Cheap 2014 Buick Regal Insurance Rates in 2024

Are you burned out from scraping nickels together to pay insurance coverage each month? You’re in the same situation as many other drivers. Due to the increasing number of insurance companies to choose from, it can be difficult for people to choose the lowest cost insurance coverage company.

This article will teach you the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Drivers just need to understand the most effective way to compare company rates online.

Learn how to find insurance more affordably

Smart consumers have a good feel for the different types of things that play a part in calculating your premiums. When you understand what influences your rates, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

Listed below are a partial list of the pieces used by companies to determine your rate level.

• Low stress employer equals lower prices – Did you know that where you work can have an impact on rates? Occupations like doctors, air traffic controllers and accountants have higher premium rates in part from job stress and long work days. On the other hand, occupations like farmers, engineers and retirees pay the least on Regal coverage.
• Men pay more for insurance – The statistics show women are more cautious behind the wheel. This data doesn’t prove that females are better drivers. Females and males have accidents in similar percentages, but males tend to have more serious accidents. Men also statistically get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high insurance rates.
• High deductibles lower prices – Physical damage deductibles define the amount you are willing to pay if the claim is covered. Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of claims that would be covered are a windshield broken by a bird, hail damage, or theft of your vehicle. The more the insured is willing to pay, the less your company will charge you for insurance on Regal coverage.
• Additional coverages that may be costing you – Insurance companies have many extra bells and whistles that can add up if you aren’t careful. Things like personal injury protection, accidental death, and motor club memberships are probably not needed. They may seem like a good idea when deciding what coverages you need, but if you don’t need them eliminate the coverages to reduce your premium.
• Infrequent drivers can save – The more you drive your Buick in a year’s time the more you’ll pay to insure it. A lot of insurance companies calculate rates determined by how the vehicle is used. Cars that are left in the garage qualify for better rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Regal can result in significantly higher rates. It’s a smart idea to ensure your insurance coverage states the correct usage for each vehicle, because improper ratings can cost you money.
• Stay claim-free and save – Insurance companies provide better rates to people who do not file claims often. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Don’t get traffic citations – Whether or not you get tickets influences premium rates substantially. Just one chargeable violation can bump up the cost by as much as thirty percent. Good drivers receive lower rates than people who have multiple driving citations. Drivers who have severe tickets such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
• Where you live – Choosing to live in areas with lower population has definite advantages when shopping for auto insurance. Urban drivers have to deal with more auto accidents and more severe claims. Lower population means less chance of accidents and lower theft and vandalism rates.

Affordable auto insurance

There are several ways you can shop for auto insurance but some are easier and takes less work. You can spend your afternoon talking to agents in your area, or you could use the internet to get pricing more quickly.

Most of the best insurance companies belong to a marketplace that enables customers to enter their coverage request one time, and each participating company can give them a price. This system prevents you from having to do quotation requests for every auto insurance company. To compare pricing enter your zip code here.

The one disadvantage to doing it this way is you are unable to specify the companies to get pricing from. So if you want to choose individual companies to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. Click to enter zip code.

Whichever way you choose to compare rates, double check that you are using identical deductibles and coverage limits on every price quote you get. If you are comparing unequal deductibles or liability limits it will be impossible to determine which company has the best rates.

Car insurance advertising gotchas

Consumers constantly see and hear ads that claim the lowest auto insurance rates from the likes of State Farm, GEICO and Progressive. All the companies make the point that drivers can save some big amount just by moving your coverage.

How does each company offer you a better deal? You have to listen carefully.

All companies require specific criteria for the driver that is profitable for them. One example of a profitable insured may need to be a married female, has never had a claim, and chooses high deductibles. A prospective insured who matches those parameters will get a cheap rate quote and is almost guaranteed to save when switching.

Potential insureds who do not fit this stringent profile will have to pay a higher premium which leads to business going elsewhere. If you pay close attention to the ads, they say “drivers who switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can lure you into getting a quote.

Because of this risk profiling, it’s extremely important to get insurance quotes from several different companies. You cannot predict which car insurance company will have the lowest rate quotes.

Lower-cost car insurance rates with discounts

Companies don’t list their entire list of discounts very clearly, so the following is a list of a few of the more well known and also the lesser-known savings tricks you should be using when you buy insurance online.

• Professional Memberships – Having an affiliation with a qualifying organization could trigger savings on your policy.
• Student Discounts – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount until age 25.
• Homeowners Pay Less – Owning a house can help you save on car insurance because it requires personal responsibility.
• Cautious Drivers – Insureds without accidents can pay as much as 50% less on Regal coverage compared to accident prone drivers.
• Save with a New Car – Insuring a new car can cost up to 25% less because new vehicles are generally safer.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

If you would like to see a list of companies with significant discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there really is not a one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions might help in determining if you will benefit from professional help.

• Should I get collision insurance on every vehicle?
• Is my teen driver covered when they drive my company car?
• Do I need higher collision deductibles?
• Do I need replacement cost coverage?
• Do I have coverage if my license is suspended?
• Can I still get insurance after a DUI?
• Do I have any recourse if my insurance company denies a claim?
• Can I rent a car in Mexico?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete your zip code. It only takes a few minutes and can help protect your family.

Detailed coverages of your auto insurance policy

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.

Liability car insurance

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have 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 $50,000 of coverage for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your Regal resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for rehabilitation expenses, nursing services and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Buick Regal.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liability limits.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, rock chips in glass, damage from getting keyed and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

And the best car insurance company is…

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. Your focus should be to buy enough coverage at the best price, but don’t skip important coverages to save money.

We’ve covered some good ideas how you can lower your 2014 Buick Regal insurance rates. The key concept to understand is the more price quotes you have, the higher your chance of finding affordable insurance. Consumers could even find that the lowest rates come from a small mutual company. Regional companies may only write in your state and offer lower car insurance rates compared to the large companies like GEICO and State Farm.