Cheapest 2016 Buick Regal Insurance Rates in 2024
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UPDATED: Jun 6, 2023
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Searching for lower insurance rates for your Buick Regal? Frustrated by the dozens of insurance choices that you can choose from? There are such a large number of options that it can easily turn into a big hassle to find better prices.
Save with these discounts
Some companies do not advertise their entire list of discounts in a way that’s easy to find, so the next list breaks down both the well known and also the more inconspicuous discounts that may be available.
- Anti-lock Brakes – Vehicles with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
- Discount for Life Insurance – Select insurance carriers reward you with a lower rate if you buy some life insurance in addition to your auto policy.
- Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
- Discount for Low Mileage – Fewer annual miles on your Buick could earn substantially lower premium rates.
- Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
As a sidenote, some credits don’t apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. Even though the math looks like you could get a free insurance coverage policy, you’re out of luck.
Some of the insurance companies who might offer most of these discounts possibly include:
When getting a coverage quote, ask every company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. For a list of insurance companies with the best insurance coverage discounts, click here.
When buying the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.
For instance, these questions may help you determine if your situation could use an agent’s help.
- Why am I required to buy high-risk coverage?
- What are the best liability limits?
- Can my babysitter drive my car?
- Is my teenager covered with friends in the car?
- Am I covered when driving on a suspended license?
- Do I need rental car coverage?
- What is an SR-22 filing?
- Why am I be forced to buy a membership to get insurance from some companies?
- Do I have coverage when using my vehicle for my home business?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form.
Auto insurance coverages
Learning about specific coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
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Coverage for medical payments
Coverage for medical payments and/or PIP pay for expenses such as funeral costs, ambulance fees, hospital visits and nursing services. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Liability car insurance
This coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims such as loss of income, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hail damage, vandalism, rock chips in glass, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Collision coverage covers damage to your Regal resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as backing into a parked car, crashing into a building, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Keep this in mind
Drivers leave their current company for a variety of reasons including questionable increases in premium, not issuing a premium refund, an unsatisfactory settlement offer and denial of a claim. It doesn’t matter why you want to switch finding a new insurance coverage company is not as difficult as it may seem.
While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. Too many times, someone sacrificed comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The goal is to buy enough coverage for the lowest cost while still protecting your assets.
You just read many ways to lower your 2016 Buick Regal insurance rates. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even discover the best rates are with a smaller regional carrier.
To learn more, link through to the following helpful articles:
- Credit and Insurance Scores (Insurance Information Insitute)
- Distracted Driving Statistics (Insurance Information Insitute)
- Things to Know Before you Cancel Insurance (Allstate)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Keeping Children Safe in Crashes Video (iihs.org)
Frequently Asked Questions
How can I find lower insurance rates for my 2016 Buick Regal?
To find lower insurance rates for your 2016 Buick Regal, it’s recommended to compare quotes from different insurance companies. Use online tools that allow you to enter your ZIP code and receive quotes from multiple providers. Comparing quotes can help you identify the companies that offer the most competitive rates for your specific vehicle and coverage needs.
What discounts are available to lower my insurance rates?
Insurance companies offer various discounts that can help lower your rates. Some commonly available discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same company), good student discounts, and anti-theft device discounts. It’s important to ask each insurance company about the discounts they offer and how you can qualify for them.
Are all insurance discounts applicable to my policy premium?
Not all discounts apply to the entire policy premium. Some discounts may only apply to specific coverage prices, such as comprehensive or medical payments. While a discount may reduce the overall cost of your policy, it’s important to understand which specific coverages are affected by the discount.
How do I determine the right insurance coverage for my Buick Regal?
The right insurance coverage for your Buick Regal depends on your specific needs. Consider factors such as your budget, the value of your vehicle, and any additional coverage you may require. It’s a good idea to understand the different coverage options available, such as liability coverage, comprehensive coverage, collision coverage, and uninsured/underinsured coverage. You can consult with an insurance agent to get personalized advice based on your circumstances.
What is medical payments coverage?
Medical payments coverage, also known as MedPay, covers medical expenses for injuries sustained in an accident. It can help pay for expenses such as ambulance fees, hospital visits, nursing services, and funeral costs. MedPay is often used in conjunction with a health insurance program or as a standalone coverage if you don’t have health coverage. It provides coverage for all vehicle occupants and may also cover injuries if you are hit as a pedestrian.
What is liability car insurance?
Liability car insurance covers the damage or injuries you cause to others in an accident. It protects you from legal claims made by others but does not cover damage sustained by your own vehicle. Liability coverage typically has three limits: bodily injury per person, bodily injury per accident, and property damage. For example, a limit of 50/100/50 means you have coverage of $50,000 per injured person, $100,000 in injury protection per accident, and $50,000 for property damage. The specific amount of liability coverage you purchase is up to you, but it’s advisable to get as much as you can afford.
What is comprehensive coverage?
Comprehensive coverage pays for the repair or replacement of your vehicle for damage caused by events other than a collision with another vehicle or object. It typically covers damages from incidents such as hail, vandalism, rock chips in the glass, keying, and fire damage. There is usually a deductible that you must pay, and the remaining damage costs are covered by the comprehensive coverage. The maximum payout you receive from a claim is the market value of your vehicle.
What is collision insurance?
Collision insurance covers damage to your Buick Regal resulting from a collision with another vehicle or object. You are required to pay a deductible, and the insurance company covers the rest of the damage costs. Collision coverage protects against accidents such as backing into a parked
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