2017 Buick Regal Insurance Rates in 2024 – 10 Discounts for Cheapest Quotes
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UPDATED: May 5, 2024
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Buyers have a choice when searching for the lowest priced Buick Regal insurance. You can either waste hours driving around to get rate comparisons or use the internet to get rate quotes.
There is a better way to shop for car insurance so we’re going to tell you the absolute fastest way to compare rates for a Buick and find the cheapest rates from local insurance agents and online providers.
Insurance coverage companies offer many types of discounts
Some providers don’t always publicize all discounts very well, so the following is a list of both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.
- No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on car insurance quote in comparison with accident-prone drivers.
- Discounts for Good Drivers – Safe drivers can save up to 40% or more on their car insurance quote on Regal insurance than drivers with accident claims.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
- Air Bag Discount – Options like air bags or motorized seat belts may earn rate discounts up to 30%.
- Defensive Driver Discount – Successfully completing a driver safety course can save you 5% or more if your company offers it.
- Membership in Organizations – Having an affiliation with a civic or occupational organization is a simple method to lower premiums on your bill.
- Senior Citizens – Drivers over the age of 55 could receive better insurance coverage rates on Regal insurance.
- Military Discounts – Being on active deployment in the military can result in better prices.
- Buy New and Save – Putting insurance coverage coverage on a new car can be considerably cheaper due to better safety requirements for new vehicles.
- Student Discount for Driver Training – Have your child complete a driver education course in high school.
A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride. But any discount should help reduce your policy premiums.
Popular insurance coverage companies and their possible discounts are shown below.
- AAA may offer discounts for AAA membership discount, multi-policy, anti-theft, good driver, multi-car, good student, and education and occupation.
- Progressive may have discounts that include multi-policy, online quote discount, online signing, continuous coverage, multi-vehicle, good student, and homeowner.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, accident-free, student away at school, good student, and multiple policy.
- Esurance has discounts for good driver, online shopper, anti-theft, defensive driver, claim free, and multi-car.
- Nationwide offers discounts including anti-theft, easy pay, multi-policy, family plan, and business or organization.
Before buying, ask every company what discounts are available to you. A few discounts might not apply in your area.
Insurance companies are expert advertisers
Consumers can’t ignore all the ads for cheaper insurance by State Farm, GEICO and Progressive. They all seem to say the same thing about saving some big amount if you change to them.
How is it possible that every company can sell you cheaper insurance coverage? It’s all in the words they use.
Different companies are able to cherry pick for the type of driver that will add to their bottom line. For instance, a profitable insured could possibly be over the age of 45, has other policies, and drives a vehicle with a low ISO rating. Any customer who fits those characteristics will probably get cheap car insurance rates and is almost guaranteed to save when they switch companies.
Potential customers who don’t meet these stringent criteria will probably be forced to pay higher rates and ends up with the customer buying from someone else. Company advertisements say “people that switch” not “everyone who quotes” save that much when switching. That is how companies can truthfully make those statements.
This emphasizes why you really need to compare as many free car insurance quotes as you can. It’s just not possible to know with any certainty which company will provide you with the cheapest car insurance rates.
Do I just need basic coverages?
When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For example, these questions might point out if your insurance needs could use an agent’s help.
- Do I have coverage for damage caused while driving under the influence?
- Am I missing any policy discounts?
- Can I rate high risk drivers on liability-only vehicles?
- What is an SR-22 filing?
- If my 2017 Buick Regal is totaled, can I afford another vehicle?
- Is my camper covered by my car insurance policy?
- What is the minimum liability in my state?
- Am I covered when driving someone else’s vehicle?
- Am I covered if I wreck a rental car?
If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, free and you can get the answers you need.
Auto insurance coverage basics
Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these limits are similar to your liability insurance amounts.
Medical costs insurance – Med pay and PIP coverage kick in for bills for things like X-ray expenses, chiropractic care, doctor visits and nursing services. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like a tree branch falling on your vehicle, vandalism, rock chips in glass, theft and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for liability – This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as bail bonds, medical services, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.
Collision coverages – Collision coverage pays for damage to your Regal resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.
Save your hard earned cash
Drivers switch companies for many reasons like questionable increases in premium, denial of a claim, delays in responding to claim requests and unfair underwriting practices. Regardless of your reason, finding a great new company is not as hard as you think.
We just showed you many ideas to lower your 2017 Buick Regal insurance car insurance rates. The key concept to understand is the more times you quote, the better chance you’ll have of finding the cheapest car insurance. Drivers may discover the best car insurance rates are with some of the smallest insurance companies.
When trying to cut insurance costs, never sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice collision coverage only to regret at claim time they didn’t have enough coverage. Your goal should be to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.
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