Lower Your 2018 Buick Regal Sportback Insurance Cost

Have you finally had enough of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as many other drivers.

You have multiple auto insurance companies to insure vehicles with, and although it’s a good thing to have a selection, it makes it harder to find the best rates.

It is always a good idea to compare premium rates every six months because insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest rate on Regal Sportback coverage a few years ago you can probably find a better premium rate now. There is too much inaccurate information about car insurance online but in just a couple of minutes you can learn a lot of great tips on how to slash your car insurance rates.

Save money by taking advantage of discounts

Some insurers don’t always advertise every discount very clearly, so the list below details some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.

  • Auto/Home Discount – If you insure your home and vehicles with the same company they may give you a discount of at least 10% off all policies.
  • Save over 55 – Older drivers are able to get a discount up to 10% on Regal Sportback coverage.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Low Mileage – Driving less can earn lower prices due to less chance of an accident.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.

As is typical with insurance, most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, you aren’t that lucky.

Companies and the discounts they provide are shown below.

  • Progressive offers discounts including homeowner, multi-policy, multi-vehicle, continuous coverage, and online quote discount.
  • AAA has discounts for education and occupation, pay-in-full, AAA membership discount, anti-theft, multi-car, and good driver.
  • Farmers Insurance includes discounts for business and professional, distant student, homeowner, youthful driver, good student, multi-car, and pay in full.
  • Geico policyholders can earn discounts including military active duty, membership and employees, multi-policy, defensive driver, and anti-theft.
  • Esurance may offer discounts for DriveSense, defensive driver, Pac-12 alumni, Switch & Save, and emergency road assistance.
  • SAFECO may include discounts for anti-lock brakes, teen safety rewards, safe driver, multi-car, accident prevention training, and teen safe driver.
  • State Farm may have discounts that include multiple policy, defensive driving training, good driver, driver’s education, Drive Safe & Save, multiple autos, and good student.

Before buying, ask every company which credits you are entitled to. Some discounts listed above may not be offered in your area.

How much auto insurance do I need?

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help you determine if your situation could use an agent’s help.

  • Are rock chip repairs covered?
  • Should I rate my 2018 Buick Regal Sportback as pleasure use or commute?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Don’t be fooled by advertising claims

Insurance companies such as Progressive, Geico, Allstate and State Farm endlessly run ads in print and on television. They all tend to make the same promise that drivers can save some big amount if you switch your policy. That’s great but how can every company claim to save you money? This is the trick they use.

Companies have a certain “appetite” for the type of customer that will be a good risk. For instance, a driver they prefer could possibly be a married female, owns a home, and drives newer vehicles. Any person who meets those qualifications will get low premium rates and will probably save when they switch companies.

Drivers who fall short of the “perfect” profile must pay a more expensive rate which usually ends up with the customer not buying. If you pay attention, the ads say “customers who switch” not “all people who quote” save money. This is how insurance companies can claim big savings.

Different companies use different criteria so you really should quote coverage with many companies. It is impossible to predict which company will give you lower premium rates than your current company.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your 2018 Buick Regal Sportback.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

Comprehensive insurance

This covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, funeral expenses, pain and suffering, emergency aid and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses like doctor visits, surgery, prosthetic devices, X-ray expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, driving through your garage door and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

More quotes. Lower rates.

Low-cost 2018 Buick Regal Sportback insurance is available online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and many times these smaller providers only sell coverage through independent agents.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced full coverage only to find out that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

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