When trying to find cheaper insurance, are you intimidated by the number of insurance sources available to you? North Carolina vehicle owners have such a large number of options that it is a big hassle to find the best insurance rates for Buick Regal insurance in Greensboro. Lots of people think Greensboro is a good city to live in, but inflated insurance rates can make it impossible to stay on budget.
Steps to finding low-cost Buick Regal insurance in Greensboro
If you want to save the most money, the best way to get the cheapest Buick Regal insurance is to make a habit of regularly comparing prices from providers who provide auto insurance in Greensboro.
- Read about how insurance companies determine prices and the steps you can take to keep rates in check. Many things that result in higher rates such as speeding tickets, accidents and an imperfect credit rating can be amended by improving your driving habits or financial responsibility. Continue reading for more details to get low prices and find missing discounts.
- Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like GEICO and Allstate, while independent agents can quote prices from many different companies.
- Compare the new rate quotes to your existing coverage to determine if you can save on Regal insurance. If you find a lower rate, make sure there is no coverage gap between policies.
- Notify your agent or company to cancel your current car insurance policy and submit the completed application along with a down payment for your new policy. Make sure you place your new certificate verifying coverage in an easily accessible location.
One key aspect when comparing rates is that you’ll want to make sure you compare the same amount of coverage on each quote request and and to compare every company you can. This provides an apples-to-apples comparison and a thorough price selection.
We don’t have to point out that fact that car insurance companies want to prevent you from shopping around. Drivers who shop around are very likely to move their business because there is a great chance of finding a cheaper policy. A recent survey discovered that consumers who compared rate quotes regularly saved about $860 a year compared to policyholders who don’t regularly compare prices.
If finding the best rates on Buick Regal insurance in Greensboro is your ultimate objective, then having some insight into the best way to shop and compare coverage rates can make it easier for you to save money.
It’s important to compare premium rates at least once a year due to the fact that insurance prices are constantly changing. Just because you had the lowest rate on Buick Regal insurance in Greensboro a few years ago you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate one of the quickest ways to get good coverage on Buick Regal insurance in Greensboro at a lower rate.
If you are insured now, you should be able to save money using the ideas covered in this article. Comparing quotes for affordable car insurance coverage in Greensboro is not as difficult as people think. Nevertheless, North Carolina consumers do need to know how insurance companies market insurance on the web because rates fluctuate considerably.
All the larger insurance companies such as State Farm and Allstate make it easy to get price estimates on their websites. Comparing Buick Regal insurance rates online is fairly straightforward as you just enter your required coverages into the quote form. Upon sending the form, the quote system requests credit information and your driving record and returns pricing information based on the data you entered.
This makes comparing rates easy, and it is imperative to compare as many rates as possible if you are searching for the most affordable possible premiums on insurance.
To use this form to compare rates, compare rates now from the companies shown below. If you have your current policy handy, we recommend you copy deductibles and limits identical to your current policy. Doing this guarantees you are getting comparison quotes using the exact same coverages.
The companies shown below are our best choices to provide price comparisons in North Carolina. To find the cheapest car insurance in Greensboro, we recommend you visit two to three different companies in order to find the most affordable rates.
Why you need insurance for your Buick vehicle
Even though it’s not necessarily cheap to insure a Buick in Greensboro, auto insurance is required for several reasons.
- The majority of states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability protection if you drive a vehicle. In North Carolina 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.
- If your Buick Regal has a loan, almost all lenders will stipulate that you have comprehensive coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender will be forced to insure your Buick at a much higher rate and make you pay the higher price.
- Auto insurance protects both your Buick Regal and your assets. Insurance will also pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of an accident. If your Buick gets damaged, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance are definitely more than the cost, specifically if you ever have a liability claim. As of last year, the average driver in North Carolina is wasting up to $825 a year so we recommend shopping around each time the policy renews to ensure rates are competitive.
What Affects Buick Regal Insurance Prices?
Lots of things are part of the equation when pricing auto insurance. Some factors are common sense like an MVR report, but other factors are not as apparent such as whether you are married and annual miles driven. One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that are used to determine the rates you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that could result in much lower annual insurance costs.
More miles driven equals more premium – The higher the mileage driven each year the higher your rates will be. A lot of insurance companies calculate prices based on their usage. Cars that do not get driven very much receive better premium rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Regal can result in significantly higher rates. It’s a good idea to make sure your car insurance declarations sheet reflects the correct usage for each vehicle.
When should you file car insurance claims? – If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Companies in North Carolina give the best rates to insureds who are claim-free. Your insurance policy is intended for claims that you cannot pay yourself.
Liability is critical – Your car insurance policy’s liability coverage will provide protection when you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should carry high limits.
Never let your policy expire – Driving without insurance is a big no-no and any future policy may cost more because you let your coverage have a gap. Not only will you pay more, being ticketed for driving with no insurance may result in a revoked license or a big fine.
Buick Regal insurance claim data – Auto insurance companies analyze claim trends for every vehicle when setting rates for each model. Models that the data determines to have higher losses will have a higher premium rate. The table below outlines the insurance loss data used by companies for Buick Regal vehicles.
For each policy coverage, the loss probability for all vehicles, as an average, is equal to 100. Values that are 100 or less suggest losses that are better than average, while values that are above 100 point to more frequent losses or larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Buick Regal 2WD | 96 | 92 | 82 | 104 | 94 | 97 |
| Buick Regal 4WD | 113 | 87 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Lower rates by qualifying for discounts
Insuring your fleet can be pricey, but you can get discounts that can dramatically reduce your bill. Some discounts apply automatically at the time of purchase, but occasionally some discounts must be asked for before you get the savings.
- Accident Forgiveness Coverage – Not really a discount, but companies like GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident before they charge you more for coverage so long as you are claim-free for a specific time period.
- Telematics Discount – Policyholders that allow driving data submission to scrutinize vehicle usage by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction as long as they are good drivers.
- ABS Brakes – Cars and trucks with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
- Defensive Driver Discounts – Completing a driver safety class could possibly earn you a 5% discount if your company offers it.
- Professional Organizations – Belonging to a professional or civic organization may earn a discount when getting a Greensboro car insurance quote.
- Military Rewards – Having an actively deployed family member may lower your rates slightly.
Policy discounts save money, but some credits don’t apply to the whole policy. Some only reduce specific coverage prices like comp or med pay. Just because you may think you can get free auto insurance, nobody gets a free ride. But all discounts will help reduce the premium cost.
A few companies that may have these money-saving discounts include:
When quoting, ask all the companies the best way to save money. Savings might not be available to policyholders in your area. To find insurers that provide some of the discounts listed above in Greensboro, follow this link.
Car insurance agents can help
Some people just want to get professional advice from a licensed agent and there is nothing wrong with that. A good thing about comparing car insurance online is you can get cheaper rates and still buy from a local agent.
After filling out this short form, your insurance data is sent to local insurance agents who will gladly provide quotes for your business. You won’t even need to leave your computer because prices are sent directly to you. You can get cheaper car insurance rates and a licensed agent to work with. If you have a need to quote rates from one company in particular, you just need to go to their quote page and fill out the quote form the provide.
Finding a good insurance company needs to be determined by more than just the quoted price. Get answers to these questions too.
- How often do they review coverages?
- Does their agency support local causes in Greensboro?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do you qualify for any additional discounts?
- Will the agent or a CSR service your policy?
- Are they paid to recommend certain coverages?
- Is auto insurance their primary focus in Greensboro?
- Can glass repairs be made at your home?
If you’re trying to find a reliable agent, it’s helpful to know the different agency structures to choose from. Car insurance agents are classified as either exclusive agents or independent agents.
Exclusive Agents
Exclusive agents normally can only provide a single company’s rates and examples are American Family, State Farm, and Allstate. These agents are unable to shop your coverage around so keep that in mind. Exclusive agents receive extensive training on their company’s products which helps offset the inability to provide other markets. Some insured continue to choose to use a exclusive agent primarily because of the brand name rather than low rates.
Below is a list of exclusive agents in Greensboro that are able to give comparison quotes.
- Archie Herring – State Farm Insurance Agent
1175 Revolution Mill Dr Suite 12 – Greensboro, NC 27405 – (336) 274-8434 – View Map - Allstate Insurance: Kayode Abimbola
603 Summit Ave #101 – Greensboro, NC 27405 – (336) 273-6363 – View Map - John Klopp – State Farm Insurance Agent
401 Battleground Ave – Greensboro, NC 27401 – (336) 268-9000 – View Map
Independent Car Insurance Agencies
Agents that choose to be independent are not required to write business for one company and that enables them to quote your coverage with an assortment of companies enabling the ability to shop coverage around. If you want to switch companies, they simply switch companies in-house and you don’t have to switch agencies.
When comparing rate quotes, you absolutely need to compare quotes from independent agents to ensure the widest selection of prices. Most have the option of insuring with companies you’ve never heard of that many times have cheaper rates.
Below is a list of independent agencies in Greensboro who can help you get price quotes.
- Triad Insurance Partners
905 McClellan Pl – Greensboro, NC 27409 – (800) 701-5909 – View Map - Latorre Insurance
4131 Spring Garden St – Greensboro, NC 27407 – (336) 609-7027 – View Map - The Beacon Insurance Group
1515 W Cornwallis Dr Suite 206 – Greensboro, NC 27408 – (336) 378-0740 – View Map
Car insurance companies ranked
Selecting a high-quality company can be difficult considering how many companies sell coverage in Greensboro. The company information below may help you choose which auto insurers you want to consider comparing price quotes from.
| 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 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cheap auto insurance rates are possible
When you buy Greensboro car insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped physical damage coverage and discovered at claim time that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at the best cost.
Drivers change insurance companies for many reasons like denial of a claim, being labeled a high risk driver, delays in paying claims or even lack of trust in their agent. Whatever your reason, finding a great new company is easier than you think.
We covered a lot of ways to find cheaper Buick Regal insurance in Greensboro. The most important thing to understand is the more price quotes you have, the better likelihood of getting low cost Greensboro car insurance quotes. Consumers could even find that the lowest car insurance rates come from some of the lesser-known companies.
Steps to finding affordable quotes for Buick Regal insurance in Greensboro
To save the most money, the best way to get more affordable Buick Regal insurance is to make a habit of comparing prices annually from companies that sell auto insurance in Greensboro.
First, take a little time to learn about how companies set rates and the measures you can control to prevent high rates. Many rating factors that cause high rates such as getting speeding tickets and poor credit history can be eliminated by making minor changes in your lifestyle.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like GEICO and Allstate, while independent agents can provide prices from multiple companies.
Third, compare the new rates to the premium of your current policy to see if cheaper Regal coverage is available in Greensboro. If you can save money and change companies, ensure there is no coverage lapse between policies.
Fourth, give notification to your current company to cancel your current car insurance policy and submit a signed application and payment to your new insurance company. As soon as you can, place your new proof of insurance paperwork in an easily accessible location in your vehicle.
The critical component of shopping around is that you’ll want to make sure you compare the same liability limits and deductibles on each quote and and to get rates from all possible companies. This helps ensure a fair price comparison and the best price quote selection.
For more information, link through to the articles below:
- Bodily Injury Coverage (Liberty Mutual)
- Who Has Cheap Greensboro Auto Insurance for 19 Year Olds? (FAQ)
- How Much is Auto Insurance for a Ford Escape in Greensboro? (FAQ)
- Who Has Cheap Auto Insurance Rates for Handicapped Drivers in Greensboro? (FAQ)
- Understanding your Policy (NAIC.org)
- Information for Teen Drivers (GEICO)