Car Insurance Quotes for a Buick Regal in Lexington

It’s safe to assume that insurance companies don’t want you quoting rates from other companies. People who compare rates annually are very likely to switch to a new company because they have good chances of finding a policy with more affordable rates. A survey found that drivers who routinely compared quotes saved as much as $860 a year as compared to drivers who never shopped around for cheaper prices.

If finding the lowest rates on Buick Regal insurance is why you’re reading this, then knowing how to quote prices and compare insurance premiums can make it easier for you to save money.

Insurance quote for Buick Regal in LexingtonThe best way to get discount Buick Regal insurance in Lexington is to compare prices annually from providers in Kentucky.

The critical component of shopping around is to use similar deductibles and liability limits on every price quote and and to get rates from as many carriers as you can. Doing this enables an accurate price comparison and the best price selection.

Affordable Buick insurance price quotes in Lexington

The companies shown below can provide price quotes in Lexington, KY. If you want to find cheap car insurance in KY, we suggest you compare several of them to get the best price comparison.

Save money by applying these six discounts

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Some discounts apply automatically at quote time, but a few must be inquired about before being credited.

Don’t be shocked that some of the credits will not apply to the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that you could get a free insurance policy, company stockholders wouldn’t be very happy.

Large insurance companies and some of the discounts are:

Before buying, ask all the companies which discounts they offer. Some discounts listed above may not be available in your area. To choose providers that offer some of these discounts in Lexington, follow this link.

How to know if you need help

Keep in mind that when it comes to choosing the best insurance coverage, there really isn’t a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions can aid in determining if you could use an agent’s help.

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Do I need an insurance agency?

A small number of people still like to sit down with an agent and that is OK! The best thing about comparing insurance prices online is that drivers can save money and get lower car insurance rates but also keep your business local. And supporting neighborhood agents is still important in Lexington.

After completing this quick form, your insurance coverage information is instantly submitted to local insurance agents in Lexington who will give you quotes to get your business. You never need to search for an agent since price quotes are sent to you. You can get cheaper insurance rates and an insurance agent to talk to. If you wish to quote rates from a specific company, you would need to visit that company’s website and give them your coverage information.

If you are wanting to find a good insurance agency, there are a couple of different agency structures that you can choose from. Agencies in Lexington can either be exclusive or independent.

Independent Agents (or Brokers)

These type of agents are not employed by one company so they have the ability to put coverage through many companies and find you the best rates. If you are not satisfied with one company, they can switch companies in-house and the insured can keep the same agent. If you are trying to find cheaper rates, we recommend you get insurance quotes from several independent agencies to have the best price comparison. They also have the ability to place coverage with different regional companies who may have lower rates.

Shown below are Lexington independent insurance agents that can give you rate quotes.

More Lexington agents

Exclusive Insurance Agents

Exclusive agents are contracted to one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They are unable to give you multiple price quotes so you might not find the best rates. Exclusive agencies are usually well trained on their company’s products which helps overcome the inability to quote other rates. Consumers sometimes buy insurance from these agents mostly because of the brand legacy rather than low price.

Shown below is a list of exclusive agents in Lexington who can help you get price quotes.

More Lexington agents

Deciding on an car insurance agent should depend on more than just the bottom line cost. The questions below may impact your decision as well.

Kentucky auto insurance companies ranked

Selecting a highly-rated car insurance provider can be difficult considering how many companies there are in Kentucky. The information shown below may help you choose which coverage providers to look at comparing price quotes from.

Best Auto Insurance Companies in Lexington
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
Compare Rates Now Go

Data Source: Best Car Insurance Companies

Auto insurance coverage information

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as X-ray expenses, rehabilitation expenses, ambulance fees, hospital visits and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as 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

Collision coverage

This pays for damage to your Regal from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with another moving vehicle, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible on your Regal to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, hail damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Buick Regal.

Due to the fact that many Kentucky drivers carry very low liability coverage limits (25/50/10 in Kentucky), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/10 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as attorney fees, pain and suffering, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford. Kentucky requires drivers to carry at least 25/50/10 but you should think about purchasing more coverage.

The next chart demonstrates why buying minimum limits may not be adequate.

Don’t give up on cheap coverage

When shopping online for insurance, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced full coverage only to find out that it was a big error on their part. The ultimate goal is to get the best coverage possible for the lowest cost and still be able to protect your assets.

The cheapest Buick Regal insurance in Lexington can be bought on the web and from local agencies, so you need to quote Lexington car insurance with both so you have a total pricing picture. Some insurance companies don’t offer price quotes online and usually these regional insurance providers prefer to sell through independent agents.

We covered many ideas to reduce Buick Regal insurance premium rates online in Lexington. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the best price on insurance is with an unexpected company. Regional companies may often insure only within specific states and give better rates compared to the large companies like Progressive or GEICO.

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