Cheaper 1993 Buick Century Insurance Rates

Having to pay for overpriced Buick Century insurance can dwindle your personal savings and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to make sure you’re not throwing money away.

Popular companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

Consumers need to compare prices every six months because prices tend to go up over time. Even if you think you had the best rates for Century insurance two years ago you will most likely find a better rate today. So ignore everything you know about insurance coverage because you’re about to learn the easiest way to properly buy coverages and cut your premium.

Lots of discounts mean lots of savings

Companies don’t list all their discounts very well, so we researched both the well known and the more hidden car insurance savings.

  • One Accident Forgiven – A few companies will allow you to have one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Multiple Policy Discount – When you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Good Student Discount – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies before your current expiration date. It’s a savings of about 10%.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Century insurance depending on your company.
  • Memberships – Participating in a qualifying organization could qualify you for a break on car insurance for Century insurance.

It’s important to note that most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

A partial list of companies that may offer these benefits are:

Check with every prospective company which discounts you may be entitled to. All car insurance discounts may not be available in every state.

Comparison of Insurance Coverage

There are several ways to compare Buick Century insurance coverage prices but one way is less time-consuming than others. You can spend countless hours talking about coverages with agents in your area, or you can utilize online quoting to get pricing more quickly.

Many popular insurance companies participate in a marketplace that enables customers to send in one quote, and at least one company returns a rated price. This saves time by eliminating repetitive form submissions for every insurance coverage company.

To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to comparing rates this way is you are unable to specify which carriers you will receive quotes from. So if you prefer to choose specific providers to receive pricing from, we have a listing of insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverages for every quote you compare. If the quotes have different liability limits it will be next to impossible to make a fair comparison for your Buick Century. Slightly different insurance coverages could mean much higher rates. Just keep in mind that getting more free quotes will improve the odds of getting the best offered rates.

Buick Century premiums are determined by many factors

It’s important that you understand the factors that go into determining auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that can help you get lower auto insurance prices.

Listed below are a partial list of the pieces companies use to determine your rates.

  • Drive a safer car and pay less – Cars with high safety ratings are cheaper to insure. The safest vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Buick Century earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Younger drivers pay higher rates – Young drivers are known to get distracted easily when driving so they pay higher auto insurance rates. Having to add a teen driver to your policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and receive fewer citations.
  • High deductibles save money – The deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The more you’re willing to pay, the less your auto insurance will be for Century insurance.
  • Males pay more for insurance – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Women and men have accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations such as reckless driving.
  • Pay less if you’re married – Having a spouse can actually save you money on your auto insurance policy. Marriage means you’re more mature and statistics show married drivers get in fewer accidents.
  • Where you live can impact rates – Choosing to live in a rural area has it’s advantages when it comes to auto insurance. City drivers have to deal with congested traffic and longer commutes to work. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.

Situations that might require an agent

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining if you may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • How much liability coverage do I need in my state?
  • Can I afford to buy a different vehicle if my 1993 Buick Century is totaled?
  • When would I need additional glass coverage?
  • Am I missing any policy discounts?
  • Do I have newly-aquired coverage?
  • What is PIP insurance?
  • How do I buy GAP insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage specifics

Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Buick Century.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, sideswiping another vehicle, hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, theft and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as pain medications, ambulance fees, X-ray expenses and doctor visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability insurance

This protects you from damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like funeral expenses, attorney fees, loss of income and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Save for a rainy day

Lower-priced 1993 Buick Century insurance is possible both online and with local insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability coverage limits and found out when filing a claim that it was a big mistake. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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