No one in their right mind looks forward to paying for auto insurance, particularly when the price is too high.
Lots of car insurance companies contend to insure your vehicles, so it’s not easy to compare every insurance company and get the definite lowest rate
Consumers should take time to get comparison quotes every six months due to the fact that insurance rates change quite often. Just because you had the best price for Regal coverage a couple years back a different company probably has better rates today. Don’t believe everything you read about auto insurance online, so I’m going to show you some guaranteed methods to buy auto insurance cheaper.
Car insurance companies don’t always list every discount very well, so here is a list some of the more common and also the lesser-known savings tricks you should be using.
A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.
For a list of companies who offer auto insurance discounts, click here.
When it comes to buying coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Learning about specific coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages available from insurance companies.
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as chiropractic care, pain medications, dental work, X-ray expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Regal.
Since a lot of drivers 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 important protection for you and your family.
This coverage covers damage to your Regal from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as damaging your car on a curb, hitting a parking meter, rolling your car, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Liability coverage provides protection from damage that occurs to a person or their property. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things like repair costs for stationary objects, legal defense fees and structural damage. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like damage from flooding, vandalism, hitting a deer and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
As you restructure your insurance plan, do not buy less coverage just to save a little money. In many instances, an accident victim reduced physical damage coverage and discovered at claim time they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.
Low-cost 2002 Buick Regal insurance can be sourced from both online companies and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. A few companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.
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