2012 Buick Regal Car Insurance Rates – 10 Tips for Cheapest Quotes

Looking for lower auto insurance rates for your Buick Regal? Feel like you’re a prisoner to overpriced auto insurance? Believe me, there are many people just like you.

With so many online and local companies to choose from, it can be hard to choose the most cost effective provider.

It’s a good idea to get comparison quotes before your policy renews since insurance rates go up and down regularly. Even if you think you had the lowest rates for Regal insurance last year you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the best way to properly buy coverages while reducing your premium.

The most recommended method to compare rates is to take advantage of the fact most of the bigger providers allow for online access to compare rate quotes. The only thing you need to do is give them rating details such as how much you drive, your education level, what your job is, and whether you are married. Your insurance information is instantly sent to insurance companies and you will receive price estimates instantly to find the best rate.

Discounts can save BIG

Insurance can cost an arm and a leg, but you may find discounts to help bring down the price. Certain discounts will be applied at the time you complete a quote, but some must be asked about prior to getting the savings.

  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
  • Memberships – Participating in a professional or civic organization is a good way to get lower rates on insurance for Regal insurance.
  • Student in College – Kids in college who live away from home and do not have a car may qualify for this discount.
  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Seat Belts Save – Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will reduce your premiums.

A partial list of companies that may offer these discounts are:

Check with each insurance company which discounts they offer. Some discounts might not apply everywhere.

Will just any policy work for me?

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can help discover whether your personal situation could use an agent’s help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • I don’t drive much so do I pay less?
  • What if I don’t agree with a claim settlement offer?
  • Is business property covered if stolen from my car?
  • What can I do if my company won’t pay a claim?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Specifics of your insurance policy

Understanding the coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they 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.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

This coverage will pay to fix damage to your Regal resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, backing into a parked car, rolling your car, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverage

This will cover damages or injuries you inflict on people or other property. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as medical expenses, loss of income, court costs and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses like EMT expenses, funeral costs and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, rock chips in glass, damage from a tornado or hurricane and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Saving money is sweet as honey

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice collision coverage and discovered at claim time that it was a big mistake. Your goal should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Throughout this article, we presented a lot of ways to reduce 2012 Buick Regal insurance prices online. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may discover the biggest savings come from a lesser-known regional company. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.

Additional detailed information can be found at these sites: