Cheaper 2004 Buick Regal Insurance Rates

I can’t think of anyone who cherishes buying insurance coverage, especially knowing their premiums are too high. Because you have many options, it’s nearly impossible to pick the right car insurance company.

Smart consumers take time to compare rates periodically since insurance rates are variable and change quite frequently. Even if you got the lowest rates on Regal insurance last year there is a good chance you can find better rates now. There is a lot of bad information regarding insurance coverage online, so we’re going to give you a lot of great tips on how to find cheap insurance coverage.

Discounts mean cheaper 2004 Buick Regal insurance rates

Car insurance companies don’t necessarily list all available discounts very well, so we researched both the well known and the more hidden insurance savings. If you don’t get every credit available, you’re paying more than you need to.

  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • One Accident Forgiven – Certain companies permit an accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you could get a free insurance policy, it doesn’t quite work that way.

To see a list of companies who offer insurance discounts, click here.

Tailor your coverage to you

When it comes to buying coverage, there isn’t really a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation could use an agent’s help.

  • How much liability do I need to cover my assets?
  • Is my nanny covered when driving my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is UM/UIM insurance?
  • What is no-fault insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I drive in Mexico and have coverage?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Are car insurance companies telling the truth?

Drivers constantly see and hear ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all seem to make an identical promise that you can save if you move your policy.

How can each company say the same thing? This is how they do it.

Different companies can use profiling for the right customer that earns them a profit. A good example of a profitable customer could possibly be a mature driver, has no tickets, and drives newer vehicles. Any new insured who fits that profile will get the preferred rates and most likely will save quite a bit of money when switching.

Drivers who don’t meet the “perfect” profile must pay higher premiums and this can result in the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully make those claims. This illustrates why you need to compare many company’s rates. It’s impossible to know the company that will provide you with the cheapest Buick Regal insurance rates.

Insurance specifics

Having a good grasp of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for prosthetic devices, chiropractic care, surgery, funeral costs and hospital visits. They are often used to fill the gap from your health insurance program 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 coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

This protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as emergency aid, court costs, legal defense fees and loss of income. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, damage from a tornado or hurricane, fire damage and hail damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2004 Buick Regal.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision protection

Collision insurance covers damage to your Regal caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, scraping a guard rail, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Shop smart and save

When shopping online for insurance coverage, you should never buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

You just learned many ways to shop for 2004 Buick Regal insurance online. The key thing to remember is the more you quote, the better your comparison will be. Drivers may discover the best price on insurance coverage is with a small local company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

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