Compare 2013 Buick Regal Insurance Cost in 2024

When trying to find lower-priced insurance, are you frustrated by the crazy number of insurance coverage providers? You have so many providers to choose from that it can turn into a big hassle to find lower insurance coverage rates.

Compare quotes for insurance

There are several ways to compare quotes from insurance companies in your area. The quickest method to do a complete rate comparison consists of obtaining rate quotes online. This can be done using a couple different methods.

• The most efficient method to find low rates is a comparison rater form. This form saves time by eliminating a different quote for each company you want a rate for. A single form gets you coverage quotes from insurance companies with the best prices. This is perfect if you don’t have a lot of time.
• A more time consuming way to obtain and compare quotes online is going to each company website and fill out a new quote form. For examples sake, let’s assume you want comparison quotes from Auto-Owners, Farmers and Allstate. To get each rate you have to navigate to each company’s site and punch in your information repeatedly, and that explains why we recommend the first method.

Take whichever approach you prefer, but do your best to enter identical coverage limits and deductibles on every price quote you get. If you have different coverage information then you won’t be able to find the best deal for your Buick Regal. Quoting even small variations in limits can make a big difference in price. And when price shopping your coverage, making a lot of price comparisons helps improve the odds of finding a lower rate. Not every company allows you to get price estimates online, so it’s important to also get prices from the smaller companies as well.

Verify you’re earning every discount

Insurance is easily one of your largest bills, but you might find some hidden discounts that can help lower your rates. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be requested specifically before they will apply.

• Paperwork-free – Some of the larger companies will give you a small discount for buying your policy online.
• Military Deployment Discount – Being on active deployment in the military could be rewarded with lower prices.
• Claim-Free Discount – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance coverage quote compared to policyholders that have many claims.
• Employee of Federal Government – Employees or retirees of the government may reduce rates when you quote insurance coverage for Regal insurance depending on your company.
• Multiple Vehicles – Insuring multiple vehicles with the same insurance company can reduce the rates for all insured vehicles.
• Senior Citizen Discount – Older drivers may qualify for lower premium rates for Regal insurance.
• Multi-line Discount – Not all companies offer life insurance, but some may give you a lower rate if you buy a life insurance policy as well.

Policy discounts save money, but many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will help lower the cost of your policy.

Some of the larger companies that have these discounts possibly include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

If you need affordable insurance coverage quotes, ask each insurance company which discounts can lower your rates. Some discounts may not be available in your state. To find companies with discount rates, enter your zip code here.

When should I discuss my situation with an agent?

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether you would benefit from professional advice.

• How much liability do I need to cover my assets?
• Do I have coverage for damage caused while driving under the influence?
• Does coverage extend to a rental car in a foreign country?
• How do I insure my teen driver?
• Should I put collision coverage on all my vehicles?
• Am I covered if I break a side mirror?
• When should I buy a commercial auto policy?
• How high should deductibles be on a 2013 Buick Regal?
• Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Specifics of your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability insurance

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have 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 $50,000 of coverage for damaged property.

Liability coverage pays for claims such as loss of income, medical services, repair bills for other people’s vehicles, legal defense fees and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your Regal resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, colliding with another moving vehicle, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, theft, damage from flooding, falling objects and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Buick Regal.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for things like nursing services, prosthetic devices and EMT expenses. They are often used in conjunction with a 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 coverage is only offered in select states and gives slightly broader coverage than med pay