The best way we recommend to get the cheapest Buick Regal insurance in Detroit is to compare prices at least once a year from insurers that insure vehicles in Michigan. You can shop around by following these steps.
Step 1: Try to learn about how insurance works and the modifications you can make to keep rates in check. Many policy risk factors that drive up the price such as tickets, at-fault accidents, and a substandard credit history can be remedied by being financially responsible and driving safely.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can provide prices from multiple companies.
Step 3: Compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate quote and decide to switch, ensure coverage does not lapse between policies.
An important bit of advice to remember is that you use similar limits and deductibles on each quote and and to look at as many different companies as possible. Doing this helps ensure a fair price comparison and the best price quote selection.
It’s an obvious assumption that insurance companies don’t want you quoting rates from other companies. Drivers who rate shop once a year are highly likely to switch insurance companies because they have good chances of finding a lower rate. Remarkably, a study showed that consumers who shopped around saved over $3,450 over four years compared to those who never compared prices.
If finding budget-friendly auto insurance in Detroit is your target objective, knowing how to find and compare insurance premiums can make it easier for you to save money.
Get cheaper Buick Regal insurance rates in Detroit
Not many people think insurance is cheap, but there’s a good chance there are discounts to reduce the price significantly. A few discounts will be applied when you get a quote, but some discounts are required to be inquired about before they will apply.
- Mature Driver Discount – Older drivers are able to get a discount up to 10%.
- Multi-line Discount – Some insurance carriers give better auto insurance rates if you take out auto and life insurance together.
- Early Signing – Some insurance companies reward drivers for switching to them before your current coverage expires. Ten percent is about the average savings.
- More Vehicles More Savings – Buying insurance for multiple cars on the same auto insurance policy qualifies for this discount.
- Defensive Driver – Completing a course teaching safe driver skills could possibly earn you a 5% discount if you qualify.
Just know that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
Auto insurance companies that may offer quotes with some of the discounts shown above possibly include:
When comparing rates, check with each company or agent how you can save money. Some discounts listed above might not be offered on policies in every state. To see companies who offer cheap Buick Regal insurance quotes in Michigan, click here.
The easiest way to get rate comparisons for Buick Regal insurance in Detroit is to know most insurance companies pay for the opportunity to quote your coverage. All you need to do is take a few minutes to give details such as whether the vehicles are used for commuting, how much coverage you want, the make and model of your vehicles, and whether you have decent credit. The data gets transmitted to insurance companies and you get price estimates instantly.
If you wish to get multiple quotes for your Buick Regal now, click here and find out if you can get cheaper insurance in Detroit.
The providers in the list below are ready to provide price comparisons in Detroit, MI. If you want the cheapest auto insurance in Detroit, MI, it’s highly recommended you visit several of them in order to get a fair rate comparison.
Eight Things That Affect Your Insurance Rates
Multiple criteria are taken into consideration when you get a price on insurance. Some factors are common sense such as traffic violations, but others are less apparent like your vehicle usage or your financial responsibility.
- Men drivers tend to cost more – Statistics demonstrate women tend to be less risk to insure than men. It does not mean women are better drivers. They both tend to get into at-fault accidents at a similar rate, but the men tend to have higher claims. Men also statistically receive more costly citations like reckless driving and DUI.
- More performance means higher rates – The performance level of the car you need insurance for makes a significant difference in your premium level. The lowest performance passenger cars generally receive the lowest base rates, but that’s not the only thing that factors into the final price.
- Don’t skimp on liability coverage – The liability section of your policy will provide protection if you are found to be at fault for physical damage or personal injury to other. This coverage provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
- Fewer miles means better premiums – The higher the miles on your Buick annually the higher your rates will be. Most insurance companies apply a rate partially by how you use the vehicle. Cars and trucks not used for work or commuting cost less to insure than those that get driven frequently. An incorrectly rated Regal is throwing money out the window. It’s always a good idea to double check that your vehicle rating reflects the proper vehicle usage, because improper ratings can cost you money.
- Your address can push rates up or down – Living in a small town can save you money when trying to find low car insurance rates. Urban drivers regularly have congested traffic and more severe claims. Fewer drivers on the road means a lower chance of having an accident in addition to fewer liability claims.
- Improve your credit score and save – Your credit score is a large factor in determining your rates. Therefore, if your credit score can be improved, you could save money insuring your Buick Regal by taking the time to improve your credit score. Drivers who have high credit ratings tend to file fewer claims and have better driving records than those with lower credit scores.
- Premiums increase with policy add-ons – There are a ton of additional extra coverages that you can buy if you aren’t diligent. Insurance for coverage for rental cars, accidental death, and extra life insurance coverage are probably not needed. The coverages may be enticing when buying your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
- Advanced alarms and GPS tracking – Driving a car with advanced anti-theft systems can get you a discount on your insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
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Buick Regal insurance loss statistics – Insurance companies use historical loss data to help calculate premium costs. Models that historically have a higher amount or frequency of claims will have increased rates.
The table below outlines the actual insurance loss data for Buick Regal vehicles. For each policy coverage type, the statistical loss for all vehicles compiled together is set at 100. Values that are 100 or less imply a favorable loss record, while percentage values above 100 indicate frequent claims or larger claims.
Insurance Loss Ratings for Buick Regal Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Buick Regal 2WD 96 92 82 104 94 97 Buick Regal 4WD 113 87 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
How much auto insurance do I need?
When it comes to adequate coverage, there is no “best” method to buy coverage. Your needs are unique to you so your insurance needs to address that. Here are some questions about coverages that might point out whether you might need an agent’s assistance.
- Is my son or daughter covered when driving my car?
- Why am I required to buy high-risk coverage?
- Where can I find DUI or SR-22 insurance?
- Will I be non-renewed for getting a DUI or other conviction?
- Am I covered while delivering pizza?
- Do they offer discounts for home and auto coverage?
- Do I have coverage if I rent a car in Mexico?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.
When do I need to have guidance from an agent?
Some consumers would rather sit down with an agent and there is nothing wrong with that. A nice benefit of getting online price quotes is that you can obtain the best rates and still have an agent to talk to.
After completing this short form, your insurance coverage information is transmitted to local insurance agents that give free quotes to get your business. You never need to search for any insurance agencies since price quotes are sent straight to your inbox. You can find better rates without a big time investment. If you want to get a comparison quote from one company in particular, you can always go to their quote page to submit a rate quote request.
Choosing an insurer requires you to look at more than just a cheap price quote. Get answers to these questions too.
- Is there a Errors and Omissions policy in force?
- How much will you save each year by using a higher deductible?
- Does the company have a solid financial rating?
- Where would glass claims be handled in Detroit?
- What is the agency’s Better Business Bureau rating?
- Are there any discounts that you might be missing?
When looking for a reliable insurance agent, you must know there are a couple different types of agencies and how they can write your policy. Agents are categorized either independent (non-exclusive) or exclusive.
Exclusive Car Insurance Agents
Exclusive agents can only quote rates from one company like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. These agents are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Below is a short list of exclusive agencies in Detroit that can give you price quote information.
Allstate Insurance: Shauna Johnson
18711 Grand River Ave – Detroit, MI 48223 – (313) 272-2020 – View Map
PD Dandnaik – State Farm Insurance Agent
W, 7725 Vernor Hwy – Detroit, MI 48209 – (313) 554-1500 – View Map
Angela Hughes – State Farm Insurance Agent
14511 W McNichols Rd – Detroit, MI 48235 – (313) 862-7800 – View Map
Independent Car Insurance Agencies
Independent agencies often have many company appointments and that allows them to write policies with lots of companies and find the cheapest rate. If your premiums go up, they simply move your policy to a different company and you stay with the same agent.
When comparing rates, you should always check rates from multiple independent agents so that you can do a thorough price comparison.
The following are Detroit independent agencies that can give you price quote information.
Look Insurance Detroit Southwest Agency
6724 Michigan Ave – Detroit, MI 48210 – (313) 899-3194 – View Map
Detroit L.A. Insurance
13545 W Seven Mile Rd – Detroit, MI 48235 – (313) 340-4444 – View Map
Clark Insurance Agency
2711 E Jefferson Ave #206 – Detroit, MI 48207 – (313) 259-6600 – View Map
Protect your vehicle and other assets
Despite the high cost, paying for insurance is required by state law in Michigan and it also provides benefits you may not be aware of.
- Most states have mandatory liability insurance requirements which means the state requires a specific level of liability protection in order to license the vehicle. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Buick has a loan, more than likely the lender will require you to have insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may insure your Buick at a much higher rate and force you to pay much more than you were paying before.
- Insurance safeguards both your vehicle and your personal assets. It will also cover many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage will also pay attorney fees in the event you are sued. If your Buick gets damaged, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car are definitely more than the cost, particularly if you ever have a claim. But the average American driver overpays as much as $750 every year so it’s important to compare rates at every policy renewal to save money.
In the end, you can save money
As you prepare to switch companies, never reduce needed coverages to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.
We covered some good ideas how to reduce Buick Regal insurance prices online in Detroit. The key concept to understand is the more times you quote, the higher your chance of finding cheaper Detroit car insurance quotes. You may even be surprised to find that the lowest priced auto insurance comes from a small mutual company. These companies may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.
More information is available below:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- How Much are Auto Insurance Quotes for a Jeep Grand Cherokee in Detroit? (FAQ)
- Who Has Cheap Car Insurance Rates for Infrequent Drivers in Detroit? (FAQ)
- Who Has Cheap Detroit Auto Insurance Rates for a GMC Sierra? (FAQ)
- Who has the Cheapest Auto Insurance Quotes in Detroit, MI? (DetroitInsure.com)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Liability Insurance Coverage (Nationwide)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Protect Yourself Against Auto Theft (Insurance Information Institute)