Looking for lower insurance coverage rates for your Buick Regal? Are you a victim of overpriced insurance coverage? Trust us when we tell you there are lots of people in the same boat. Insurance companies such as Progressive, Geico and Farmers Insurance all promote huge savings with catchy ads and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
Smart consumers have a good feel for some of the elements that help determine insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with big savings.
The following are a partial list of the pieces companies use to determine rates.
Car insurance is not cheap, but you can get discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be manually applied before they will apply. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
It’s important to understand that some credits don’t apply the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. Just because you may think you can get free auto insurance, it doesn’t quite work that way. But any discount will reduce the cost of coverage.
Companies that may offer some of the above discounts include:
Double check with all companies you are considering how you can save money. Savings might not be offered in every state.
When buying the right insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help you determine if you might need professional guidance.
If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.
Having a good grasp of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by car insurance companies.
Medical expense coverage
Coverage for medical payments and/or PIP kick in for immediate expenses for ambulance fees, doctor visits, prosthetic devices and funeral costs. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible
Uninsured or underinsured coverage
This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are identical to your policy’s liability coverage.
This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like a broken windshield, hail damage, fire damage and vandalism. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
This covers damage to your Regal resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as backing into a parked car, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.
This will cover damage that occurs to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things like legal defense fees, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.
As you shop your coverage around, you should never reduce coverage to reduce premium. There are too many instances where an insured dropped liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
Budget-conscious 1990 Buick Regal insurance is definitely available both online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.