1996 Buick Regal Car Insurance Quotes – 8 Tips to Save

Trying to find lower insurance rates for your Buick Regal? Searching for low-cost insurance for a Buick Regal can normally be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to buy insurance so we’re going to tell you the best way to compare rates for a Buick and obtain the lowest possible price.

Choosing the best insurance company for you is not rocket science. If you have insurance now or need a new policy, you can use this information to cut your premiums and still get good coverage. Vehicle owners just need to learn the most efficient way to find the lowest price on the web.

Discounts mean cheaper Buick Regal insurance rates

Companies don’t always publicize all available discounts very clearly, so here is a list some of the best known and the more hidden insurance savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get better insurance rates on Regal insurance.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • College Student – Youth drivers who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Student Driver Training – Have your child take driver’s ed class in high school.

Consumers should know that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like comp or med pay. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of insurers with the best insurance discounts, click here.

How to Compare Insurance Coverage Costs

Finding a lower price on 1996 Buick Regal insurance can be quick and easy. All that’s required is to take a few minutes to compare quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

One of the simplest ways consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for repetitive form entry to each individual insurance coverage company. Taking the time to complete one form will return quotes from several companies. It’s the fastest way to compare.

A less efficient way to find lower rates is going to each individual company website and request a quote. For instance, we’ll pretend you want to compare rates from USAA, Farmers and State Farm. To get each rate you have to go to every website and enter your information, which is why the first method is more popular.

To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using identical coverages and limits with each company. If you enter different values for each quote it will be next to impossible to truly determine the lowest rate.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your situation may require specific advice.

  • How do I insure my teen driver?
  • When should I drop full coverage on my 1996 Buick Regal?
  • Am I covered if I wreck a rental car?
  • Are rock chip repairs covered?
  • Can I afford low physical damage deductibles?
  • When would I need additional glass coverage?
  • Should I have combined single limit or split liability limits?
  • Do I pay less for low miles?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Insurance coverage breakdown

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.


Liability coverage can cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as bail bonds, court costs, attorney fees, pain and suffering and funeral expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your Regal resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

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

Comprehensive can pay for things such as damage from a tornado or hurricane, a broken windshield and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for rehabilitation expenses, ambulance fees and prosthetic devices. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Better coverage you can count on

Insureds leave their current company for many reasons like high prices, policy cancellation, extreme rates for teen drivers and high rates after DUI convictions. It doesn’t matter what your reason, switching companies can be pretty painless.

Cheap 1996 Buick Regal insurance can be sourced online in addition to many insurance agents, so you should compare both to get a complete price analysis. A few companies do not provide online quoting and these smaller companies work with independent agents.

We just presented a lot of tips how to get a better price on insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest premiums are with the least-expected company.

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