Best Ways to Save on Riverside Buick Regal Insurance

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.

Insurance for Buick RegalThe 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.Discount insurance

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.

Find insurance agent in RiversideTo 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:

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 AveRiverside, CA 92506(951) 683-3131View Map

3333 Central Ave bRiverside, CA 92506(951) 367-1490View Map

10250 Indiana AveRiverside, CA 92503(951) 364-8020View Map

View more agents

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.

1766 University Ave # 104Riverside, CA 92507(951) 682-1200View Map

5586 Mission BoulevardRiverside, CA 92509(951) 684-0494View Map

6200 Van Buren Boulevard #105Riverside, CA 92503(951) 710-1100View Map

View more agents

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.

Top Car Insurance Companies in Riverside
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
Compare Rates Now Go

Data Source: 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 thatSafe vehicles cost less to insure
For example, these questions may help highlight whether you would benefit from professional advice.

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.

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