1999 Buick Regal Insurance Rates

Trying to find cheaper insurance coverage rates for your Buick Regal? Nobody I know looks forward to buying insurance coverage, especially knowing they are paying too much. Because you have many insurance coverage companies to choose from, it is hard for the average consumer to locate the cheapest insurance company.

It’s a good idea to take a look at other company’s rates quite often due to the fact that insurance rates go up and down regularly. Just because you found the best rates for Regal coverage a couple years back the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to how to use online quotes to find the best coverage while lowering your premiums.

Finding cheaper insurance coverage coverage is easy if you know what you’re doing. If you are insured now or need new coverage, you can learn to find better prices and possibly find even better coverage. Drivers just need to understand the tricks to get comparison rates online.

Insurance Quote Comparison

Most major insurance companies quote prices for coverage on their websites. Getting online quotes is quite simple as you simply type in your coverage preferences as requested by the quote form. Behind the scenes, their rating system collects your credit score and driving record and returns pricing information. Being able to quote online helps simplify price comparisons, but the work required to visit several different sites and complete many quote forms is monotonous and tiresome. But it’s absolutely necessary to do this if you are searching for the lowest insurance rates.

There is an easier way!

A less time-consuming method to find cheaper rates requires only one form that gets price quotes from several different companies. It saves time, requires much less work on your part, and makes online shopping much more enjoyable and efficient. Immediately after you send the form, it is rated and you can select any or none of the price quotes you receive.

If a lower price is quoted, you simply finish the application and buy the new coverage. It just takes a couple of minutes and you will find out if you’re overpaying now.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you complete the form with your coverages exactly as shown on your declarations page. This makes sure you will receive a price comparison based on the exact same insurance coverage.

Pay less for 1999 Buick Regal insurance

Car insurance can cost a lot, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply at quote time, but some must be specifically requested prior to receiving the credit. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less for Regal coverage than their less cautious counterparts.
  • Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Accident Waiver – Some insurance companies will forgive one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Clubs and Organizations – Affiliation with certain professional organizations could qualify you for a break when buying car insurance for Regal coverage.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

Car insurance companies that may offer these benefits are:

Before buying, ask every prospective company what discounts are available to you. Some discounts might not apply in your area.

Tailor your coverage to you

When buying adequate coverage, there is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • Is my camper covered by my car insurance policy?
  • Are my friends covered when driving my 1999 Buick Regal?
  • Do I need more liability coverage?
  • Should I have combined single limit or split liability limits?
  • Does my 1999 Buick Regal need full coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • What is covered by UM/UIM coverage?
  • When should my teen driver be added to my policy?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average car insurance policy.

Collision coverage – This will pay to fix damage to your Regal caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, crashing into a ditch, driving through your garage door, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability – This provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t 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 liability limits of 100/300/100 which stand for $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. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, funeral expenses, medical services, loss of income and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Med pay and PIP coverage provide coverage for bills for things like rehabilitation expenses, doctor visits and funeral costs. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible