View 2012 Buick Regal Car Insurance Quotes

Looking for the cheapest car insurance rates for your Buick Regal? Have you had enough of not being able to afford to insure your Buick every month? You are in the same boat as many other consumers.

You have multiple insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, having more insurance companies makes it harder to find a good deal.

Don’t miss out on these money-saving discounts

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Some trigger automatically when you complete an application, but less common discounts must be inquired about before they will apply.

  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Paperwork-free – A handful of insurance companies may give you up to $50 for buying a policy and signing up on their website.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Homeowners Savings – Owning a home may trigger a insurance policy discount because owning a home demonstrates responsibility.
  • Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.

Keep in mind that most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will bring down your overall premium however.

A partial list of companies that may offer these money-saving discounts include:

Double check with all companies you are considering what discounts are available to you. Savings may not apply in your state.

Do I need special coverages?

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help highlight whether you might need professional guidance.

  • Do I really need UM/UIM coverage?
  • What is UM/UIM insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need higher collision deductibles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Save $401 a year. For real?

Insurance coverage providers like Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. They all make the same claim about savings if you switch your policy. But how can every company claim to save you money?

Different companies are able to cherry pick for the type of driver that is profitable for them. An example of a desirable insured could possibly be over the age of 40, a clean driving record, and drives newer vehicles. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards will be quoted more money which leads to the customer not buying. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently state the savings.

This emphasizes why you should get a wide range of price quotes. It’s impossible to know the company that will give you the biggest savings on Buick Regal insurance.

Specific coverage details

Knowing the specifics of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Liability coverage

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as emergency aid, repair bills for other people’s vehicles, pain and suffering, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Buick Regal.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.

Collision coverage protection

Collision insurance 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 then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, colliding with a tree, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like ambulance fees, doctor visits, rehabilitation expenses, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance 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 damage from flooding, damage from getting keyed, hitting a bird, vandalism and hitting a deer. The most 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.

Shop around and save

Cost effective 2012 Buick Regal insurance can be found online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies don’t offer online quoting and these small insurance companies work with independent agents.

While you’re price shopping online, do not skimp on coverage in order to save money. In many instances, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your aim should be to buy enough coverage at a price you can afford while still protecting your assets.

Much more information about car insurance can be read at these links: