Trying to find lower insurance rates? Buyers have many options when searching for affordable Buick Regal insurance. They can either waste time struggling with agents getting price quotes or utilize the internet to get rate quotes.
There are more efficient ways to buy insurance so we’re going to tell you the best way to compare rates for a Buick and obtain the best price possible from both online companies and local agents.
There are multiple methods to compare 2013 Buick Regal insurance coverage prices but there is one way that is easier and takes less work. You could waste a few hours talking to insurance companies in your area, or you could save time and use online quotes to achieve your goal.
The majority of car insurance companies participate in a marketplace that enables customers to submit their information once, and each company returns a competitive quote. This system prevents you from having to do quote requests to each individual insurance coverage company.
To submit your quote information now, click here to open in new window.
The single downside to getting quotes like this is you don’t know exactly which carriers you want to price. If you prefer to choose from a list of companies to compare rates, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.
Whichever way you use, be sure to compare apples-to-apples coverage information on every quote. If you compare higher or lower deductibles it’s impossible to make an equal comparison.
Properly insuring your vehicles can get expensive, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically when you quote, but a few must be specifically requested in order for you to get them. If they aren’t giving you every credit possible, you’re paying more than you need to.
Drivers should understand that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.
Companies that possibly offer these discounts are:
It’s a good idea to ask each insurance company how you can save money. Some discounts may not be available in your area.
When choosing coverage, there really is no one size fits all plan. Everyone’s situation is unique.
Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.
Understanding the coverages of car insurance helps when choosing the right coverages for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.
Comprehensive or Other Than Collision
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as hitting a bird, hitting a deer and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability 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. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things such as loss of income, pain and suffering and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.
Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.
Collision coverage protection
This coverage pays for damage to your Regal from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as sideswiping another vehicle, damaging your car on a curb, crashing into a building, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as surgery, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay