2018 Buick Regal TourX Insurance Rates

Are you tired of robbing Peter to pay Paul to buy insurance? You have the same problem as many other drivers.

You have so many car insurance companies to insure vehicles with, and although it’s a good thing to have a selection, lots of choices makes it harder to compare rates and cut insurance costs.

Smart consumers take time to check insurance prices yearly because prices fluctuate regularly. Even if you got the best deal on Regal TourX coverage last year a different company probably has better rates today. Block out anything you think you know about insurance because we’re going to demonstrate the best way to lower your rates without sacrificing coverage.

What determines Buick Regal TourX insurance rates?

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that aid in calculating the level of your policy premiums. When consumers understand what determines premiums, this enables you to make decisions that can help you get lower premium levels.

The list below includes some of the items that factor into your rates.

  • Stay claim-free and save – Insurance companies provide better rates to insureds who only file infrequent claims. If you file claims often, you can look forward to higher rates. Your car insurance is designed for larger claims.
  • How much liability protection do you need? – Your policy’s liability coverage is the coverage that protects you if ever you are found to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. It is affordable coverage compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Bad credit will cost you – A driver’s credit rating factor in calculating your insurance rates. If your credit history is lower than you’d like, you could save money insuring your 2018 Buick Regal TourX if you improve your credit rating. People that have very good credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Gender as a rate factor – Over time, data shows females are less aggressive when driving. The data does not necessarily mean that females are better at driving than males. Both sexes have accidents in similar percentages, but guys have costlier accidents. Not only are claims higher, but men get more serious tickets like DWI (DUI) or reckless driving.
  • Add-on coverages you don’t need – There are many extra coverages that sound like a good idea at the time if you don’t pay attention. Add-on coverages like rental car coverage, accidental death, and motor club memberships are probably not needed. They may seem good initially, but your needs may have changed so consider taking them off your policy.

You may qualify for discounts

Some insurance providers don’t list every policy discount in an easy-to-find place, so we took the time to find some of the more common and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

  • Resident Student – College-age children who live away from home to go to college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Auto/Home Discount – If you combine your auto and homeowners policies and place coverage with the same company you could get a discount of at least 10% off all policies.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • Service Members Pay Less – Being on active deployment in the military could be rewarded with lower premium rates.
  • Telematics Devices – Insureds who allow driving data collection to monitor where and when they drive by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they are good drivers.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Claim-Free Discount – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote in comparison to drivers with a long claim history.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Allstate and Progressive will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
  • Defensive Driver Discount – Taking a class that teaches defensive driving techniques could cut 5% off your bill and also improve your driving technique.
  • New Car Discount – Adding a new car to your policy can get you a discount since newer models are generally safer.

Keep in mind that some credits don’t apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, it’s just not the way it works. But any discount will bring down the cost of coverage.

A list of companies and a summarized list of policyholder discounts are shown below.

  • Geico discounts include good student, membership and employees, air bags, defensive driver, and driver training.
  • Travelers may offer discounts for IntelliDrive, good student, multi-policy, early quote, and driver training.
  • Nationwide may include discounts for easy pay, Farm Bureau membership, anti-theft, multi-policy, family plan, and good student.
  • Farmers Insurance has discounts for teen driver, switch companies, good student, business and professional, and alternative fuel.
  • Esurance includes discounts for paid-in-full, multi-car, good student, safety device, online shopper, and Pac-12 alumni.
  • State Farm offers discounts for anti-theft, multiple policy, passive restraint, student away at school, driver’s education, Steer Clear safe driver discount, and accident-free.
  • Progressive policyholders can earn discounts including homeowner, multi-policy, online signing, good student, and online quote discount.
  • Mercury Insurance may have discounts that include accident-free, low natural disaster claims, good student, anti-theft, multi-car, and multi-policy.

Double check with all the companies to apply every possible discount. A few discounts may not be offered in your area. To choose insurers who offer cheap car insurance quotes, click this link.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Why do I need rental car insurance?
  • Am I covered when pulling a rental trailer?
  • What discounts do I qualify for?
  • Does coverage extend to my business vehicle?
  • When should I buy a commercial auto policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Specifics of your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by auto insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, a tree branch falling on your vehicle and a broken windshield. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as court costs, medical expenses, legal defense fees, emergency aid and structural damage. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as funeral costs, pain medications, EMT expenses, ambulance fees and hospital visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Regal TourX from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, colliding with a tree, backing into a parked car, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

At the end of the day…

You just learned many ideas to reduce 2018 Buick Regal TourX insurance rates online. It’s most important to understand that the more companies you get auto insurance rates for, the higher the chance of saving money. Drivers may discover the best price on car insurance is with some of the smallest insurance companies. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. There are many occasions where consumers will sacrifice liability coverage limits and learned later they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

More tips and info about car insurance can be read in the articles below: