1997 Buick Regal Car Insurance Rates

Want the cheapest insurance coverage rates for your Buick Regal? Saving money on insurance coverage is always hard for people who are new to shopping for insurance online. Drivers have so many options available that it can quickly become more work than you anticipated to find lower rates.

Finding more affordable coverage is quite easy. Just about every driver who carries insurance coverage will be able to lower their premiums. Although consumers must know how companies market on the web and apply this information to your search.

Lower rates by qualifying for discounts

The cost of insuring your cars can be expensive, but there could be available discounts to reduce the price significantly. Some trigger automatically when you purchase, but a few need to be manually applied before they will apply.

  • Senior Citizens – Older drivers may qualify for reduced rates on Regal insurance.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Seat Belt Usage – Requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Save with a New Car – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.
  • Drivers Education – Require your teen driver to enroll in driver’s education if it’s offered in school.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will help reduce your overall premium however.

To see a list of insurance companies offering insurance discounts, click this link.

Car insurance is unique, just like you

When choosing adequate coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • What is covered by UM/UIM coverage?
  • When would I need rental car insurance?
  • What is the rate difference between pleasure use and commuting?
  • Is a fancy paint job covered?
  • Why am I required to buy high-risk coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form.

Are insurance companies telling the truth?

Insurance providers like State Farm, Allstate and Geico consistently run ads on television and other media. They all make the same claim about savings if you change your policy. How can each company say the same thing? This is how they do it.

All companies can use profiling for the driver that is profitable for them. A good example of a desirable insured could be over the age of 50, has no prior claims, and has a high credit rating. A propective insured that hits that “sweet spot” receives the best rates and as a result will probably save a lot of money.

Consumers who don’t qualify for these standards will have to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “people who quote” save that kind of money. That is how insurance companies can state the savings.

Because of the profiling, you should get as many comparisons as possible. Because you never know the company that will fit your personal profile best.

Insurance coverages explained

Understanding the coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, a tree branch falling on your vehicle, vandalism, damage from a tornado or hurricane and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, EMT expenses, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on a person or their property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as pain and suffering, bail bonds, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Collision coverage protection

Collision coverage pays for damage to your Regal resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Smart shoppers get results

The cheapest 1997 Buick Regal insurance is attainable from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and these smaller companies work with independent agents.

We just covered many ideas to get a better price on insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. You may even discover the lowest premiums are with a smaller regional carrier.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

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