2018 Buick Regal TourX Insurance Cost in 2024 – 10 Policy Discounts

Enter your zip code below to view companies that have cheap auto insurance rates.

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 24, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for cheaper car insurance rates for your Buick Regal TourX? Comparing car insurance quotes online probably sounds like a formidable task if you have never used online price quotes. Don’t let the process intimidate you because comparing prices is actually very simple.

It is always a good idea to do rate comparisons quite often since insurance prices are variable and change quite frequently. If you had the best deal for Regal TourX insurance two years ago a different company probably has better premium rates today. Block out anything you think you know about car insurance because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.

Buying the best auto insurance is not that difficult. Basically, anyone who shops for auto insurance stands a good chance to be able to save money. But consumers should learn how the larger insurance companies sell online and take advantage of how the system works.

Auto Insurance Discounts

Companies don’t always publicize the complete list of policy discounts in a way that’s easy to find, so here is a list some of the more common and the harder-to-find discounts that you can inquire about if you buy car insurance online. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.

  • Good Grades Discount – This discount could provide a savings of up to 20% or more. The discount lasts up to age 25.
  • Military Rewards – Having an actively deployed family member may lower your prices slightly.
  • Paperwork-free – Many insurance companies will provide an incentive for completing your application online.
  • Data Collection Discounts – Drivers that enable driving data submission to spy on driving patterns by using a telematics device in their vehicle such as State Farm’s In-Drive might see lower rates as long as the data is positive.
  • Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you may reduce your total bill.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts may get savings of up to 25% or more.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% for Regal TourX insurance than drivers with accidents.
  • Multi-line Discount – If the company offers life insurance, you could get a break if you buy some life insurance too.
  • Federal Government Employee – Being employed by or retired from a federal job could qualify for a slight premium decrease for Regal TourX insurance with some auto insurance companies.
  • Low Mileage Discounts – Maintaining low annual mileage can earn lower rates on the low mileage vehicles.

You should keep in mind that most discounts do not apply to the whole policy. Most cut individual premiums such as medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, you aren’t that lucky.

To find insurers that offer multiple discounts, enter your zip code here.

How to buy insurance online

When shopping for the cheapest car insurance quotes, there are a couple of ways to compare rate quotes from different companies. The easiest way to compare 2018 Buick Regal TourX insurance prices is to jump online and get quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The most efficient way consumers can analyze rates would be an industry-wide quote request form. This easy form prevents you from having to do multiple quote forms for every company. In just a few minutes this one form will return quotes from all major companies. It’s definitely the quickest method.
  2. A more difficult way to analyze rates is going to each individual company website and go through the quote process again. For sake of this example, let’s assume you want to compare prices for USAA, Progressive and Allstate. You would be required to visit each site to input your insurance information, and that explains why we recommend the first method.

Which method you use is up to you, but make sure you are using exactly the same coverage limits with each company. If you enter different values for each quote you can’t possibly truly determine the lowest rate. Just a small difference in insurance coverages can make a big difference in price. And when comparing insurance rates, know that getting more free quotes helps locate better pricing. Not every company provides prices over the internet, so it’s important to compare quotes on coverage from those companies, too.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my dog or cat covered if injured in an accident?
  • Why does it cost so much to insure a teen driver?
  • What exactly is covered by my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have coverage when making deliveries for my home business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is business equipment covered while in my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out your zip code.

Auto insurance coverage specifics

Having a good grasp of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, falling objects, hail damage and hitting a bird. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – This coverage will pay to fix damage to your Regal TourX resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Buick Regal TourX.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability – Liability coverage provides protection from damage or injury you incur to other’s property or people. 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. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as structural damage, medical services and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for rehabilitation expenses, X-ray expenses, surgery, chiropractic care and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Summing up your insurance coverage search

When shopping online for insurance coverage, you should never skimp on coverage in order to save money. In many cases, someone dropped collision coverage and discovered at claim time they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

Budget-conscious 2018 Buick Regal TourX insurance can be found both online in addition to many insurance agents, so you need to shop car insurance with both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and most of the time these small, regional companies only sell through independent insurance agencies.

Insureds change insurance companies for a number of reasons such as high prices, an unsatisfactory settlement offer, high rates after DUI convictions or even delays in responding to claim requests. Whatever your reason, choosing a new insurance company can be less work than you think.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles