Compare 2011 Buick Regal Insurance Rates

Trying to find the cheapest insurance rates for your Buick Regal? Are you tired of not being able to afford to pay your car insurance bill each month? You’re in the same situation as many other drivers. Companies like Progressive, State Farm and GEICO continually bombard you with TV and radio ads and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

If you are insured now or are looking for a new policy, you can use these tips to reduce the price you pay while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of the most efficient way to compare price quotes over the internet.

What determines your Buick Regal insurance premium

Smart consumers have a good feel for the factors that go into determining the price you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with better car insurance rates.

Listed below are a few of the “ingredients” used by your company to calculate rates.

  • Your job and insurance rates – Occupations such as real estate brokers, architects and financial analysts tend to have higher average rates attributed to high stress and long work hours. Conversely, occupations such as scientists, engineers and the unemployed receive lower rates for Regal insurance.
  • Men are more aggressive – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Men and women tend to get into accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
  • Where do you drive? – The higher the mileage driven in a year’s time the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks left parked in the garage get more affordable rates compared to those used for work or business. Improper usage on your Regal can result in significantly higher rates. Make sure your car insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Liability coverage protects you – The liability section of your policy provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Allowing your policy to lapse raises rates – Driving with no insurance can get your license suspended and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.
  • Poor driving leads to higher costs – Your driving record has a huge affect on how much you pay. Even a single speeding ticket can increase rates twenty percent or more. Good drivers get better rates compared to drivers with tickets. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to keep their license.
  • You might want pay the small claims yourself – If you file claims often, you can expect higher rates. Car insurance companies give better rates to policyholders who are claim-free. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Lower deductibles cost more – Your deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and windstorm damage. The more the insured has to pay upfront, the less your company will charge you for insurance for Regal insurance.

Free Insurance Quotes

There are a variety of methods to compare 2011 Buick Regal insurance prices and some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get pricing more quickly.

Many companies enroll in a system where prospective buyers submit one quote, and each company returns a competitive quote based on that data. This eliminates the need for quotation requests to each company.

To compare 2011 Buick Regal rates using this form now click here (opens in new window).

One minor caviat to getting quotes like this is you can’t choose which providers to get pricing from. So if you prefer to pick specific insurance companies to receive pricing from, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare exactly the same deductibles and coverage limits for each price quote. If your comparisons have different liability limits it’s not possible to make a fair comparison for your Buick Regal.

Discounts can save BIG

Car insurance is not cheap, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be specially asked for prior to receiving the credit. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can get savings of up to 25% or more.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Senior Citizens – Older drivers can possibly qualify for reduced rates for Regal insurance.
  • Driver Safety – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • No Claims – Claim-free drivers can earn big discounts when compared to bad drivers.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you will save at least 10% off all policies.
  • Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.

It’s important to note that many deductions do not apply to the entire cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will cut your overall premium however.

A partial list of companies that may have these benefits may include but are not limited to:

Double check with every prospective company what discounts are available to you. Savings may not be available in every state.

Will just any policy work for me?

When it comes to buying coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out if your insurance needs might need professional guidance.

  • How high should my medical payments coverage be?
  • Am I covered if I hit a deer?
  • How do I file an SR-22 for a DUI in my state?
  • Does coverage extend to my business vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I have a commercial auto policy?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the normal coverages found on most auto insurance policies.

Liability auto insurance – Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Buick Regal.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for expenses such as dental work, prosthetic devices, X-ray expenses and funeral costs. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, vandalism, damage from a tornado or hurricane, falling objects and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, rolling your car and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Smart shoppers get results

Affordable 2011 Buick Regal insurance can be purchased both online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

Throughout this article, we presented many tips how you can shop for insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance coverage comes from a smaller regional carrier. They often have lower prices on specific markets than their larger competitors like Progressive and GEICO.

Additional information