Lower Your 2018 Buick Regal Sportback Car Insurance Rates

High-priced insurance coverage can draw down your checking account, especially in this economy. Doing a price comparison is an excellent way to lower your monthly bill.

Many auto insurance companies vie for your business, so it’s not easy to compare every company to find the best rates possible.

How to shop auto insurance online

When shopping for auto insurance there are multiple ways to obtain and compare prices from many available auto insurance companies in your state. The simplest method to find affordable Buick Regal Sportback insurance rates consists of obtaining rate quotes online. This can be done by using one of the methods below.

  1. The simplest way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This quick form keeps you from doing separate quotes for each company. One simple form compares rates from many national carriers.
  2. A harder way to compare rate quotes requires visiting the website for every company you want to comare to complete a price quote. For instance, let’s say you want to view quotes from USAA, Geico and Liberty Mutual. To get each rate you have to spend time going to each site individually and punch in your information repeatedly, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

However you get your quotes, make darn sure you compare apples-to-apples deductibles and coverage limits for each quote you get. If the quotes have different limits and deductibles on each one it will be nearly impossible to make a fair rate comparison. Having just a slight variation in limits could skew the results. Just remember that quoting more provides better odds of finding a lower rate than you’re paying now.

Take policy discounts and save

Car insurance is not cheap, but you might find some hidden discounts that could drop your premiums quite a bit. Certain reductions will be credited at quote time, but some must be asked for in order for you to get them.

  • Bundled Policy Discount – When you have multiple policies and place coverage with the same company you may save over 10 percent off each policy depending on the company.
  • Theft Deterent Discount – Vehicles that have factory anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Telematics Data Discounts – Insureds that choose to allow their insurance company to look at vehicle usage by using a telematics device such as State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
  • Home Ownership Discount – Owning a house can help you save on insurance coverage because owning a home requires a higher level of personal finance.
  • Student Discounts – Getting good grades may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Sign Online – A handful of insurance coverage companies will give a small break simply for signing on their website.
  • Pay Upfront and Save – By paying your entire bill at once rather than paying monthly you can avoid the installment charge.
  • No Claim Discounts – Good drivers with no accidents get the best insurance coverage rates compared to accident-prone drivers.

Discounts reduce rates, but you should keep in mind that most discount credits are not given the the whole policy. Some only reduce individual premiums such as comprehensive or collision. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way.

Companies that have some of the above discounts are:

Check with each company how many discounts you can get. Some discounts might not be available to policyholders in your area.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Does having multiple vehicles earn me a discount?
  • If my 2018 Buick Regal Sportback is totaled, can I afford another vehicle?
  • Should I carry comprehensive and collision coverage?
  • Does my insurance cover my expensive audio equipment?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, a broken windshield and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Buick Regal Sportback.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages

This protects you from damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

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

Liability can pay for things such as medical expenses, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses like dental work, X-ray expenses, ambulance fees and hospital visits. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your Regal Sportback resulting 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 pays for things like rolling your car, backing into a parked car, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

A penny earned…

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find for the lowest price.

Budget-conscious 2018 Buick Regal Sportback insurance can be found online and from local agencies, so get free insurance coverage quotes from both of them in order to have the best chance of saving money. Some companies don’t offer rate quotes online and usually these smaller providers sell through independent agents.

Helpful articles