1994 Buick Regal Insurance Cost – 9 Tips to Save

Want better insurance coverage rates for your Buick Regal? Finding cheap insurance coverage on the internet can seem to be somewhat difficult for beginners to comparison shopping online. Because there are so many insurers to choose from, how can consumers possibly compare every one to find the cheapest rates?

It is always a good idea to take a look at other company’s rates periodically since insurance rates change regularly. Even if you think you had the best deal for Regal insurance a year ago a different company probably has better rates today. You can find a lot of misleading information regarding insurance coverage online, so with this article, you’re going to get the best ways to save money.

Take advantage of discounts

Car insurance can cost a lot, but there could be available discounts that many people don’t even know exist. Some discounts apply automatically at quote time, but a few must be specially asked for in order for you to get them.

  • Organization Discounts – Belonging to certain professional organizations could qualify you for a break when shopping for car insurance for Regal insurance.
  • Passive Restraints – Vehicles with factory air bags can receive discounts of more than 20%.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for Regal insurance with select insurance companies.
  • Sign Online – A few companies may give you up to $50 just for signing your application online.
  • College Student – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Regal insurance than less cautious drivers.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may earn approximately 10% to 15%.

It’s important to note that some credits don’t apply the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, companies wouldn’t make money that way. But any discount will help reduce your premiums.

To see a list of insurance companies with discount car insurance rates, follow this link.

How to know if you need help

When buying adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that might point out if you would benefit from professional advice.

  • Am I covered when delivering products for my home-based business?
  • Is my teen driver covered when they drive my company car?
  • Is my cargo covered for damage or theft?
  • Am I missing any policy discounts?
  • Do I need more liability coverage?
  • Am I covered when driving in Canada or Mexico?
  • Is my custom paint covered by insurance?
  • Why is insurance for a teen driver so high?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Is there truth in advertising?

Auto insurance companies such as State Farm and Allstate consistently run television and radio advertisements. They all seem to make the same claim that you can save if you change your policy. How can each company claim to save you money?

Different companies can use profiling for the right customer that earns them a profit. For instance, a preferred risk could possibly be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A driver who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Drivers who fall outside this ideal profile will be charged a more expensive rate which leads to business not being written. Company advertisements say “people who switch” not “people who quote” save money. That’s the way companies can truthfully make those claims.

That is why drivers should quote coverage with many companies. It’s just too difficult to predict which company will fit your personal profile best.

Insurance coverages 101

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for collisions

This coverage will pay to fix damage to your Regal caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, rolling your car, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Buick Regal.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like surgery, ambulance fees and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, damage from flooding and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as funeral expenses, medical services, pain and suffering and bail bonds. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Knowledge is power

Budget-conscious 1994 Buick Regal insurance is attainable both online and with local insurance agents, so you should compare both to have the best selection. Some companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

We covered some good ideas how to lower your insurance rates. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a small mutual company.

People who switch companies do it for a number of reasons such as being labeled a high risk driver, delays in paying claims, policy non-renewal and not issuing a premium refund. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.

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