2017 Buick Regal Insurance Rates

Do you get overwhelmed by the number of car insurance companies available to you? Lot’s of other drivers are too. people have so many options that it can easily turn into hard work to find the perfect company for you.

Smart consumers take time to check car insurance prices quite often because prices are constantly changing. If you had the lowest quotes on Regal coverage at your last renewal there may be better deals available now. Forget all the misinformation about car insurance because we’re going to demonstrate how to quote online to reduce your cost while improving coverage.

How do car insurance companies determine Buick Regal insurance prices?

Many things are considered when premium rates are determined. Some factors are common sense such as your driving record, but others are more transparent such as your marital status or your vehicle rating.An important part of buying insurance is that you know some of the things that come into play when calculating car insurance rates. When you understand what determines base rates, this enables you to make decisions that may result in lower premium levels.

The itemized list below are some of the factors used by companies to determine prices.

  • Limits of liability protection – Your car insurance policy’s liability coverage is the protection in the event that you are found to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Too many claims drive up car insurance rates – Companies provide lower rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is intended for claims that you cannot pay yourself.
  • Accidents hurt – A bad driving record has a lot to do with how much you pay for insurance. Careful drivers pay less for auto insurance compared to drivers with tickets. Just one chargable violation can bump up the cost by as much as thirty percent. People who have careless violations such as reckless driving or DUI are required to complete a SR-22 with their state’s licensing department in order to prevent a license revocation.
  • Youthful drivers cost more – Teen drivers tend to be careless and easily distracted behind the wheel therefore car insurance rates are much higher. Parents adding a youthful driver onto your car insurance can be very expensive. Older insureds have been proven to be more responsible, tend to file fewer claims and get fewer tickets.

Drivers can save with with these discounts

Some companies don’t list every discount they offer in an easy-to-find place, so the below list has both the well known and also the lesser-known credits that may apply to you.

  • Air Bags and Passive Restraints – Vehicles equipped with air bags could see savings of 25 to 30%.
  • Driver Safety – Participating in a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.
  • One Accident Forgiven – This one isn’t a discount, but companies like Progressive and Allstate permit an accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
  • Early Signing – Some larger companies provide a discount for signing up prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Anti-lock Brake System – Cars that have anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Telematics Discount – Drivers who agree to allow companies to track when and where they use their vehicle through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they have good driving habits.
  • Drivers Education – Require your teen driver to take driver’s ed class in high school.
  • Discount for Home Ownership – Owning a house can save a few bucks since owning and maintaining a home means you have a higher level of financial diligence.
  • Low Mileage Discounts – Low annual miles can earn lower auto insurancerates on the low mileage vehicles.

It’s important to understand that some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think adding up those discounts means a free policy, companies wouldn’t make money that way.

A list of companies and a partial list of their discounts are detailed below.

  • Farmers Insurance offers discounts for switch companies, bundle discounts, early shopping, multi-car, good student, and mature driver.
  • Esurance policyholders can earn discounts including good driver, DriveSense, multi-car, renters, online shopper, safety device, and anti-theft.
  • State Farm has savings for good student, anti-theft, multiple autos, Steer Clear safe driver discount, and Drive Safe & Save.
  • Geico offers premium reductions for good student, anti-lock brakes, anti-theft, federal employee, multi-policy, and driver training.
  • Allstate discounts include EZ pay plan discount, defensive driver, anti-theft, safe driver, farm vehicle, multi-policy, and eSmart discount.

If you want low cost insurance quotes, ask each company how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders everywhere. For a list of companies with significant discounts, click here.

Your situation helps dictate your coverage

When it comes to choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation might need an agent’s assistance.

  • Does my car insurance cover rental cars?
  • What if I don’t agree with a claim settlement offer?
  • When should I not file a claim?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance 101

Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Auto collision coverage

Collision coverage pays for damage to your Regal resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Auto liability

Liability coverage can cover damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like medical services, pain and suffering, repair costs for stationary objects, emergency aid and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Buick Regal.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a bird and fire damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses like prosthetic devices, ambulance fees, dental work, X-ray expenses and nursing services. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

A penny earned…

Cheap 2017 Buick Regal insurance is attainable from both online companies and with local insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies only sell through independent insurance agencies.

Insureds change insurance companies for a variety of reasons including questionable increases in premium, poor customer service, denial of a claim and even delays in paying claims. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

In this article, we covered many tips how you can compare 2017 Buick Regal insurance prices online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the lowest prices come from a lesser-known regional company.

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