2012 Buick Regal Car Insurance Quotes in 2024 – 10 Tricks for Cheapest Rates

Shoppers have many options when shopping for the best price on Buick Regal insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to compare rates.

There is a better way to shop for car insurance and we’ll show you the absolute fastest way to quote coverages on a Buick and obtain the cheapest rates from local insurance agents and online providers.

More discounts mean affordable premiums

Some companies do not list all discounts in a way that’s easy to find, so we break down both well-publicized and also the lesser-known credits available to lower your premiums when you buy car insurance online.

• Passive Restraints and Air Bags – Factory options such as air bags may get savings up to 30%.
• Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Regal insurance but check with your company.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
• Student Discounts – This discount may save as much as 25% on a car insurance quote. Most companies allow this discount up to age 25.
• Anti-lock Brake System – Cars with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
• Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the PIP or medical payment premium.
• Save with a New Car – Putting insurance on a new car can be considerably cheaper compared to insuring an older model.
• Telematics Data – Drivers who agree to allow their car insurance company to look at their driving habits by using a telematics device such as State Farm’s In-Drive could save a few bucks as long as the data is positive.
• Online Discount – Certain car insurance companies will give you a small discount for buying your policy digitally online.
• Fewer Miles Equal More Savings – Fewer annual miles on your Buick may enable drivers to earn cheaper rates.

Policy discounts save money, but some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride.

A list of companies and their offered discounts are detailed below.

• State Farm includes discounts for anti-theft, good driver, Steer Clear safe driver discount, good student, defensive driving training, student away at school, and passive restraint.
• American Family has savings for good driver, accident-free, mySafetyValet, bundled insurance, and good student.
• AAA may have discounts that include AAA membership discount, good student, multi-policy, multi-car, and pay-in-full.
• GEICO policyholders can earn discounts including air bags, multi-policy, defensive driver, driver training, five-year accident-free, membership and employees, and federal employee.
• Mercury Insurance offers discounts for multi-car, ease of repair, good student, multi-policy, anti-theft, and type of vehicle.
• Farmers Insurance may include discounts for homeowner, switch companies, early shopping, multi-car, and electronic funds transfer.
• Progressive offers premium reductions for online quote discount, online signing, multi-policy, multi-vehicle, good student, and homeowner.

If you are trying to find cheap car insurance quotes, ask every prospective company what discounts are available to you. Discounts may not be offered in your state. If you would like to choose from a list of companies who offer cheap car insurance quotes, enter your zip code here.

It’s not one size fits all

When choosing adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions may help highlight if you might need professional guidance.

• Can I afford to pay high deductible claims out of pocket?
• Am I covered if my car is in a flood?
• Is my 2012 Buick Regal covered for flood damage?
• Should I buy full coverage?
• Are rock chip repairs covered?
• Do I have coverage when making deliveries for my home business?
• Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out your zip code. It’s fast, free and you can get the answers you need.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these limits are set the same as your liability limits.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things like repair costs for stationary objects, court costs and medical services. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, crashing into a building, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like funeral costs, surgery and chiropractic care. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, damage from getting keyed, rock chips in glass and vandalism. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Saving money makes a lot of cents

In this article, we presented many ideas to save on 2012 Buick Regal insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding inexpensive car insurance. Consumers could even find that the lowest priced insurance coverage comes from a lesser-known regional company.

When searching for low cost car insurance quotes, don’t be tempted to skimp on coverage in order to save money. In too many instances, someone dropped uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The aim is to find the BEST coverage for the lowest cost, but do not skimp to save money.

Cheaper insurance coverage can be bought online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer internet price quotes and these regional carriers provide coverage only through independent agents.