1991 Buick Regal Car Insurance Rates

Looking for the cheapest car insurance rates for your Buick Regal? Sick and tired of scraping the payment together to insure your Buick every month? You are in the same boat as millions of other consumers. Consumers have many car insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, it can be more difficult to compare rates and cut insurance costs.

You need to shop coverage around once or twice a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the best deal for Regal insurance last year other companies may now be cheaper. So block out anything you think you know about car insurance because it’s time to teach you the best way to find better rates and still maintain coverage.

The purpose of this post is to help educate you on the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you will be able to save some money using these tips. Vehicle owners only need to know the proper way to shop for insurance online.

How to Get Insurance Coverage Comparison Quotes

There are a lot of ways to compare insurance coverage prices but there is one way that is easier and takes less work. You could waste time driving to agents in your area, or you can utilize online quotes to quickly compare rates.

Most car insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and each participating company provides a quote determined by their information. This saves time by eliminating quote forms for every insurance coverage company.

To find out how much you can save on insurance coverage click here (opens in new window).

The single downside to comparing rates this way is buyers cannot specifically choose which carriers to get pricing from. So if you prefer to choose specific insurance companies to compare, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

Whichever way you use, ensure you’re using exactly the same deductibles and coverage limits for each comparison quote. If you have different limits and deductibles on each one you can’t possibly determine which rate is truly the best.

Cut your premium with discounts

Car insurance can cost a lot, but companies offer discounts that you may not know about. Some trigger automatically at the time you complete a quote, but some must be specially asked for prior to getting the savings. If you don’t get every credit you deserve, you are throwing money away.

  • Fewer Miles Equal More Savings – Keeping the miles down on your Buick could be rewarded with a substantially lower rate.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Student Driver Training – Have your child take driver’s ed class in high school.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will reduce the amount you have to pay.

Car insurance companies who might offer these discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. Savings may not be available in your state.

What is the best insurance coverage?

When choosing coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover whether you might need professional guidance.

  • What if I owe more than I can insure my car for?
  • How much liability insurance is required?
  • Which is better, split liability limits or combined limits?
  • Can I afford low physical damage deductibles?
  • I don’t drive much so do I pay less?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with 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 is quick, free and you can get the answers you need.

Insurance coverages and their meanings

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Collision coverages – This coverage pays for damage to your Regal from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, scraping a guard rail, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, a broken windshield, hitting a bird and damage from flooding. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage – Liability coverage can cover damage that occurs to other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

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 policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like court costs, medical expenses, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses like rehabilitation expenses, hospital visits and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Buick Regal.

Because many people 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 very important. Most of the time these coverages are similar to your liability insurance amounts.

Knowledge is power

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. In too many instances, someone sacrificed liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Budget-conscious 1991 Buick Regal insurance is attainable online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance coverage companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

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