2003 Buick Regal Insurance Rates – 9 Tips for Cheaper Quotes

Trying to find lower auto insurance rates for your Buick Regal? Are you a victim of overpriced auto insurance? Believe me, many consumers feel financially strained by their auto insurance policy.

With consumers having so many insurance companies to choose from, it’s nearly impossible to choose the cheapest car insurance company.

The purpose of this article is to instruct you on the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Although consumers can benefit from knowing how the larger insurance companies price online insurance and apply this information to your search.

The quickest method to compare car insurance rates is to take advantage of the fact all the major auto insurance companies allow for online access to give free rates quotes. The only thing you need to do is give them rating details like how many miles driven, driver ages, how your vehicles are used, and the type of vehicles you drive. Your information is sent automatically to many highly-rated insurers and they return cost estimate instantly to find the best rate.

To compare rates now, click here and find out if lower rates are available.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but companies offer discounts to help bring down the price. Some discounts apply automatically at the time of quoting, but some must be requested specifically prior to receiving the credit.

  • Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates on insurance on Regal insurance.
  • Discount for New Cars – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • No Claims – Drivers who don’t have accidents pay much less when compared with frequent claim filers.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Regal insurance than less cautious drivers.
  • Homeowners Savings – Owning a house can help you save on insurance because owning a home demonstrates responsibility.
  • Distant Student – Youth drivers who live away from home and do not have a car can receive lower rates.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you won’t be that lucky. But any discount will help reduce your premiums.

Companies who might offer these discounts may include but are not limited to:

Check with each insurance company what discounts are available to you. Discounts may not apply in your state.

How do I know if I need professional advice?

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions could help you determine if your insurance needs may require specific advice.

  • Does my car insurance cover rental cars?
  • How much liability coverage do I need in my state?
  • How can I find cheaper teen driver insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when driving someone else’s vehicle?
  • Where can I get insurance after a DUI in my state?
  • Can I drive in Mexico and have coverage?
  • Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverages for a Buick Regal

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages offered by car insurance companies.

Auto liability

This protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as funeral expenses, attorney fees, loss of income and court costs. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as nursing services, dental work, rehabilitation expenses and EMT expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays for damage to your Regal resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a ditch, hitting a parking meter, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Regal.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits do not exceed the liability coverage limits.

Comprehensive coverages

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

Comprehensive insurance covers claims like damage from a tornado or hurricane, hitting a bird, hail damage and hitting a deer. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Don’t break the bank

Cost effective 2003 Buick Regal insurance can be sourced online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, never buy less coverage just to save a little money. There have been many cases where someone dropped full coverage only to discover later that it was a big error on their part. The aim is to purchase a proper amount of coverage at the best price while still protecting your assets.

To learn more, feel free to visit the resources below: