View 2019 Buick Regal TourX Car Insurance Quotes in 2024

Trying to find better auto insurance rates for your Buick Regal TourX? Purchasing the cheapest auto insurance online might seem intimidating for vehicle owners new to comparing rates and buying auto insurance over the internet. With such a large number of agents and companies competing online, how are vehicle owners expected to even start to compare every company in order to find lower auto insurance premiums?

Cheaper rates with discounts

Companies offering auto insurance don’t list all available discounts in a way that’s easy to find, so we took the time to find both the well known and also the lesser-known credits available to you. If you aren’t receiving every discount you qualify for, you could be getting lower rates.

• Club Memberships – Belonging to certain professional organizations is a good way to get lower rates on your policy.
• Claim-Free Discount – Drivers who stay claim-free have much lower rates in comparison to accident-prone drivers.
• Multi-car Discount – Buying insurance for multiple cars with the same company can get a discount for every vehicle.
• Driver Training Discounts – Taking a defensive driving course could save 5% or more if you qualify.
• One Accident Forgiven – Not really a discount, but certain companies permit an accident before they charge you more for coverage with the catch being you have to be claim-free prior to being involved in the accident.
• Drivers Ed for Students – Have your child enroll and complete driver’s education if it’s offered in school.
• Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.

Don’t be shocked that some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck.

A list of insurance companies and their offered discounts are outlined below.

• GEICO includes discounts for multi-vehicle, anti-lock brakes, emergency military deployment, anti-theft, and federal employee.
• Travelers has discounts for driver training, student away at school, multi-car, continuous insurance, IntelliDrive, and good student.
• Nationwide may include discounts for Farm Bureau membership, family plan, anti-theft, accident-free, multi-policy, good student, and defensive driving.
• Farmers Insurance has savings for business and professional, good student, mature driver, switch companies, and homeowner.
• Esurance policyholders can earn discounts including anti-lock brakes, Pac-12 alumni, safety device, multi-car, and good driver.
• State Farm offers premium reductions for multiple autos, Steer Clear safe driver discount, good student, defensive driving training, driver’s education, and student away at school.
• Progressive offers discounts for homeowner, online signing, multi-policy, online quote discount, continuous coverage, good student, and multi-vehicle.
• Mercury Insurance offers discounts including multi-car, type of vehicle, accident-free, ease of repair, low natural disaster claims, and good student.

Check with each company or agent what discounts are available to you. Some of the earlier mentioned discounts may not be available in your area.

How to get free insurance quotes online

Many insurance companies give prices from their websites. This process is fairly straightforward as you just type in your personal and coverage information into the quote form. When complete, their rating system automatically orders reports for credit and driving violations and gives you a price quote based on the information you submitted.

Quoting online makes it simple to compare prices but the process of having to visit many different websites and type in the same data is monotonous and tiresome. But it’s very important to compare as many rates as possible if you are searching for the lowest insurance rates.

An easier way to compare rates utilizes a single form to return rates from several companies at one time. The form is fast, helps eliminate repetitive entry, and makes rate comparisons a lot less work. Immediately after you send the form, it gets priced with multiple companies and you can pick your choice of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. It takes 15 minutes at the most and you will know how your current rates stack up.

To compare pricing, simply enter your zip code here and fill out the form. If you have a policy now, it’s recommended you type in coverages and limits just like they are on your policy. This way, you are getting a price comparison based on identical coverages.

How your Regal TourX insurance premiums are determined

Many things are taken into consideration when you get a price on insurance. Some are pretty understandable such as traffic violations, although others are less apparent such as your credit history or how financially stable you are.

• Liability insurance is peace of mind – Your car insurance policy’s liability coverage provides coverage when a court rules you are at fault for damages from an accident. Your policy’s liability insurance provides legal defense coverage which can cost a lot. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
• Gender and car insurance – Over the last 30 years, statistics show women tend to be less risk to insure than men. Now that doesn’t mean females are better at driving than males. Women and men are responsible for fender benders in similar percentages, but guys tend to have more serious accidents. In addition to higher claims, males also get cited for more serious violations like DUI and reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and are penalized with high car insurance rates.
• With age comes lower costs – More experienced drivers tend to be more responsible, file fewer claims and get fewer tickets. Inexperienced drivers are proven to be careless and easily distracted when behind the wheel so they pay higher car insurance rates.
• Big cities mean more claims – Being located in areas with lower population has it’s advantages when insuring your vehicles. Fewer drivers on the road translates into fewer accident claims and a lower car theft rate. People who live in big cities regularly have more traffic problems and longer commutes to work. Spending more time driving means higher likelihood of an accident.
• Bad drivers pay high costs – Attentive drivers get better prices than bad drivers. Having just one driving citation can increase the cost of insurance to the point where it’s not affordable. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
• Having a spouse brings a discount – Being married may cut your premiums on car insurance. Having a spouse generally demonstrates drivers are more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
• More policies can equal more savings – Most insurers will give a discount to people who carry more than one policy. It’s known as a multi-policy discount. The discount can be as much as ten percent or more Even with this discount applied, you still need to comparison shop to help guarantee you have the best rates. There is a good possibility that you can save money by insuring with multiple companies.

What is the best insurance coverage coverage?

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

• Does my 2019 Buick Regal TourX qualify for pleasure use?
• What is the rate difference between pleasure use and commuting?
• Are my tools covered if they get stolen from my vehicle?
• Is my state a no-fault state?
• If I drive on a suspended license am I covered?
• When should I remove comp and collision on my 2019 Buick Regal TourX?
• Will I lose any money if I cancel my policy before it expires?
• Is a fancy paint job covered?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete your zip code.

The auto insurance bait and switch

Auto insurance providers like GEICO, State Farm and Progressive seem to constantly run ads on TV and radio. All the companies state the claim that you’ll save big if you get a free insurance coverage quote and switch your coverage to them. Is it even possible that every company can give you a lower rate? Here is the trick they use.

All companies look for specific characteristics for a prospective insured that will most likely be profitable. For example, a profitable insured could be married and over the age of 30, carries high limits, and has a short commute. A driver that meets those criteria receives the best car insurance rates and will also cut their rates if they switch.

Potential customers who cannot meet those standards will be quoted a more expensive rate and the prospect going elsewhere. The trick companies use is to say “customers who switch” not “all people who quote” save the amount stated. That is how companies can truthfully lure you into getting a quote. Because of this risk profiling, drivers must get insurance coverage quotes from several different companies. Because you cannot predict which company will have the lowest rate quotes.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, hitting a parking meter, colliding with another moving vehicle, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things such as funeral expenses, pain and suffering, attorney fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2019 Buick Regal TourX.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, damage from flooding and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for nursing services, ambulance fees, EMT expenses, X-ray expenses and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Buy Smart and Save

When searching for affordable insurance coverage quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, someone dropped collision coverage and learned later that it was a big mistake. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

You just learned a lot of techniques to lower your 2019 Buick Regal TourX insurance prices. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper insurance coverage. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

Lower-priced 2019 Buick Regal TourX insurance can be purchased both online in addition to many insurance agents, so you need to shop insurance coverage with both in order to have the best price selection to choose from. A few companies do not provide online quoting and usually these regional insurance providers provide coverage only through independent agents.