Compare 2018 Buick Regal Car Insurance Quotes 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 finally had enough of not being able to scrape enough together to pay high car insurance rates every month? You have the same problem as millions of other vehicle owners.

Many insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer and get the best coverage at the lowest price

Smart consumers take time to price shop coverage every six months because car insurance prices tend to go up over time. Even if you got the lowest rate for Regal insurance on your last policy you can probably find a better premium rate now. Forget all the misinformation about car insurance because you’re about to find out the fastest and easiest way to lower your rates without sacrificing coverage.

More discounts mean cheap premiums

Buying insurance is not cheap, but there could be available discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be specially asked for prior to receiving the credit.

  • Senior Citizen Discount – If you’re over the age of 55, you may qualify for better insurance rates for Regal insurance.
  • Telematics Devices – People who choose to allow their insurance company to monitor when and where they use their vehicle by using a telematics device like Allstate’s Drivewise may see discounts if they have good driving habits.
  • Professional Memberships – Participating in specific professional or occupational memberships or organizations may earn a discount on your bill.
  • Theft Deterrent Discount – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Discount for Home Ownership – Just owning your own home may trigger a policy discount on insurance because owning a home shows financial diligence.
  • Multiple Cars – Buying insurance for multiple cars with one company qualifies for this discount.
  • Military Rewards – Having a family member in the military may lower your rates slightly.
  • Driver’s Education for Students – Cut your cost by having your teen driver participate in a local driver’s education class if it’s offered in school.
  • Government Employee Discount – Having worked for a branch of the government can save as much as 8% for Regal insurance with select insurance companies.
  • ABS Brakes – Vehicles with ABS and/or traction control are safer to drive so companies give up to a 10% discount.

A quick disclaimer, some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

Some companies that may offer most of these discounts are:

  • Mercury Insurance
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • Allstate
  • GEICO

If you are trying to find low cost auto insurance quotes, ask every prospective company how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in your area. To find insurance companies that offer some of these discounts, enter your zip code here.

Choices you make can impact your insurance prices

When buying insurance coverage it’s important to understand the factors that aid in calculating insurance coverage rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that may result in lower premium levels. Lots of factors are part of the equation when quoting car insurance. Some are pretty understandable like a motor vehicle report, but some are more obscure like your continuous coverage or how financially stable you are.

  • Low credit rating equals high rates – Having a bad credit rating can be a huge factor in your rate calculation. Insureds that have high credit ratings tend to be less risk to insure than drivers with poor credit scores. If your credit history is not that good, you could save money insuring your 2018 Buick Regal by spending a little time repairing your credit.
  • Only buy what you need – There are quite a few optional add-on coverages that you can get tricked into buying when buying insurance coverage. Coverages for vanishing deductibles, accidental death, and term life insurance are some examples. You may think they are a good idea at first, but your money might be better spent on other coverage so remove them from your policy.
  • Driving citations cost more than a fine – A bad driving record has a lot to do with how much you pay for insurance. Even a single driving citation may cause rates to rise to the point where it’s not affordable. Drivers with clean records get better rates as compared to careless drivers. Drivers who have gotten flagrant violations such as reckless driving or DUI may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • High physical damage deductibles equal low rates – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if a claim is determined to be covered. Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, hail damage, or theft of your vehicle. The more of the claim you’re willing to pay, the bigger discount you will receive for Regal insurance.
  • Drive less and pay lower prices – The higher the miles on your Buick annually the higher your rates will be. Most insurance companies charge rates based upon how you use the vehicle. Autos that sit idle most of the time can get a lower rate than vehicles that are driven to work every day. Double check that your vehicle rating shows the correct usage. Incorrect rating for your Regal is just wasting money.

It’s not one size fits all

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • Does my policy cover my teen driver if they drive my company car?
  • Is upholstery damage covered by car insurance?
  • What can I do if my company denied a claim?
  • Is other people’s property covered if stolen from my vehicle?
  • Why am I required to buy liability insurance?
  • Why is insurance for a teen driver so high?

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. If you want to speak to an agent in your area, simply complete your zip code.

Specific coverages for a Buick Regal

Learning about specific coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, fire damage, vandalism, damage from a tornado or hurricane and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage provides protection from damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees, bail bonds, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage

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

Collision coverage pays for claims like hitting a parking meter, driving through your garage door, hitting a mailbox, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills such as chiropractic care, dental work, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

You can do this!

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In many instances, an insured cut collision coverage only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best cost while still protecting your assets.

Some companies may not have internet price quotes smaller companies provide coverage only through independent insurance agents. More affordable insurance is available online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis.

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