Lower Your 2019 Buick Regal Sportback Insurance Cost in 2024

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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: Jun 8, 2024

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Want lower insurance coverage rates? Drivers have many options when trying to find low-cost Buick Regal Sportback insurance. They can either spend hours calling around to get rate comparisons or utilize the internet to compare rates.

There is a right way and a wrong way to shop for insurance coverage and you need to know the proper way to compare rates on a Buick and obtain the lowest price.

If you have insurance now or are looking for a new policy, you can use these techniques to shop for the lowest rates while maintaining coverages. The purpose of this article is to tell you how car insurance quotes work. Consumers just need to know the proper way to shop their coverage around on the web.

What affects Buick Regal Sportback insurance premiums?

Consumers need to have an understanding of some of the things that play a part in calculating your policy premiums. If you have some idea of what determines base rates, this enables you to make decisions that can earn you much lower annual insurance costs.

  • How many miles do you drive? – Driving a lot of miles in a year’s time the more you’ll pay to insure your vehicle. A lot of companies calculate rates based upon how the vehicle is primarily used. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Verify your policy is rated on the proper vehicle usage. An improperly rated Regal Sportback may be wasting your money.
  • Liability insurance claims can be big – The liability section of your policy is the protection if ever you are ruled to be at fault for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Improve your credit rating – Having a good credit history can be a huge factor in calculating your premium rate. Therefore, if your credit rating is lower than you’d like, you could potentially save money when insuring your 2019 Buick Regal Sportback by taking the time to improve your credit score. Consumers who have excellent credit tend to be more responsible and file fewer claims as compared to drivers with bad credit.
  • Occupation stress can affect rates – Did you know your job can affect your rates? Occupational choices like fire fighters, architects and accountants usually pay the highest rates attributed to high stress and lengthy work days. On the other hand, occupations like actors, historians and the unemployed receive lower rates on Regal Sportback coverage.

Shop insurance coverage online

The majority of larger companies such as Allstate and Progressive give price estimates from their websites. Comparing prices online can be done by anyone as all you need to do is type in your personal and coverage information into the form. When the form is submitted, their rating system makes automated requests for reports for credit and driving violations and gives you a price quote based on the information you submitted.

Online price quotes simplifies rate comparisons, but having to visit a lot of sites and enter the same data into a form gets old quite quickly. But it’s very important to get many rate quotes if you want to get better insurance coverage pricing.

A more efficient way to locate the lowest prices makes use of a single form that analyzes rates from a lot of companies. This type of form saves time, eliminates form submissions, and makes comparison shopping a lot less work. Once the form is submitted, it is rated and you are able to buy any of the price quotes you receive.

If you find a better price you can simply submit the application and purchase coverage. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.

In order to compare rates now, simply enter your zip code here and enter your information. If you have your current policy handy, we recommend you complete the form with the insurance coverages identical to your current policy. Doing this guarantees you’re receiving an apples-to-apples comparison for similar coverage.

Car insurance buyers beware

Drivers get pounded daily by advertisements that claim the lowest prices by companies like Allstate and Progressive. All the companies have a common claim that drivers can save some big amount if you change to them.

It sounds good, but how can they all charge you less for auto insurance? This is the trick they use.

All the different companies have a certain “appetite” for the type of driver that earns them a profit. An example of a profitable insured might be described as married and over the age of 30, has no tickets, and has a short commute. Any customer who fits that profile receives the best auto insurance rates and most likely will cut their rates substantially.

Drivers who don’t measure up to those criteria must pay a higher rate and ends up with business going elsewhere. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” will save that much if they switch. That’s why insurance companies can make those claims.

This really emphasizes why you absolutely need to get price quotes at each policy renewal. It’s just not possible to know which company will have the lowest prices for your situation.

Are you qualifying for every discount?

Insurance can be prohibitively expensive, but you might already qualify for some discounts that can drop the cost substantially. Certain credits will be shown at the time of quoting, but a few must be specially asked for prior to receiving the credit.

  • Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Home Ownership Discount – Owning a home can earn you a little savings because of the fact that having a home is proof of financial responsibility.
  • Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates on Regal Sportback coverage than drivers with accident claims.
  • Service Members Pay Less – Being deployed with a military unit can result in better insurance rates.
  • Theft Deterrent – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and earn discounts up to 10% off your insurance quote.
  • Distant Student Discount – who are attending college without a vehicle on campus could qualify for this discount.

As a sidenote, many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

A list of companies and some of the discounts are:

  • AAA has savings for AAA membership discount, anti-theft, education and occupation, good student, pay-in-full, good driver, and multi-car.
  • Progressive offers discounts for homeowner, multi-vehicle, online quote discount, online signing, continuous coverage, good student, and multi-policy.
  • State Farm policyholders can earn discounts including safe vehicle, multiple policy, defensive driving training, good student, and anti-theft.
  • Esurance may have discounts that include safety device, good student, Pac-12 alumni, emergency road assistance, and claim free.
  • Nationwide has discounts for good student, accident-free, defensive driving, family plan, and easy pay.

When getting a coverage quote, ask every prospective company to apply every possible discount. Savings may not be offered in your state. To see a list of insurance companies who offer cheap insurance quotes, enter your zip code here.

When in doubt talk to an agent

When it comes to buying the best insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • What discounts do I qualify for?
  • How can I get high-risk coverage after a DUI?
  • Do I need higher collision deductibles?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my 2019 Buick Regal Sportback covered for flood damage?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out your zip code. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Buick Regal Sportback.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, bail bonds, attorney fees and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses such as surgery, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Coverage on a shoestring budget

When searching for low cost insurance quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced physical damage coverage to discover at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.

We just presented a lot of information how to save on 2019 Buick Regal Sportback insurance. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding the cheapest insurance. You may even discover the best price on auto insurance is with a lesser-known regional company.

Drivers leave their current company for a variety of reasons including poor customer service, extreme rates for teen drivers, policy non-renewal or denial of a claim. It doesn’t matter why you want to switch choosing a new insurance company is not as difficult as it may seem.

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