1992 Buick Regal Car Insurance Cost – 9 Ideas for Cheaper Prices

Finding cheaper insurance for your Buick Regal can be an all-consuming task, but you can use our auto insurance buying tips to find lower rates.

There is a better way to compare auto insurance rates and we’ll show you the absolute fastest way to quote coverages for your Buick and find the lowest price from local insurance agents and online providers.

It’s a great practice to price shop coverage occasionally because prices change frequently. Just because you found the best deal for Regal coverage on your last policy there may be better deals available now. Ignore everything you know about auto insurance because we’re going to demonstrate the best methods to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current insurance coverage policy or are just looking to switch companies, you can learn to get lower rates while maximizing coverage. Locating affordable insurance coverage coverage is simple if you know the tricks. Drivers only need to know the best way to shop over the internet.

How to Get Car Insurance

Effectively comparing car insurance prices can take hours if you don’t know the best way to get rate quotes. You could waste a few hours talking to insurance agencies in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies participate in a marketplace that enables customers to only type in their quote data once, and each company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions to each company.

To submit your quote information now, click here to open in new window.

The only drawback to using this type of system is that consumers can’t choose the providers to receive prices from. So if you prefer to choose from a list of companies for rate comparison, we have a listing of low cost car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just be sure to compare apples-to-apples deductibles and coverage limits on every quote you get. If you enter different limits and deductibles on each one then you won’t be able to determine the best price for your Buick Regal.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Each situation is unique.

Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

  • Can I rent a car in Mexico?
  • Where can I find DUI or SR-22 insurance?
  • Is my cargo covered for damage or theft?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my Buick Regal covered if I use it for business?
  • Can I drive in Mexico and have coverage?
  • Is my state a no-fault state?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn about car insurance coverages for a 1992 Buick Regal

Having a good grasp of a car insurance policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Collision insurance

This coverage covers damage to your Regal resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a parking meter, rolling your car, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, theft and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage pay for expenses for things like rehabilitation expenses, nursing services, chiropractic care and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Liability coverage

This coverage protects you from damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair bills for other people’s vehicles, structural damage, emergency aid, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.