Cheap 1994 Buick Regal Insurance Cost

Searching for the cheapest insurance rates for your Buick Regal? Sick and tired of robbing Peter to pay Paul to insure your Buick every month? You are no different than the majority of other car owners.

Companies like State Farm, Geico and Farmers Insurance constantly blast consumers with TV and radio ads and it can be hard to avoid their marketing magic and take the time to shop coverage around.

You need to shop coverage around quite often because prices fluctuate regularly. Just because you found the best rates on Regal coverage a year ago you can probably find a better price now. Don’t believe everything you read about insurance on the web, but I’m going to show you some good information on how to find affordable insurance.

Fast and Easy Car Insurance Quotes

To find the best car insurance prices, there are several ways to compare rate quotes from local car insurance companies. The easiest way by far to find the cheapest 1994 Buick Regal insurance rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  • The recommended way to get quotes is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do repetitive form entry for each company you want a rate for. One quote request will return quotes from several companies.
  • Another way to obtain and compare quotes online requires a trip to each company website and complete a new quote form. For examples sake, we’ll assume you want to compare Allstate, Esurance and Liberty Mutual. To find out each rate you need to visit each site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just be sure to compare apples-to-apples coverage limits for every company. If the quotes have higher or lower deductibles it will be impossible to determine which rate is truly the best. Slightly different insurance coverages may result in a large different in cost. And when quoting car insurance, remember that getting more free quotes will increase your chances of finding a better price.

Are auto insurance companies telling the truth?

Allstate and Progressive constantly bombard you with ads in print and on television. All the companies have a common claim that you can save if you switch your coverage to them. How do they all make almost identical claims?

Insurance companies can use profiling for the type of driver that earns them a profit. An example of a preferred risk might be profiled as between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Any new insured who meets those qualifications receives the best rates and most likely will save when they switch companies.

Consumers who do not match the requirements must pay a higher premium which leads to business not being written. The ads state “people who switch” not “people who quote” save that much. That is how insurance companies can advertise the savings. This illustrates why drivers must get as many comparisons as possible. It’s impossible to know which insurance companies will fit your personal profile best.

Why your Buick Regal might be costing you more

An important part of buying insurance is that you know the rating factors that play a part in calculating insurance coverage rates. Having a good understanding of what influences your rates enables informed choices that could result in better insurance coverage rates.

  • How many coverages with the same company – Many insurance coverage companies will award you with lower prices to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, you may still want to compare other company rates to make sure you are getting the best deal. You may still find better rates by buying insurance coverage from a different company.
  • Tickets mean higher rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one moving violation can bump up the cost twenty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages you can purchase when buying insurance coverage. Coverages like roadside assistance, better glass coverage and term life insurance may be costing you every month. These may sound like a good investment when you first buy your policy, but if they’re wasting money get rid of them and save.
  • More miles equals more premium – The more miles you rack up on your Buick each year the higher your rate. The majority of insurers price each vehicle’s coverage based on their usage. Autos not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your insurance coverage policy is rated on how each vehicle is driven, because it can save money. If your policy improperly rates your Regal may be wasting your money.

Save money by taking advantage of these discounts

Car insurance companies don’t always list all their discounts very well, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Early Signing – Select companies give a discount for signing up before your current policy expires. This can save 10% or more.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

For a list of companies offering car insurance discounts, click this link.

When should I use an insurance agent?

When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions may help highlight if your situation could use an agent’s help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is UM/UIM insurance?
  • What is high-risk coverage and where do I buy it?
  • Do I really need UM/UIM coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverages 101

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Collision coverage – Collision coverage pays for damage to your Regal resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Liability insurance – Liability coverage can cover damage that occurs to other people or property by causing an accident. This coverage 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 policy 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 a limit of $100,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, emergency aid and medical services. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1994 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 protection – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, fire damage and damage from a tornado or hurricane. 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 – Coverage for medical payments and/or PIP pay for bills for EMT expenses, rehabilitation expenses, nursing services and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Save your hard earned cash

In this article, we covered quite a bit of information on how to shop for 1994 Buick Regal insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced auto insurance comes from the least-expected company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In many cases, consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the best price while still protecting your assets.

Lower-priced insurance is available on the web and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not provide online price quotes and these small, regional companies work with independent agents.

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