2018 Buick Regal Insurance Quotes – 7 Tips to Save

Want cheaper insurance coverage rates? Drivers have many options when trying to find the best price on Buick Regal insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to get rate quotes. There is a better way to shop for insurance coverage and you need to know the best way to quote coverages for a Buick and obtain the lowest possible price from local insurance agents and online providers.

Insurance discounts help cut rates

Companies do not list every possible discount in a way that’s easy to find, so we break down a few of the more well known and the more hidden credits that may apply to you.

  • Full Payment Discount – If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
  • Distant Student – College-age children who attend college more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Anti-lock Brakes – Cars with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
  • No Charge for an Accident – This one is not really a discount per se, but certain companies will turn a blind eye to one accident before raising your premiums if you have no claims prior to being involved in the accident.
  • Use Seat Belts – Requiring all passengers to use their safety belts can save 10% or more on medical payment and PIP coverage.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premium rates.
  • Responsible Driver Discount – Drivers who don’t get into accidents can save as much as half off their rates for Regal coverage as compared to drivers with claims.

Remember that many deductions do not apply the the whole policy. Most only apply to individual premiums such as medical payments or collision. Even though the math looks like all the discounts add up to a free policy, companies don’t profit that way.

Companies and their offered discounts are outlined below.

  • Geico includes discounts for defensive driver, multi-policy, military active duty, driver training, and seat belt use.
  • Travelers has savings for driver training, new car, save driver, multi-policy, multi-car, and continuous insurance.
  • Farm Bureau may include discounts for 55 and retired, good student, multi-vehicle, multi-policy, youthful driver, and safe driver.
  • Liberty Mutual policyholders can earn discounts including safety features, new vehicle discount, new graduate, good student, and newly married.
  • American Family offers discounts for air bags, good student, accident-free, TimeAway discount, and mySafetyValet.
  • Progressive discounts include multi-policy, multi-vehicle, online signing, continuous coverage, homeowner, and online quote discount.

When getting free car insurance quotes, it’s a good idea to each insurance company to give you their best rates. A few discounts may not apply everywhere. To see companies who offer online insurance quotes, follow this link.

Which is the best auto insurance?

When buying coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

  • Does medical payments coverage apply to all occupants?
  • Can I afford to pay high deductible claims out of pocket?
  • Is other people’s property covered if stolen from my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is PIP insurance?
  • Does car insurance cover theft of personal property?
  • Can I rent a car in Mexico?
  • Should I bundle my homeowners policy with my auto?
  • Is my custom paint covered by insurance?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Specifics of your insurance policy

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Buick Regal.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on other’s property or people. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like attorney fees, funeral expenses, repair bills for other people’s vehicles, legal defense fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, ambulance fees and surgery. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This covers damage to your Regal resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, crashing into a ditch, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This 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 can pay for things such as a broken windshield, hail damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Better coverage you can count on

Lower-priced insurance is possible online and also from your neighborhood agents, so you need to shop car insurance with both to have the best selection. Some companies do not offer internet price quotes and these small insurance companies prefer to sell through independent insurance agencies.

We covered many ideas to compare 2018 Buick Regal insurance premium rates online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest premium rates come from an unexpected company.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. In many instances, an insured cut uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. Your strategy should be to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

Additional detailed information can be found at these sites: