Cheapest 1997 Buick Regal Insurance Rates in 2023
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UPDATED: Sep 2, 2022
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Searching for the cheapest insurance for a Buick Regal can be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates. There are both good and bad ways to find insurance coverage online so we’re going to tell you the absolute fastest way to price shop coverage for your Buick and get the best price possible either online or from local insurance agents.
It’s a good habit to compare rates at least once a year because prices change quite often. Even if you got the lowest price on Regal coverage a few years ago there is a good chance you can find better rates now. So just block out anything you think you know about insurance coverage because you’re about to learn how to use the internet to properly buy coverages and cut your premium.
How to Get Cheap Car Insurance
Finding cheaper 1997 Buick Regal car insurance prices is not rocket science. Drivers just need to spend a few minutes comparing price quotes from different insurance companies. This can be done using a couple different methods.
Probably the best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form eliminates the need for repetitive form entry for every car insurance company. One simple form will return price quotes direct from many companies. This is perfect if you don’t have a lot of time.
A more difficult way to shop for car insurance online is spending the time to visit each company website to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare State Farm, Farmers and GEICO. To get each rate you have to go to every website to input your insurance information, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
Whichever method you choose, ensure you are comparing identical coverages and limits for every quote you compare. If you are comparing different values for each quote you will not be able to determine which rate is truly the best.
Discounts are available to cut your rates
Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so here is a list both well-publicized and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
- Homeowners Pay Less – Being a homeowner may trigger a auto insurance policy discount because owning a home demonstrates responsibility.
- Distant Student – Children who live away from home without a vehicle on campus may be able to be covered for less.
- 55 and Retired – Mature drivers may receive reduced rates on Regal coverage.
- Club Memberships – Affiliation with a civic or occupational organization could qualify you for a break when shopping for auto insurance on Regal coverage.
- Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Regal coverage than drivers with accidents.
Consumers should know that many deductions do not apply the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.
Car insurance companies that may offer these money-saving discounts include:
Before buying, ask each insurance company which discounts you may be entitled to. Some discounts might not apply everywhere.
Everyone needs different coverages
When it comes to buying coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.
These are some specific questions might point out if you might need professional guidance.
- How do I buy GAP insurance?
- Is extra glass coverage worth it?
- When should my teen driver be added to my policy?
- Is my 1997 Buick Regal covered for smoke damage?
- Should I buy only the required minimum liability coverage?
- Is my state a no-fault state?
- Does my insurance cover a custom paint job?
- Should I file a claim if it’s only slightly more than my deductible?
- Why do I need rental car insurance?
- How much liability coverage do I need in my state?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.
Auto insurance coverage information
Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.
Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a deer and theft. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Buick Regal.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.
Auto liability insurance – This provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against claims like emergency aid, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Coverage for medical expenses – Med pay and PIP coverage pay for bills for pain medications, hospital visits, chiropractic care, ambulance fees and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible
Collision – This coverage will pay to fix damage to your Regal caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like sustaining damage from a pot hole, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
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