Buick Regal Insurance Rates in Portland

Discount Buick Regal insuranceThe preferred way to find low-cost prices for car insurance rates in Portland is to regularly compare price quotes from insurers in Oregon. You can shop around by completing these steps.

An important part of this process is to use the same coverage limits and deductibles on every price quote and to quote with every insurance company. This helps ensure a level playing field and the best rate selection.

It’s hard to fathom, but the vast majority of drivers have purchased from the same company for well over three years, and nearly the majority have never even compared quotes to find cheaper rates. Drivers in Oregon could save an average of nearly $1,000 each year just by shopping around, but they just assume it takes a lot of time to find cheaper car insurance rates.

Finding cheaper car insurance rates is not a difficult process. Consumers just need to take a few minutes comparing price quotes to find the company with cheaper Portland auto insurance quotes.

It’s so easy to compare rates online that it makes it a waste of time to drive to insurance agencies in your area. The ability to get quotes online can eliminate the need for a local agent unless you have a need for the advice and guidance of a local agency. Drivers can compare online quotes and have a local agent actually service the policy.

The companies shown below are our best choices to provide price quotes in Oregon. If you wish to find the best cheap car insurance in Portland, OR, we recommend you compare several of them in order to find the most affordable rates.

Save a ton with discounts

Car insurance is not an enjoyable expense, but you may find discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but some need to be specially asked for in order for you to get them. If you aren’t receiving every discount available, you are not getting the best rate possible.Save money with discounts

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it’s just not the way it works.

To choose insurers offering car insurance discounts in Oregon, click here.

When to contact an insurance agent

Many people would prefer to sit down with an agent and that is not a bad decision Professional agents are trained risk managers and help submit paperwork. An additional benefit of getting online price quotes is you may find better rates but also keep your business local. Putting coverage with neighborhood insurance agencies is still important in Portland.

Insurance agents in PortlandOnce you complete this form (opens in new window), your coverage information is immediately sent to agents in your area who want to provide quotes to get your business. There is no need to even leave your home because prices are sent immediately to your email address. If you want to compare prices from a particular provider, don’t hesitate to jump over to their website and complete a quote there.

Below are Portland car insurance companies that can give you price quote information for Buick Regal insurance in Portland.

10402 NE Sandy BlvdPortland, OR 97220(503) 256-2020View Map

6720 NE Glisan StPortland, OR 97213(503) 252-1608View Map

6305 SE Powell BlvdPortland, OR 97206(503) 771-2579View Map

8085 SE 16th AvePortland, OR 97202(503) 235-1545View Map

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Deciding on a insurance company is decision based upon more than just a cheap price. Any agent in Portland should have no problem answering these questions:

Four Tips to Get Lower-cost Portland Insurance Rates

The best way to find cheaper car insurance is to take a look at some of the elements that are used to determine the level of your policy premiums. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower rates.

The following are some of the things used by your company to calculate rates.

Teen drivers pay high prices – Older insureds are shown to be more cautious, cause fewer claims and accidents, and are safer drivers. Teenage drivers are proven to be inattentive when driving so they pay higher car insurance rates.

Better premiums on vehicles with better crash test results – Cars with high safety ratings tend to have lower insurance rates. These vehicles reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less and more competitive rates for policyholders. If your Buick has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.

Performance makes a difference – The performance level of the car you are insuring makes a huge difference in your rates. Lower performance four cylinder passenger models normally have pretty low rates, but other factors influence the final cost greatly.

Single drivers take more risk – Walking down the aisle actually saves money compared to being single. Having a spouse demonstrates that you tend to be more mature and responsible and it’s statistically proven that being married results in fewer claims.

Insurance losses for a Buick Regal – Companies use historical loss data as a tool for profitable underwriting. Models that have higher frequency or amount of claims will have a higher premium rate. The table shown below demonstrates the historical insurance loss data for Buick Regal vehicles.

For each coverage type, the claim amount for all vehicles averaged together is a value of 100. Values that are 100 or less suggest a better than average loss history, while numbers that are greater than 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

Insurance Loss Ratings for Buick Regal Vehicles
Vehicle Make and 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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Protect your vehicle and other assets

Despite the potentially high cost of Buick Regal insurance, insuring your vehicle may be required and benefits you in several ways.

The benefits of insuring your Regal are definitely more than the cost, particularly for liability claims. But the average American driver is overpaying over $700 annually so you should quote your policy with other companies every year to make sure the price is not too high.

What is the best auto insurance company in Portland?

Choosing the top insurance provider is difficult considering how many different companies sell coverage in Portland. The ranking information in the next section may help you pick which insurers you want to consider when comparing rate quotes.

Top 10 Portland Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. GEICO – A++
  4. State Farm – A++
  5. The Hartford – A+
  6. Esurance – A+
  7. Nationwide – A+
  8. Allstate – A+
  9. Mercury Insurance – A+
  10. Titan Insurance – A+

Top 10 Portland Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Progressive
  5. Liberty Mutual
  6. GEICO
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. Mercury Insurance

Persistence will pay off

When getting Portland auto insurance quotes online, do not buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice collision coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage for the lowest price.

Affordable Buick Regal insurance in Portland can be found online as well as from independent agents in Portland, and you should be comparing both to have the best rate selection. Some companies do not provide internet price quotes and usually these regional carriers provide coverage only through independent agents.

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