9 Discounts Drivers Forget when Buying Insurance Online for a Buick Regal

Shoppers have lots of choices when shopping for the best price on Buick Regal insurance. You can either waste hours contacting agents getting price quotes or save time using the internet to get rate quotes. There are more efficient ways to buy car insurance and we’ll show you the quickest way to compare rates for a Buick and locate the cheapest rates from both online companies and local agents.

Finding affordable coverage is not that difficult. If you currently have car insurance, you stand a good chance to be able to save some money using this information. Although car owners must understand how big insurance companies price insurance differently and apply this information to your search.

Where can I get affordable car insurance?

There are several ways to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You can spend countless hours talking about coverages with local insurance agents in your area, or you could use online quotes to maximize your effort.

Most major companies take part in a program that enables customers to only type in their quote data once, and each company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions to every company.

To access this free quoting program, click here to open in new window.

The one downside to comparing rates this way is you are unable to specify which companies to get pricing from. So if you prefer to choose specific insurance companies to compare, we have assembled a list of companies who write car insurance in your area. Click here to view list.

Which method you use is up to you, but ensure you’re using the exact same quote information with each company. If each company quotes different coverage information you will not be able to truly determine the lowest rate. Quoting even small variations in insurance coverages or limits could mean much higher rates. And when comparing car insurance rates, know that comparing a wide range of rates helps increase your odds of locating a better price.

But the ad said I’d save 15% in 15 minutes!

Respected companies like GEICO, State Farm and Progressive endlessly run ads on television and other media. All the companies seem to make the promise that people will save if you switch your coverage to them. How do they all offer you a better deal? Just pay attention to how they say it.

All companies have specific criteria for the type of driver that will not have excessive claims. An example of this type of driver might be described as over age 30, has no claims, and does not commute to work. Any new insured who matches those parameters will get very good prices and will most likely save some money.

Potential insureds who cannot meet those criteria may be required to pay a more expensive rate which usually ends up with business going elsewhere. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” save that much. That’s the way companies can make those statements. Different companies use different criteria so you should do a quote comparison often. Because you cannot predict with any certainty which company will fit you best based on your risk profile.

Find discounts to get cheap car insurance quotes

Some insurance providers don’t always publicize their entire list of discounts very clearly, so the below list has both well-publicized as well as the least known credits available to lower your premiums when you . If you are not receiving all the discounts available, you are paying more than you should be.

• Discounts for Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save up to 15% on medical payment and PIP coverage.
• Resident Student – College-age children who live away from home to go to college and do not have a car could qualify for this discount.
• Service Members Pay Less – Having an actively deployed family member could mean lower car insurance rates.
• Accident Waiver – but certain companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
• Discount for Low Mileage – Low annual miles could earn better prices on cars that stay parked.
• Claim-Free Discount – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
• E-sign – Some of the larger companies provide a small discount for buying your policy on their website.
• Discounts for New Vehicles – Insuring a vehicle that is new can be considerably cheaper because newer models keep occupants safer.
• Good Grades Discount – This discount may save you up to 25%. This discount can apply up until you turn 25.

You can save money using discounts, but most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, it’s just not the way it works. But any discount should help lower your premiums.

Popular car insurance companies and some of the premium reductions they offer can be read below.

• 21st Century discounts include defensive driver, 55 and older, anti-lock brakes, theft prevention, student driver, good student, and early bird.
• State Farm may offer discounts for anti-theft, multiple policy, safe vehicle, accident-free, and good driver.
• AAA policyholders can earn discounts including multi-policy, multi-car, good student, good driver, anti-theft, and AAA membership discount.
• Liberty Mutual may have discounts that include newly retired, hybrid vehicle, newly married, new vehicle discount, safety features, and teen driver discount.
• Progressive includes discounts for continuous coverage, multi-policy, multi-vehicle, homeowner, online quote discount, online signing, and good student.

Before buying, ask each company how many discounts you can get. All car insurance discounts might not be offered in your area.

Coverages available on your policy

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Auto liability

This protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like bail bonds, repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for X-ray expenses, nursing services, pain medications and EMT expenses. They can be used in conjunction with a 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 if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Buick Regal.

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 should not be overlooked.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, fire damage, hitting a deer and hail damage. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Cheaper car insurance is a realistic goal

You just learned a lot of information how to reduce Buick Regal insurance rates online. The key concept to understand is the more quotes you get, the higher your chance of finding . Consumers could even find that the biggest savings come from a lesser-known regional company.

Consumers who switch companies do it for many reasons like unfair underwriting practices, not issuing a premium refund, lack of trust in their agent and poor customer service. It doesn’t matter why you want to switch switching companies is less work than it seems.

Cost effective Buick Regal insurance is definitely available both online and from local insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not have rates over the internet and most of the time these small insurance companies sell through independent insurance agencies.