Comparing auto insurance rates online can be a challenge if you’ve never compared online quoting. But don’t let that discourage you because online price shopping is actually quite simple.
It’s a good habit to compare prices quite often because rates are usually higher with each renewal. If you had the lowest price for Regal insurance a couple years back you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the quickest way to find the best coverage while lowering your premiums.
Companies don’t necessarily list every discount very clearly, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving.
It’s important to note that most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way.
For a list of companies with the best insurance discounts, click here.
The quickest method we recommend to compare car insurance company rates is to know auto insurance companies participate in a system to quote your coverage. To start a quote, the only thing you need to do is provide a small amount of information like if you have an active license, the type of vehicles you drive, your general credit rating, and how much education you have. That rating information is then sent to insurance companies and they respond with quotes within a short period of time.
To start a rate quote now, click here and find out if lower rates are available.
When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.
For instance, these questions may help you determine if you will benefit from professional help.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.
Knowing the specifics of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Buick Regal.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Collision – Collision insurance covers damage to your Regal from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against claims such as sideswiping another vehicle, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Comprehensive car insurance – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hail damage, hitting a bird and a broken windshield. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses such as dental work, rehabilitation expenses, hospital visits, doctor visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Liability – This can cover injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims such as legal defense fees, court costs, pain and suffering and loss of income. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.
Lower-priced 2000 Buick Regal insurance can be found from both online companies in addition to many insurance agents, so you should compare both to get a complete price analysis. Some companies do not provide online quoting and these small, regional companies work with independent agents.
When you buy insurance online, never buy less coverage just to save a little money. In too many instances, an accident victim reduced physical damage coverage only to find out that it was a big mistake. Your aim should be to get the best coverage possible at the best price while still protecting your assets.
You just read quite a bit of information on how to get a better price on insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with some of the smallest insurance companies.
Even more information can be read by following these links: