Compare 2019 Buick Regal Insurance Cost in 2024

I can’t think of anyone who gets a kick out of paying for insurance, in particular when their premiums are through the roof.

Online insurance companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with catchy ads and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

It’s smart to do price comparisons every six months because prices trend upward over time. Just because you found the best price on Regal insurance on your last policy the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because you’re about to find out one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have car insurance, you should be able to save some money using these methods. Finding affordable coverage is quite easy. Although vehicle owners benefit from understanding how the larger insurance companies sell online because it can help you find the best coverage.

How to lower your insurance coverage cost

When shopping for insurance coverage there are multiple ways to compare rate quotes from many different insurance companies. The recommended way to find the lowest 2019 Buick Regal rates involves getting comparison quotes online. This is very easy and can be done by using one of the methods below.

• The most efficient method consumers can make multiple comparisons would be an industry-wide quote request form. This method prevents you from having to do separate quotes for each company you want a rate for. One simple form will return quotes from multiple low-cost companies.
• A more time consuming way to get quotes online requires visiting the website for each individual company and repeat the quote process. For sake of this example, we’ll assume you want to see prices from Liberty Mutual, GEICO and Allstate. In order to compare rates, you need to go to each individual site and punch in your information repeatedly, and that explains why we recommend the first method.

It’s up to you how you get prices quotes, just try to use apples-to-apples deductibles and coverage limits with each company. If your comparisons have different coverage information you can’t possibly get a fair rate comparison. Even a minor difference in coverages can result in a big premium difference. It’s important to know that comparing a wide range of rates gives you a better chance of getting the best price. Some smaller insurers to not give online quotes, so it’s important to also get rates from them as well.

Lower-cost insurance rates with discounts

Some insurers don’t necessarily list every policy discount in a way that’s easy to find, so the list below details a few of the more common in addition to some of the lesser obvious credits available to you.

• Federal Employees – Active or former government employment can save as much as 8% on Regal insurance with some insurance companies.
• Air Bag Discount – Vehicles equipped with air bags may get savings up to 30%.
• Good Driver Discounts – Drivers who don’t get into accidents may save up to 50% more on Regal insurance than drivers with accident claims.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life policy as well.
• Telematics Discount – Drivers that enable companies to analyze driving manner by installing a telematics device like Allstate’s Drivewise might see lower rates as long as they are good drivers.
• First Accident Forgiveness – Not necessarily a discount, but certain companies will let one accident slide without raising rates with the catch being you have to be claim-free prior to being involved in the accident.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as liability and collision coverage. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

A few of the larger companies and some of the premium reductions they offer are shown below.

• GEICO policyholders can earn discounts including federal employee, anti-lock brakes, multi-vehicle, five-year accident-free, good student, and driver training.
• Auto-Owners Insurance has savings for multi-policy, teen driver, good student, anti-theft, air bags, student away at school, and paperless.
• American Family may offer discounts for Steer into Savings, air bags, accident-free, early bird, bundled insurance, TimeAway discount, and good student.
• Esurance may have discounts that include emergency road assistance, online quote, online shopper, multi-car, DriveSense, anti-lock brakes, and paid-in-full.
• Progressive discounts include good student, online signing, multi-vehicle, homeowner, and multi-policy.
• State Farm may include discounts for good driver, accident-free, good student, defensive driving training, safe vehicle, driver’s education, and multiple autos.
• AAA includes discounts for good driver, AAA membership discount, education and occupation, anti-theft, multi-car, and multi-policy.

If you need inexpensive car insurance quotes, ask every company what discounts are available to you. Some of the earlier mentioned discounts might not be available to policyholders in your area.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there is no best way to insure your cars. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

• Should I file a claim if it’s only slightly more than my deductible?
• Exactly who is provided coverage by my policy?
• When should I drop full coverage on my 2019 Buick Regal?
• Is there coverage for injuries to my pets?
• How can I get high-risk coverage after a DUI?
• What should my uninsured motorist coverage limits be in my state?
• Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.

Auto insurance specifics

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on most auto insurance policies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like X-ray expenses, pain medications, doctor visits and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Buick Regal.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability car insurance

Liability insurance can cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means 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.

Liability can pay for things such as repair costs for stationary objects, pain and suffering, bail bonds and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

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

Collision can pay for claims like rolling your car, crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, damage from getting keyed, falling objects and hail damage. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.