Compare 1998 Buick Century Car Insurance Quotes

Finding the lowest cost car insurance online is impossible for consumers not familiar with buying insurance on the web. With so many choices of companies competing online, how can anyone effectively compare the different rates to find the best price?

You should take the time to compare rates at least once a year because insurance rates are rarely the same from one policy term to another. Even if you got the lowest price for Century insurance last year a different company probably has better rates today. There is too much inaccurate information about car insurance on the web, but by reading this article, you’re going to learn a lot of great tips on how to slash your car insurance rates.

Choosing the best insurance company for you is not that difficult. Essentially everyone who buys auto insurance stands a good chance to be able to lower their premiums. But car owners need to have an understanding of how the larger insurance companies sell online because it can help you find the best coverage.

Low Cost Car Insurance

Shopping for lower car insurance rates can take time and effort if you don’t know the easiest way. You can waste a lot of time talking about coverages with agents in your area, or you can stay home and use online quotes to maximize your effort.

The majority of car insurance companies take part in a program where prospective buyers submit one quote, and each participating company returns a competitive quote. This prevents consumers from doing quote forms to each company.

To compare pricing click here (opens in new window).

The one disadvantage to comparing rates this way is you are unable to specify the insurers you will receive quotes from. So if you prefer to pick individual companies to compare rates, we have a page of companies who write car insurance in your area. View list of insurance companies.

However you get your quotes, ensure you’re using exactly the same coverage limits on every quote you get. If you compare different values for each quote it’s impossible to determine which rate is truly the best. Just a small difference in insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, obtaining a wide range of quotes gives you a better chance of getting a better price.

Don’t believe everything you hear

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all make an identical promise of big savings after switching your policy. How do they all make the same claim?

Different companies can use profiling for the right customer that earns them a profit. A good example of a profitable customer could be over the age of 40, a clean driving record, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who fall outside the “perfect” profile will be quoted higher prices which leads to the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save money. That is how insurance companies can make those claims. This emphasizes why drivers should compare many company’s rates. Because you never know which company will provide you with the cheapest Buick Century insurance rates.

Best discounts on Buick Century coverage

Car insurance companies don’t list all available discounts very well, so we took the time to find both well-publicized and the more hidden savings tricks you should be using.

  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Century insurance than their less cautious counterparts.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiration. This can save 10% or more.
  • Bundle and Save – When you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • No Charge for an Accident – Certain companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Homeowners Savings – Owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Senior Discount – Mature drivers may be able to get reduced rates for Century insurance.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

For a list of insurance companies who offer auto insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique.

For example, these questions can aid in determining if you may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does coverage extend to a rental car in a foreign country?
  • Am I insured when driving a different vehicle?
  • What is covered by UM/UIM coverage?
  • I don’t drive much so do I pay less?
  • Do I need an umbrella policy?
  • Will my insurance pay for OEM parts?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance policy coverages for a Buick Century

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Collision insurance

Collision coverage covers damage to your Century caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, hitting a mailbox and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise 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 then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, damage from a tornado or hurricane and damage from flooding. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage pay for expenses such as prosthetic devices, rehabilitation expenses and X-ray expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Century.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverage

Liability coverage can cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like loss of income, medical services, emergency aid and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Quote more, save more

Discount 1998 Buick Century insurance is attainable from both online companies and with local insurance agents, so you should compare both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

Throughout this article, we presented a lot of tips how to get a better price on insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the best prices are with the smaller companies.

Drivers change insurance companies for a number of reasons such as not issuing a premium refund, questionable increases in premium, unfair underwriting practices and even an unsatisfactory settlement offer. Whatever your reason, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

Additional detailed information can be found in these articles: