving rate quotes based on identical coverages.

Discounts are available to cut your rates

Auto insurance companies don’t always list every available discount very clearly, so we researched both well-publicized and the more hidden ways to save on insurance coverage.

  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Paperless Signup – A few companies may give you up to $50 just for signing your application digitally online.
  • One Accident Forgiven – Some insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Regal coverage with select insurance companies.
  • Multiple Policy Discount – If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a discount up to 10% on Regal coverage.

It’s important to note that most of the big mark downs will not be given the the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of providers with the best insurance coverage discounts, follow this link.

Everyone needs different coverages

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out if your situation could use an agent’s help.

  • Is extra glass coverage worth it?
  • Who is covered by my policy?
  • I have health insurance so do I need medical payments coverage?
  • When would I need rental car insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if my car is in a flood?
  • Should I have a commercial auto policy?
  • Can I make deliveries for my home business?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance coverage basics

Knowing the specifics of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Buick Regal.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, falling objects, fire damage, vandalism and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage will pay to fix damage to your Regal resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability insurance

This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three 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 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical expenses, structural damage, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like ambulance fees, chiropractic care, hospital visits, dental work and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Better coverage you can count on

Cost effective 1997 Buick Regal insurance is attainable online as well as from independent agents, so you should compare both to get a complete price analysis. A few companies don’t offer online quoting and these smaller companies work with independent agents.

We’ve covered a lot of tips how to reduce insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from a small mutual company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

More detailed insurance coverage information can be read at these sites: