Save on 1998 Buick Regal Car Insurance Rates

Looking for cheaper auto insurance rates for your Buick Regal? If price shopping auto insurance online is new to you, it’s easy to be confused because of the huge number of online companies selling insurance.

It’s smart to do rate comparisons yearly since rates change quite often. Even if you think you had the best price on Regal insurance a couple years back other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to find out the best way to get good coverage at a lower rate.

How to Compare Insurance Quotes

There are multiple methods to compare 1998 Buick Regal insurance quotes, but some are less time-consuming than others. You could waste a few hours talking to local insurance agents in your area, or you can utilize the internet to get rates in a matter of minutes.

Many companies participate in a marketplace that enables customers to submit their information once, and each participating company then gives them pricing based on that information. This eliminates the need for quotation requests to each company.

To find out how much you can save on insurance click here to open in new window.

The one downside to getting quotes like this is you are unable to specify which insurance companies to receive prices from. If you prefer to choose individual companies for rate comparison, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples deductibles and coverage limits for each comparison quote. If each company quotes different liability limits it will be impossible to determine which rate is truly the best. Slightly different coverage limits can make a big difference in price. It’s important to know that quoting more will increase your chances of finding better pricing.

Is there truth in advertising?

Insurance providers like Allstate and Progressive constantly bombard you with ads on television and other media. They all make an identical promise about savings if you switch your policy. How do they all make almost identical claims? This is how they do it.

Different companies have a preferred profile for the type of driver that earns them a profit. For instance, a driver they prefer could possibly be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A driver that hits that “sweet spot” will get the preferred rates and therefore will save quite a bit of money when switching.

Drivers who don’t qualify for the requirements will be charged a more expensive rate and ends up with business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that much money. That’s the way companies can advertise the savings.

That is why drivers should quote coverage with many companies. Because you never know which insurance company will have the lowest Buick Regal insurance rates.

Buick Regal rates influenced by many factors

It’s important that you understand the different types of things that come into play when calculating your insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get lower insurance prices.

The list below includes a few of the “ingredients” used by your company to calculate your rates.

  • Safer cars are cheaper to insure – Cars with high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Buick Regal earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Your car’s features help determine rates – Driving a car that has an advanced theft prevention system can get you a discount on your insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • How your age affects price – Youthful drivers are known to be more careless in a vehicle so they pay higher insurance rates. Mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. However, don’t assume that women are better drivers. Women and men have accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving.
  • Where do you drive? – The more you drive each year the more you will pay for insurance. Almost all companies charge to insure your cars based on their usage. Cars and trucks left parked in the garage qualify for better rates compared to those used for work or business. Improper usage on your Regal may be wasting your money. Make sure your insurance policy is rated on the correct driver usage.

Don’t miss out on these money-saving discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but lesser-known reductions have to be asked about before you will receive the discount.

  • Multiple Vehicles – Having multiple vehicles with the same company qualifies for this discount.
  • Air Bag Discount – Cars that have air bags can qualify for discounts of more than 20%.
  • Low Mileage – Fewer annual miles on your Buick can earn better rates on cars that stay parked.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Organization Discounts – Participating in a qualifying organization could trigger savings when buying car insurance on Regal insurance.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Defensive Driver – Successfully completing a course in driver safety could cut 5% off your bill if your company offers it.

A little note about advertised discounts, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will cut the cost of coverage.

To see a list of insurers offering car insurance discounts, click this link.

Do I need special coverages?

When buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • What can I do if my company denied a claim?
  • How high should my medical payments coverage be?
  • Will filing a claim cost me more?
  • Do I pay less if my vehicle is kept in my garage?
  • How much can I save by bundling my policies?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need replacement cost coverage on my 1998 Buick Regal?
  • Is other people’s property covered if stolen from my vehicle?
  • Will my rates increase for filing one claim?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance policy coverages for a 1998 Buick Regal

Having a good grasp of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage – This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Buick Regal.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Liability coverages – This coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims. Liability 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 values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as legal defense fees, pain and suffering and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like chiropractic care, X-ray expenses, nursing services, funeral costs and rehabilitation expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage will pay to fix damage to your Regal resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverages – 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 and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, hitting a bird, a broken windshield, rock chips in glass and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Don’t be a big spender

Cost effective 1998 Buick Regal insurance can be bought online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for car insurance, do not skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced collision coverage only to find out that it was a big error on their part. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

Consumers change insurance companies for many reasons like delays in paying claims, high prices, lack of trust in their agent and even policy cancellation. No matter why you want to switch, finding a new company is not as difficult as it may seem.

Even more information can be found at these sites: