It’s easy to assume that auto insurance companies don’t want you shop around. Insureds who do rate comparisons are very likely to buy a different policy because there is a significant possibility of finding more affordable rates. A recent survey revealed that people who made a habit of comparing rate quotes saved $70 a month as compared to drivers who never shopped for cheaper rates.
If finding the most affordable Buick Regal insurance in Riverside is your objective, then learning a little about how to shop and compare insurance can help simplify the process.
The recommended way to find cheaper Buick Regal insurance is to start comparing prices regularly from insurance carriers in Riverside.
Step 1: Learn about how your policy works and the things you can change to prevent rate increases. Many factors that cause high rates like getting speeding tickets and an unfavorable credit rating can be rectified by making minor changes to your lifestyle.
Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agents can provide prices from multiple sources.
Step 3: Compare the new rate quotes to your existing policy to see if a cheaper rate is available in Riverside. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
An essential thing to point out is that you use the same physical damage deductibles and liability limits on every quote request and to quote with every company you can. This helps ensure an apples-to-apples comparison and a complete price analysis.
If you’re already insured or are shopping for new coverage, you can learn to find better prices while maintaining coverages. Finding the cheapest insurance coverage in Riverside is much easier if you know where to start. Smart buyers just need to understand the quickest method to compare insurance rates online.
Most larger insurance companies such as Progressive, Allstate and GEICO make it easy to get price estimates from their websites. Doing online quotes for Buick Regal insurance in Riverside is pretty easy as you simply type in the amount of coverage you want into the form. Once you submit the form, their rating system requests your credit score and driving record and quotes a price. The ability to get online rate quotes for Buick Regal insurance in Riverside helps simplify price comparisons, and it is important to get many rate quotes in order to find cheap rates.
To quickly find out how much you’re overpaying now, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you complete the form with your coverages just like they are on your policy. This ensures you’re receiving rate comparison quotes based on similar coverages.
The companies shown below provide free quotes in Riverside, CA. If multiple companies are listed, it’s a good idea that you compare several of them to get the best price comparison.
Why you need to buy insurance
Even though it can be expensive, maintaining insurance is required in California but also provides important benefits.
First, almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your car, most banks will have a requirement that you carry insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank may buy a policy for your Buick for a much higher rate and require you to pay for the expensive policy.
Third, insurance protects not only your car but also your financial assets. Insurance will also pay for medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your car is damaged in a storm or accident, your policy will pay to have it repaired.
The benefits of carrying adequate insurance more than cancel out the cost, especially with large liability claims. On average, a vehicle owner in Riverside overpays as much as $830 a year so shop around each time the policy renews to ensure rates are inline.
Insurance discounts help lower rates for Buick Regal insurance in Riverside
Some companies do not list every discount they offer in a way that’s easy to find, so we researched both the well known and the more hidden discounts that you may qualify for. If you aren’t receiving every discount possible, you are just wasting money.
- Federal Employees – Employees or retirees of the government can save as much as 8% depending on your company.
- Mature Driver Discount – Drivers that qualify as senior citizens could receive a small discount on rates.
- ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
- Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on Riverside auto insurance quote when compared with bad drivers.
- Low Mileage Discounts – Low annual miles can earn cheaper prices.
- Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for signing up over the internet.
We need to note that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, companies don’t profit that way.
Companies that may offer quotes with many of the previously listed discounts include:
Before you buy a policy, ask all companies you are considering which discounts you qualify for. Some discounts may not be offered everywhere. For a list of insurance companies with discount insurance rates in California, click here.
Buying from auto insurance agents
Some people prefer to have an agent’s advice and that is recommended in a lot of cases Good insurance agents are trained risk managers and help submit paperwork. The biggest benefit of comparing rate quotes online is the fact that you can find lower rates but still work with a licensed agent.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is submitted to local insurance agents that can give you free Riverside auto insurance quotes for your insurance coverage. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go to your email. If you wish to quote rates for a specific company, you just need to find their quoting web page and fill out the quote form the provide.
Selecting an company should depend on more than just the premium amount. Any agent in Riverside should be forthright in answering these questions:
- Do they have cheaper tiers of coverage?
- How often do they review coverages?
- Do they prorate repair cost based on vehicle mileage?
- What discounts might you be missing?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they able to provide referrals?
- Is the agency involved in supporting local community causes?
If you’re trying to find an insurance agent, you should know the types of agencies and how they can quote your rates. Riverside agents are classified as either exclusive or independent agents depending on their company appointments. Either can sell and service auto insurance coverage, but it is important to understand the difference in the companies they write for because it may have an impact on your selection of an agent.
Exclusive Auto Insurance Agencies
Agents of this type can only provide pricing for a single company like Allstate, State Farm and Farmers Insurance. They generally cannot provide other company’s prices so they have no alternatives for high prices. They are well trained on what they offer which helps them compete with independent agents.
Listed below are Riverside exclusive agencies who may provide you with price quotes.
Jean Sullivan – State Farm Insurance Agent
6511 Brockton Ave – Riverside, CA 92506 – (951) 683-3131 – View Map
Independent Insurance Agents
These agents are not required to write business for one company and that is an advantage because they can write policies with many different companies and find you the best rates. If they find a lower price, your agent can just switch to a different company and you stay with the same agent. If you are comparing auto insurance prices, you will definitely want to include several independent agencies so that you have a good selection of quotes to compare.
Shown below is a short list of independent insurance agencies in Riverside willing to provide comparison quotes.
Best car insurance in California
Finding the top auto insurance company can be a challenge considering how many companies there are to choose from in California. The ranking data listed below can help you analyze which auto insurance companies to look at purchasing a policy from.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Your insurance coverage should be tailored to you
When quoting and choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Your situation is unique so your insurance should reflect that
For example, these questions may help highlight whether you would benefit from professional advice.
- Is motorclub coverage worth it?
- How long can I keep a teen driver on my policy?
- Should I get collision insurance on every vehicle?
- Is water damage covered by my policy?
- What is GAP insurance?
- Should I buy more coverage than the required California minimum liability coverage?
- Should I waive the damage coverage when renting a car?
- Is my babysitter covered when using my vehicle?
- Do I need replacement cost coverage?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.
Auto insurance coverage breakdown
Having a good grasp of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.
Coverage for liability
This will cover damage that occurs to people or other property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 15/30/5 which stand for $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property.
Liability coverage protects against things such as emergency aid, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford. California state law requires minimum liability limits of 15/30/5 but drivers should carry more coverage.
The illustration below shows why buying the state minimum limits may not provide adequate coverage.
Auto collision coverage
Collision insurance pays for damage to your Regal caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible on your Regal to bring the cost down.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Buick Regal.
Because many people have only the minimum liability required by law (which is 15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
Comprehensive auto insurance
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Coverage for medical expenses
Coverage for medical payments and/or PIP kick in for expenses for things like EMT expenses, prosthetic devices, rehabilitation expenses, surgery and ambulance fees. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Don’t give up on cheap rates
You just learned some good ideas how you can shop for Buick Regal insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.
As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. In many cases, drivers have reduced uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.
To read more, feel free to visit these articles:
- Auto Insurance Learning Center (State Farm)
- Who Has Affordable Riverside Auto Insurance Quotes for a 20 Year Old Female? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Hyundai Elantra in Riverside? (FAQ)
- Who Has Affordable Riverside Auto Insurance for a Company Car? (FAQ)
- Child Safety FAQ (iihs.org)
- A Tree Fell on Your Car: Now What? (Allstate)
- What is Full Coverage? (Allstate)