2020 Buick Regal TourX Insurance Cost in 2024 – 9 Discounts for Best Prices

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.

Are you burned out from sacrificing other expenses to keep your car insured? You are no different than the majority of other consumers. Multiple insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer and uncover the absolute best rates possible.

It’s important to compare rates before your policy renews since insurance rates are constantly changing. Even if you got the best rate on Regal TourX insurance last year you can probably find a better price now. Forget all the misinformation about insurance because you’re going to get a crash course in how to use online quotes to find better rates and still maintain coverage.

If you have insurance now or need a new policy, you can use these tips to find better prices and still get good coverage. Buying car insurance is not rocket science. Vehicle owners just need to understand how to compare rates over the internet.

Use discounts to get cheaper insurance rates

Some providers don’t list the entire discount list in an easy-to-find place, so the following list contains a few of the more common and also the lesser-known credits that you can use to lower your rates.

  • New Vehicle Savings – Adding a new car to your policy can save up to 30% since newer models are generally safer.
  • Seat Belts Save – Forcing all vehicle occupants to use their safety belts can save a little off PIP or medical payments premium.
  • Payment Method – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Defensive Driving Course – Successfully completing a course teaching defensive driver skills may get you a small discount if your company offers it.
  • Braking Control Discount – Cars that have anti-lock braking systems have fewer accidents and will save you 10% or more.
  • No Claim Discounts – Claim-free drivers have much lower rates in comparison with accident-prone drivers.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 25 to 30%.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a handful of insurance companies will turn a blind eye to one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Regal TourX insurance compared to rates paid by drivers with frequent claims.

You should keep in mind that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, that’s just not realistic.

Larger insurance companies and a partial list of their discounts are:

  • State Farm offers premium reductions for passive restraint, multiple policy, multiple autos, safe vehicle, student away at school, Drive Safe & Save, and defensive driving training.
  • American Family policyholders can earn discounts including mySafetyValet, defensive driver, multi-vehicle, good student, air bags, and early bird.
  • GEICO may offer discounts for anti-theft, daytime running lights, driver training, emergency military deployment, and anti-lock brakes.
  • 21st Century includes discounts for early bird, good student, student driver, anti-lock brakes, and automatic seat belts.
  • Progressive may include discounts for multi-vehicle, good student, multi-policy, continuous coverage, online quote discount, and homeowner.

If you are trying to find the cheapest car insurance quotes, ask all companies you are considering which discounts can lower your rates. Depending on the company, some discounts might not apply in your area.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out if you will benefit from professional help.

  • How high should deductibles be on a 2020 Buick Regal TourX?
  • Can I drive in Mexico and have coverage?
  • Why does it cost so much to insure a teen driver?
  • How much liability do I need to cover my assets?
  • When should I remove comp and collision on my 2020 Buick Regal TourX?
  • Do I have coverage when making deliveries for my home business?
  • Is my teenager covered with friends in the car?
  • Is my teen driver covered when they drive my company car?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code. It’s fast, free and may give you better protection.

Car insurance 101

Learning about specific coverages of insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Buick Regal TourX.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverages – This coverage will pay to fix damage to your Regal TourX from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for dental work, chiropractic care, hospital visits, X-ray expenses and doctor visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance – Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. 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. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like repair costs for stationary objects, medical services, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, a tree branch falling on your vehicle and fire damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Affordable insurance is out there

When you buy car insurance online, never buy lower coverage limits just to save a few bucks. In many cases, someone dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

There are still a few companies who may not offer online price quotes and many times these regional insurance providers only sell coverage through independent agents. Cheaper 2020 Buick Regal TourX insurance can be purchased online as well as from insurance agents, so you should compare both to have the best chance of lowering rates.

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