2004 Buick Regal Insurance Cost

Finding low-cost insurance for a Buick Regal can turn out to be difficult, but you can learn the following methods to find lower rates. There are both good and bad ways to buy insurance coverage and we’ll show you the absolute fastest way to compare rates on a Buick and get the lowest possible price either online or from local insurance agents.

If you have a current insurance coverage policy or are shopping for new coverage, you can learn to reduce the price you pay while maximizing coverage. Buying affordable coverage is easy if you know what you’re doing. Consumers only need to know the most effective way to shop for insurance coverage online.

Be sure to get all your discounts

Companies don’t always publicize all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Save over 55 – If you’re over the age of 55, you can possibly qualify for better auto insurance rates on Regal insurance.
  • Low Mileage – Fewer annual miles on your Buick can qualify you for better rates on cars that stay parked.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Paperless Signup – Some insurance companies will give a small break for buying a policy and signing up on their website.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Accident Waiver – Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.

Consumers should know that some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

To see a list of companies who offer auto insurance discounts, click this link.

The most recommended method to compare insurance rates from multiple companies utilizes the fact most larger insurance companies have advanced systems to provide you with a free rate quote. All consumers are required to do is give them rating details like which vehicles you own, if you lease or own, your credit rating estimate, and your occupation. That information is then submitted to multiple companies and you get price estimates immediately.

How do I know if I need professional advice?

When buying coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • I have a DUI can I still get coverage?
  • Is my babysitter covered when using my vehicle?
  • If I drive on a suspended license am I covered?
  • Should I carry comprehensive and collision coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • How can I find cheaper teen driver insurance?
  • Do I need replacement cost coverage?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Insurance coverage specifics

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Buick Regal.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance – This coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims. It does not 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. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like medical services, emergency aid, bail bonds and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like surgery, ambulance fees, EMT expenses and dental work. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverages – This coverage will pay to fix damage to your Regal from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, sideswiping another vehicle, rolling your car, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, hitting a bird, vandalism, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Power to the consumer

Low-cost 2004 Buick Regal insurance is definitely available on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies do not provide online quoting and these small, regional companies work with independent agents.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. In too many instances, drivers have reduced uninsured motorist or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

We just showed you some good ideas how you can shop for insurance online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from a small local company.

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