Are you looking for a better way to compare more affordable Buick Regal insurance in Cincinnati? Finding the cheapest insurance for a new or used Buick Regal in Ohio can be a painful process, but you can learn a few tricks to find lower rates.
There are both good and bad ways to find insurance online and we’ll show you the best way to price shop coverage for a new or used Buick and locate the best price possible either online or from Cincinnati insurance agents.
It’s important to do rate comparisons quite often because insurance rates are constantly changing. Even if you got the lowest premium rates on Buick Regal insurance in Cincinnati six months ago you can probably find a better price now. Forget all the misinformation about insurance because you’re about to find out the only way to get good coverage on Buick Regal insurance in Cincinnati at a lower rate.
Discount Cincinnati car insurance quotes
Car insurance is not an enjoyable expense, but there are discounts available that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be asked for before being credited.
- Bundle and Save – If you can bundle your homeowners and auto insurance and insure them both with the same insurance company you may earn up to 20% off your total Regal insurance premium.
- Pay Upfront and Save – By paying your entire bill at once rather than paying monthly you can actually save on your bill.
- Distant Student – Children who are attending college and don’t have a car may qualify for this discount.
- Home Ownership Discount – Owning a house in Cincinnati can help you save on car insurance because owning a home means you have a higher level of financial diligence.
- No Claim Discounts – Insureds who avoid accidents and claims pay less as compared to accident-prone drivers.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt can save up to 15% on medical payment and PIP coverage.
- Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 25 to 30%.
Don’t be surprised that some of the credits will not apply to the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, nobody gets a free ride.
To view companies that offer the discounts shown above in Cincinnati, click this link.
Specific coverage details
Having a good grasp of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims such as medical expenses, repair bills for other people’s vehicles, structural damage and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford. Ohio state minimum liability requirements are 25/50/25 but drivers should carry higher limits.
The next chart demonstrates why low liability limits may not be enough.
This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like hitting a bird, fire damage and hitting a deer. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured or underinsured coverage
Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Since many Ohio drivers only purchase the least amount of liability that is required (25/50/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Collision coverage protection
Collision insurance will pay to fix damage to your Regal from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as scraping a guard rail, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible on your Regal to get cheaper collision coverage.
Medical expense coverage
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like hospital visits, ambulance fees, pain medications and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage
You can lower your insurance rates
Drivers switch companies for a number of reasons such as lack of trust in their agent, not issuing a premium refund, high rates after DUI convictions and even extreme rates for teen drivers. Regardless of your reason, finding the right insurance provider is not as difficult as it may seem.
Throughout this article, we presented many ideas to save on Buick Regal insurance in Cincinnati. It’s most important to understand that the more companies you get car insurance rates for, the better your comparison will be. You may even find the best price on insurance is with a lesser-known regional company.
When shopping online for insurance, do not sacrifice coverage to reduce premiums. There are too many instances where an insured dropped liability coverage limits only to regret they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at the best possible price and still be able to protect your assets.
How to buy lower priced Buick Regal insurance in Cincinnati
If saving the most money is your goal, then the best way to find cheaper quotes for Buick Regal insurance is to do a yearly price comparison from insurers in Cincinnati. Drivers can shop around by completing these steps.
First, try to learn a little about how car insurance works and the changes you can make to keep rates low. Many factors that cause rate increases such as your driving record and a not-so-good credit history can be eliminated by making minor changes in your lifestyle.
Second, get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple sources. View rates
Third, compare the new rates to your current policy premium to see if a cheaper price is available in Cincinnati. If you find a better price and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, notify your company or agent to cancel the current policy. Submit a down payment along with a signed application to the new company. Make sure you place the new certificate verifying proof of insurance along with your vehicle registration.
A good tip to remember is to try to use the same level of coverage on each quote request and and to get rate quotes from as many carriers as you can. Doing this guarantees an accurate price comparison and the best price quote selection.
Other learning opportunities
- Determining Auto Insurance Rates (GEICO)
- Who Has Cheap Cincinnati Auto Insurance for 17 Year Olds? (FAQ)
- How Much are Cincinnati Auto Insurance Rates for a Subaru Outback? (FAQ)
- Who Has the Cheapest Cincinnati Auto Insurance Rates with Multiple Speeding Tickets? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)
- Medical Payments Coverage (Liberty Mutual)
- Rental Car Insurance Tips (Insurance Information Institute)