How long has it been since you compared quotes for more affordable Buick Regal insurance in San Antonio? Searching for discount San Antonio Buick Regal insurance quotes on the web may be overwhelming for vehicle owners that are not comfortable with quoting and online price comparisons. Since there are so many insurers available, how can San Antonio drivers have time to compare every possible option in order to find the lowest rates?
A recent insurance study revealed that nearly 70% of drivers have remained with the same insurance company for well over three years, and nearly 40% of drivers have never compared rate quotes at all. Consumers in Texas can cut their rates by almost 70% a year just by comparing rates, but most just don't grasp the rate savings if they switched.
How to get the cheapest Buick Regal insurance in San Antonio, Texas
Keep in mind that comparing more prices helps you find more affordable insurance.
The following companies are our best choices to provide price comparisons in Texas. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.
Choosing the best vehicle insurance in Texas is an important decision
Despite the potentially high cost of Buick Regal insurance, buying car insurance is most likely required but also gives you several important benefits.
First, just about all states have mandatory insurance requirements which means the state requires a specific level of liability insurance in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Regal has a loan, it's guaranteed your bank will require that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Buick at a significantly higher premium and require you to reimburse them a much higher amount than you were paying before.
Third, insurance protects your car and your assets. It will also reimburse you for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability insurance will also pay for a defense attorney if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of buying enough insurance greatly outweigh the cost, particularly for liability claims. Unknowingly, the average driver is wasting up to $800 each year so you should quote rates every year to ensure rates are inline.
Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as surgery, dental work, nursing services, funeral costs and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like hitting a deer, falling objects and rock chips in glass. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Auto collision coverage
Collision coverage covers damage to your Regal resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims such as scraping a guard rail, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your Regal to save money on collision insurance.
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle's damage.
Since many Texas drivers carry very low liability coverage limits (30/60/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Coverage for liability
This coverage protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 30/60/25 that means you have $30,000 in coverage for each person's injuries, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged property.
Liability coverage protects against things such as structural damage, bail bonds, emergency aid and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible. Texas requires minimum liability limits of 30/60/25 but it's recommended drivers buy better liability coverage.
The illustration below shows why buying the state minimum limits may not be adequate coverage.