1991 Buick Regal Car Insurance Rates

Trying to find low-cost insurance for a Buick Regal can normally be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are more efficient ways to compare auto insurance rates and you need to know the quickest way to compare rates for your Buick and get the lowest price from both online companies and local agents.

Smart consumers take time to compare prices before your policy renews because insurance rates trend upward over time. Even if you think you had the best price for Regal coverage a year ago you can probably find a better price now. So just block out anything you think you know about auto insurance because we’re going to show you the right way to find better rates and still maintain coverage.

Car Insurance Comparison Rates

Comparing car insurance rates can take time and effort if you aren’t aware of the most efficient way to do it. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to maximize your effort.

Most of the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and each company can provide price quotes. This prevents consumers from doing repetitive form submissions for each company.

To find out how much you’re overpaying now click to open in new window.

The single downside to comparing rates this way is that you can’t choose the providers to receive prices from. If you prefer to choose specific providers to request quotes from, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make absolute certain that you use exactly the same information with each company. If you are comparing different limits and deductibles on each one it’s not possible to determine which rate is truly the best.

Take advantage of discounts

Companies that sell car insurance do not list all available discounts very well, so we researched both well-publicized as well as the least known discounts you could be receiving. If you don’t get every credit available, you’re paying more than you need to.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Club Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on auto insurance for Regal coverage.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in high school.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
  • Air Bag Discount – Factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Accident Forgiveness – A few companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.

It’s important to understand that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

To see a list of providers offering auto insurance discounts, click this link.

How to know if you need help

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether you could use an agent’s help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Which companies will insure high-risk drivers?
  • Do I need replacement cost coverage?
  • How much liability do I need to cover my assets?
  • What vehicles should carry emergency assistance coverage?
  • Should I get collision insurance on every vehicle?
  • How many claims can I have before being cancelled?
  • When should I drop full coverage on my 1991 Buick Regal?
  • Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Buick Regal insurance rates consist of many parts

It’s important that you understand the factors that play a part in calculating your auto insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get better auto insurance rates.

  • Your credit rating is important – A driver’s credit rating is a large factor in calculating your auto insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower ratings. If your credit rating can use some improvement, you could potentially save money when insuring your 1991 Buick Regal by spending a little time repairing your credit.
  • Claim-free discounts can add up – Companies give cheaper rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Extra coverages can waste money – There are quite a few extra bells and whistles that you can get tricked into buying on your auto insurance policy. Things like rental car reimbursement, accidental death and membership fees are examples of these. These coverages may sound good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Rate your vehicle for proper use – The more miles you rack up on your Buick in a year’s time the higher your rates will be. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. Improper usage on your Regal may be wasting your money. Verify your auto insurance policy is rated on how each vehicle is driven, because it can save money.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles protect occupants better and lower injury rates means less money paid by your insurance company and thus lower rates. If your Buick is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Occupation reflects on rates – Occupations such as real estate brokers, executives and financial analysts tend to have higher average rates due to stressful work requirements and long work days. Conversely, jobs such as actors, engineers and the unemployed receive lower rates for Regal coverage.
  • Being married is a good thing – Being married can actually save you money on your auto insurance policy. It translates into being more mature it has been statistically shown that drivers who are married are more cautious.
  • Bundling policies can get discounts – Some auto insurance companies will give a discount to insureds who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to compare rates to verify if the discount is saving money. Drivers may still find better rates by buying auto insurance from a different company.

Coverages available on your policy

Learning about specific coverages of auto insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like hospital visits, ambulance fees, chiropractic care, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, damage from flooding and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

This provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, pain and suffering and medical expenses. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Buick Regal.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

At the end of the day…

Low-cost 1991 Buick Regal insurance can be bought on the web and with local insurance agents, so compare prices from both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Throughout this article, we presented a lot of information how to get a better price on insurance. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest priced car insurance comes from an unexpected company.

When buying insurance coverage, never skimp on coverage in order to save money. There are too many instances where an accident victim reduced full coverage only to regret that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best price, not the least amount of coverage.

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