Save on 1993 Buick Regal Car Insurance Rates

People not familiar with shopping for insurance online may find finding cut-rate insurance is not as easy as it seems.

It’s important to shop coverage around occasionally because insurance rates tend to go up over time. Even if you think you had the lowest rates on Regal insurance last year you may be paying too much now. So just block out anything you think you know about insurance because we’re going to show you the quickest way to find better rates and still maintain coverage.

This article will let you in on the best way to quote coverages. If you have car insurance now, you should be able to lower your premiums substantially using these methods. But car owners do need to know how insurance companies price insurance differently because it can help you find the best coverage.

Compare Quotes for Auto Insurance

There are multiple methods to compare 1993 Buick Regal auto insurance quotes, but some are more efficient than others. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to get the quickest rates.

Most car insurance companies enroll in a system that enables customers to enter their coverage request one time, and at least one company provides a quote based on that information. This saves time by eliminating repetitive form submissions for each company.

To use this form to compare 1993 Buick Regal insurance rates click here to open in new window.

The one disadvantage to getting quotes like this is you don’t know exactly which providers to get pricing from. So if you prefer to pick specific insurance companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples coverages for every company. If your comparisons have different liability limits you can’t possibly determine which rate is truly the best. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparison shopping, quoting more will increase your chances of finding the best offered rates.

Do car insurance companies bend the truth?

Car insurance providers like State Farm, Allstate and GEICO consistently run ads in print and on television. They all make an identical promise that you can save if you change your policy. How can each company claim to save you money?

Different companies have a preferred profile for the type of customer that is profitable for them. A good example of a desirable insured might be profiled as between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. Any new insured who fits that profile gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who fall outside this ideal profile will be quoted more money which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that much money. That’s why insurance companies can advertise the way they do.

This emphasizes why it is so important to quote coverage with many companies. It’s not possible to predict which car insurance company will have the lowest Buick Regal insurance rates.

Why you might be paying too much to insure your Buick Regal

It’s important that you understand some of the elements that help determine the rates you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to better auto insurance rates.

The following are a partial list of the pieces used by your company to calculate prices.

  • Being married can save on auto insurance – Having a wife or husband can actually save you money when buying auto insurance. It translates into being more mature than a single person and statistics show married couples file fewer claims.
  • A clean driving record saves money – Your driving citation history has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance than their less careful counterparts. Just one moving violation can increase rates by twenty percent. Drivers who have dangerous citations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Males pay more for insurance – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women tend to get into accidents at about the same rate, but men cause more damage. Men also receive more costly citations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Safer occupants lowers premiums – Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Buick Regal earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Don’t get talked into coverage you don’t need – There are quite a few extra coverages that you can buy if you aren’t careful. Coverages like vanishing deductibles, towing coverage and additional equipment coverage may be wasting your money. They may seem like a good idea initially, but now you might not need them so get rid of them and save.

Don’t overlook these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. A few discounts will automatically apply when you purchase, but a few must be requested specifically before being credited.

  • Low Mileage – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance due to the fact that maintaining a home shows financial diligence.
  • Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Multi-car Discount – Insuring more than one vehicle on the same insurance policy can get a discount on all vehicles.
  • Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up on their website.

Consumers should know that most credits do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, insurance companies aren’t that generous. Any qualifying discounts will help reduce the cost of coverage.

For a list of companies offering insurance discounts, follow this link.

Is my situation unique?

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different.

For example, these questions might help in determining if you might need professional guidance.

  • How can I find cheaper teen driver insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What can I do if my company won’t pay a claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • What discounts do I qualify for?
  • Will my rates increase for filing one claim?
  • Does my insurance cover a custom paint job?
  • Do I need replacement cost coverage?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Coverage specifics

Knowing the specifics of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, theft, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for rehabilitation expenses, funeral costs and dental work. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage protection

This coverage covers damage to your Regal from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as funeral expenses, medical services, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

More comparisons equals lower rates

In this article, we covered a lot of information how to shop for 1993 Buick Regal insurance online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

The cheapest insurance is attainable both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

People change insurance companies for a number of reasons such as policy cancellation, policy non-renewal, high prices and even lack of trust in their agent. Regardless of your reason, finding a new company is not as hard as you think.

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