2001 Buick Century Insurance Rates – 8 Tips to Save

Want lower insurance coverage rates for your Buick Century? Have you fallen victim to overpriced insurance coverage? Trust us, many consumers feel financially strained by their insurance coverage policy.

Drivers have so many auto insurance companies to buy insurance from, and even though it’s nice to have a choice, too many choices makes it more difficult to find a good deal.

Which Auto Insurance is Cheapest?

Comparing auto insurance rates can be a daunting task if you don’t know the best way to get rate quotes. You could spend your day driving to local insurance agents in your area, or you could use the internet to get pricing more quickly.

Many popular insurance companies belong to a marketplace where prospective buyers submit one quote, and every company provides a quote based on that information. This saves time by eliminating form submissions to each company.

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

The one downside to doing it this way is you are unable to specify which providers you want to price. So if you want to choose from a list of companies to compare prices, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make sure you use apples-to-apples coverage information for every quote you compare. If each company quotes different values for each quote it’s not possible to truly determine the lowest rate. Having just a slight variation in limits may result in a large different in cost. And when price shopping your coverage, more quotes helps you find the best offered rates.

Save big with these eight discounts

Insuring your vehicles can cost a lot, but there could be available discounts that many people don’t even know exist. Most are applied when you purchase, but a few must be asked for prior to getting the savings.

  • Auto/Home Discount – When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiring. This can save 10% or more.
  • New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • No Accidents – Good drivers with no accidents pay less when compared with drivers who are more careless.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Driver Safety – Taking part in a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.

Keep in mind that some of the credits will not apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will cut your overall premium however.

Insurance companies that may offer these money-saving discounts are:

Double check with each company which discounts you may be entitled to. Discounts may not be available in your area.

But I don’t know anything about car insurance

When it comes to choosing adequate coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions could help you determine if you may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • What if I total my 2001 Buick Century and owe more than it’s worth?
  • Am I covered when delivering products for my home-based business?
  • What is the rate difference between pleasure use and commuting?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What are the financial responsibility laws in my state?
  • How high should deductibles be on a 2001 Buick Century?
  • Who is covered by my policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance policy coverages for a 2001 Buick Century

Understanding the coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Coverage for collisions

This pays for damage to your Century resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, crashing into a building, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM 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.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, ambulance fees, pain medications and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as funeral expenses, structural damage, repair bills for other people’s vehicles, emergency aid and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, theft, hitting a bird and vandalism. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Don’t throw your cash in the trash

Discount 2001 Buick Century insurance can be purchased from both online companies and with local insurance agents, so you should compare both so you have a total pricing picture. A few companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at the best price.

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