How Much Does 2001 Buick Regal Car Insurance Cost?

Having to pay for overpriced Buick Regal insurance can overdraw your personal savings and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Popular companies such as Progressive, State Farm and Geico promote their brand names with TV and radio ads and it is difficult to ignore the propoganda and find the best price available.

Pay less for Buick Regal insurance

Companies do not advertise all available discounts very well, so we researched both well-publicized and the more hidden insurance coverage savings. If you don’t get every credit possible, you’re paying more than you need to.

  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Own a Home – Owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Regal coverage.

It’s important to note that many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of providers with discount insurance coverage rates, click here.

Insurance Coverage Prices Online

Cutting your insurance coverage rates can be quick and easy. The only thing you need to do is take a couple of minutes getting comparison quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The best way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do separate quotes for each company. A single form will get you price quotes from many national carriers.
  2. A slightly less efficient method to compare prices requires visiting each company’s website to complete their respective quote request forms. For sake of this example, we’ll pretend you want rates from State Farm, Esurance and Progressive. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient way to get comparison rates is to spend time driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the trained guidance of a local agent. Drivers can price shop your coverage online but buy from a local insurance agent and we’ll talk about that later.

Whichever method you choose, ensure you are comparing exactly the same coverages for each price quote. If you are comparing higher or lower deductibles it’s impossible to find the best deal for your Buick Regal.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • When can I cancel my policy?
  • Is my Buick Regal covered if I use it for business?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when driving a rental car?
  • Does coverage extend to a rental car in a foreign country?
  • Is my trailer covered?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Coverages available on your insurance policy

Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, chiropractic care and prosthetic devices. 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 available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Buick Regal.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, falling objects, damage from a tornado or hurricane and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, colliding with a tree, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Liability – Liability insurance protects you from damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like pain and suffering, medical services and funeral expenses. How much coverage you buy is up to you, but buy as large an amount as possible.

In the end, you save

As you shop your coverage around, you should never skimp on coverage in order to save money. There are many occasions where someone dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

We’ve covered quite a bit of information on how to get a better price on 2001 Buick Regal insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a company that doesn’t do a lot of advertising. These smaller insurers often have lower prices on specific markets than their larger competitors like Allstate and Progressive.

To learn more, take a look at the resources below: