1991 Buick Century Insurance Quotes – 8 Discounts for Cheapest Rates

Are you sick and tired of paying out the nose to buy car insurance? You’re in the same situation as most other car owners. Having so many insurance companies to choose from, it can be impossible to choose the lowest cost insurance company.

It’s important to check insurance prices every six months since rates are adjusted regularly by insurance companies. Even if you think you had the best price for Century insurance on your last policy you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about insurance because I’m going to teach you one of the easiest ways to find better rates and still maintain coverage.

Choosing the best insurance company for you is not that difficult. If you have a policy now or are just looking to switch companies, you can use these tips to shop for the lowest rates and possibly find even better coverage. Drivers only need to know the proper way to shop for insurance coverage on the web.

Don’t miss out on these eight money-saving discounts

Auto insurance companies don’t necessarily list every available discount very clearly, so here is a list both well-publicized as well as the least known car insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Save over 55 – If you qualify as a senior citizen, you may receive a small decrease in premiums for Century insurance.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies before your current expiration date. It’s a savings of about 10%.
  • Safety Course Discount – Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Clubs and Organizations – Being a member of a qualifying organization may earn a discount when buying car insurance for Century insurance.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Drivers Education – Have your child take driver’s ed class if it’s offered in school.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies who might offer these discounts are:

Check with each insurance company how you can save money. All car insurance discounts may not be available in your state.

Insurance Coverage Prices

Getting better 1991 Buick Century insurance coverage pricing can be surprisingly simple. Just take the time comparing rate quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

  • One of the best ways to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do repetitive form submissions to each individual insurance coverage company. Completing one form gets you coverage quotes from several companies.
  • A slightly less efficient method to find lower rates requires visiting each company’s website to complete a price quote. For sake of this example, we’ll assume you want to compare rates from Auto-Owners, GEICO and Allstate. To get each rate you have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The hardest way of getting rate comparisons is to drive around to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you require the professional advice only provided by licensed agents. Drivers can get the lowest quotes online and get advice from an agent in your area. We’ll cover that shortly.

It’s up to you which method you use, but compare identical coverage limits and deductibles on every quote you get. If your comparisons have different values for each quote you can’t possibly decipher which rate is best.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Does medical payments coverage apply to all occupants?
  • What are the best liability limits?
  • Do I need PIP coverage since I have good health insurance?
  • Does my 1991 Buick Century need full coverage?
  • What is high-risk coverage and where do I buy it?
  • Does liability extend to a camper or trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is a fancy paint job covered?
  • Will my rates increase for filing one claim?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance policy coverages for a Buick Century

Having a good grasp of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance – Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, legal defense fees, medical expenses, loss of income and bail bonds. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like rehabilitation expenses, chiropractic care, funeral costs and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverages – This pays for damage to your Century caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, colliding with a tree, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, theft and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Be a money saver!

We’ve covered many ways to reduce 1991 Buick Century insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best prices are with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

Budget-conscious insurance is possible from both online companies and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at a price you can afford.

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