Cheaper 2011 Buick Regal Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 5, 2024

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Have you had enough of not being able to afford to pay your car insurance bill each month? You are no different than millions of other people. People have so many insurance companies to pick from, and although it’s nice to be able to choose, too many choices makes it more difficult to adequately compare rates.

Compare free insurance price quotes

All the larger insurance companies like State Farm, GEICO and Progressive allow you to get pricing direct online. Doing online quotes is possible for anyone as you just enter your personal and coverage information into the quote form. Once you submit the form, their rating system automatically retrieves reports for credit and driving violations and generates a price based on the information you submitted. This helps simplify price comparisons, but the work required to visit each company’s website and repetitively type in the same data is monotonous and tiresome. Unfortunately, it is important to do this if you want to get the best price on insurance.

A more efficient way to find cheaper rates uses one simple form to get prices from more than one company. The form is fast, requires much less work on your part, and makes online price comparison much more efficient. Once the form is submitted, it is quoted and you can choose any or none of the quotes returned.

If the quotes result in lower rates, you can click and sign and buy the new coverage. The whole process can be completed in less than 10 minutes and may result in a nice savings.

To save time and find out if lower rates are available, simply enter your zip code here and complete the simple form. If you have your current policy handy, we recommend you duplicate deductibles and limits identical to your current policy. This ensures you will get a rate comparison using the same coverage and limits.

Insurance coverage discounts are available to slash your rates

Properly insuring your vehicles can get expensive, but you may be missing some discounts to help offset the cost. Some discounts will apply when you purchase, but some must be specifically requested before being credited.

  • Good Driver Discount – Safe drivers can save up to 40% or more on their car insurance quote on Regal insurance than drivers with accidents.
  • Discount for Multiple Policies – If you can combine your home and auto policy with the same company you will save at least 10% off all policies.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Accident Forgiveness Coverage – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident before your rates go up if you have no claims before the accident.
  • Multiple Cars – Buying coverage for multiple vehicles with the same company can get a discount for every vehicle.
  • Anti-theft System – Vehicles optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a car insurance quote.
  • Memberships – Affiliation with certain professional organizations could trigger savings when shopping for insurance coverage.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Save over 55 – Drivers over the age of 55 may receive a small decrease in premiums on Regal insurance.

Don’t be shocked that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you aren’t that lucky. Any qualifying discounts should help reduce your policy premiums.

Insurance companies who may offer most of the discounts above include:

  • Progressive
  • MetLife
  • Mercury Insurance
  • Nationwide
  • GEICO
  • AAA

If you want inexpensive car insurance quotes, ask each insurance company what discounts are available to you. Savings may not apply to policies in your area. If you would like to choose from a list of insurance companies that offer discounts, enter your zip code here.

Eight tips to get more affordable insurance premiums

Many different elements are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but other factors are more obscure like where you live or how financially stable you are.

  • Vehicles with better crash test results cost less to insure – Vehicles with good safety scores tend to be cheaper to insure. These vehicles reduce the chance of injuries and any reduction in injury severity means your insurance company pays less and cheaper rates on your policy. If your Buick Regal earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Traffic violations drive up prices – Having a clean driving record impacts premiums far more than you think. Even a single speeding ticket or other violation can bump up the cost by as much as twenty percent. Attentive drivers get better rates compared to bad drivers. Drivers with careless citations such as DUI, reckless driving or excessive speeding may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Commute or pleasure use – Driving a lot of miles every year the higher the price you pay to insure it. Most insurance companies charge rates based on their usage. Vehicles that do not get driven very much qualify for better rates than vehicles that have high annual mileage. Ask your agent if your vehicle rating states the correct driver usage. Having the wrong rating on your Regal may be wasting your money.
  • Younger drivers pay higher premiums – Mature drivers are proven to be safer behind the wheel, file fewer claims , and usually have better credit. Teen drivers are statistically proven to be inattentive when driving with friends therefore insurance rates are much higher.
  • Marriage is a good thing – Walking down the aisle may earn you lower rates on your insurance policy. It may mean you are more mature than a single person and statistics prove being married results in fewer claims.
  • Policy lapses lead to higher insurance rates – Having an insurance coverage lapse is a quick way to increase your renewal premiums. And not only will your rates increase, getting caught without coverage may result in fines or a revoked license.
  • GPS tracking and theft deterrents reduce premiums – Choosing to buy a car with a theft deterrent system can get you a discount on your insurance. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft and help lower rates.
  • Reserve policy claims for larger damages – If you are the type of insured that files lots of claims don’t be surprised to see higher premiums or even policy non-renewal. Companies give cheaper rates to people who are not frequent claim filers. Your insurance policy is meant to be used in the event of more catestrophic claims.

Everyone needs different auto insurance coverages

When choosing the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions can help discover if you will benefit from professional help.

  • What companies insure drivers after a DUI or DWI?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered when driving on a suspended license?
  • How much liability insurance is required?
  • Are my friends covered when driving my car?
  • Does insurance cover tools stolen from my truck?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It only takes a few minutes and may give you better protection.

Big names are not always cheapest

Drivers can’t get away from all the ads that claim the best prices from companies such as State Farm, GEICO and Progressive. They all seem to say the same thing about saving some big amount just by switching your auto insurance policy to them.

How does each company say the same thing? This is how they do it.

Companies have underwriting criteria for the type of driver that earns them the most money. For example, a desirable insured should be a married male, has a clean driving record, and drives less than 7,500 miles a year. A prospective insured that matches those criteria gets the lowest premium rates and have a good chance to save when switching.

Insureds who do not meet these criteria will see a higher rate and this can result in the customer not buying. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” can save as much as they claim. This is how companies can make those statements.

This emphasizes why drivers should do a rate comparison at every renewal. Because you never know the company that will give you lower rates than your current company.

Car insurance coverages for a 2011 Buick Regal

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types offered by auto insurance companies.

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Buick Regal.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are similar to your liability insurance amounts.

Auto liability insurance

Liability insurance will cover damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, loss of income and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

This will pay to fix 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 can pay for claims such as damage from flooding, fire damage, a broken windshield, rock chips in glass and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses such as nursing services, EMT expenses, doctor visits and X-ray expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, backing into a parked car, damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Final thoughts

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. Too many times, someone dropped comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage for the lowest cost, not the least amount of coverage.

Cheap 2011 Buick Regal insurance is available on the web and from local agencies, and you should compare rates from both to get a complete price analysis. Some car insurance companies may not have online rate quotes and usually these small insurance companies provide coverage only through independent agencies.

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