Car owners fed up with high insurance rates and are new to buying car insurance online will discover sourcing affordable insurance to be a formidable task.
It’s important to quote other rates every six months since insurance rates go up and down regularly. If you had the lowest premium rates for Century coverage a couple years back there is a good chance you can find better prices now. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the best ways to find the best coverage while lowering your premiums.
If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Buying the lowest cost car insurance coverage can be fairly easy. But drivers need to have an understanding of how big insurance companies market insurance on the web and apply this information to your search.
Effectively comparing insurance prices can be a daunting task if you aren’t aware of the best way to get rate quotes. You could waste a few hours driving to insurance agencies in your area, or you could save time and use the internet to get prices fast.
Most major companies belong to an insurance system where prospective buyers submit their information once, and each company can provide price quotes determined by their information. This system prevents you from having to do repetitive form submissions to each company.
To fill out one form to compare multiple rates now click here (opens in new window).
The only downside to using this type of form is that consumers can’t choose the companies you want to price. If you prefer to choose specific providers to receive pricing from, we put together a list of low cost insurance companies in your area. Click here to view list.
Take whichever approach you prefer, but compare identical quote information on every quote. If your comparisons have different values for each quote you will not be able to make a fair comparison for your Buick Century. Just slight variations in limits may result in large price differences. And when comparing insurance rates, know that quoting more helps increase your odds of locating a lower rate.
Companies don’t always list every discount they offer in a way that’s easy to find, so we took the time to find both well-publicized in addition to some of the lesser obvious car insurance savings.
Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like you can get free auto insurance, companies don’t profit that way. But all discounts will positively reduce your overall bill.
Insurance companies that may include some of the discounts shown above may include but are not limited to:
It’s a good idea to ask every insurance company the best way to save money. Depending on the company, some discounts may not be available in your area. If you would like to see a list of car insurance companies with discount car insurance rates, click this link.
Lots of factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving record, although others are less obvious like your vehicle usage and annual miles driven.
The list below includes some of the items that factor into rates.
When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different.
These are some specific questions can help discover if your insurance needs might need an agent’s assistance.
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Respected companies like State Farm and Allstate continually stream ads on television and other media. All the ads advertise the message that you can save if you move to them. How is it possible that every company can lower your rates? It’s all in the numbers.
Companies have specific criteria for the type of insured that earns them the highest profit. An example of a profitable customer could be between 25 and 40, owns their home, and drives a vehicle with a low ISO rating. A driver who matches those parameters will get low premium rates and will also save when they switch companies.
Potential customers who do not fit these stringent criteria may be required to pay higher premiums and this can result in business not being written. The trick is to say “drivers who switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can confidently make claims like that. Because of this risk profiling, it’s extremely important to compare many company’s rates. It’s impossible to know which insurance companies will fit your personal profile best.
Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
Medical expense insurance
Coverage for medical payments and/or PIP provide coverage for bills for EMT expenses, prosthetic devices and dental work. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Collision insurance
This pays for damage to your Century resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against claims such as colliding with a tree, driving through your garage door, crashing into a ditch, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.
Liability coverages
This coverage will cover injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability can pay for claims like attorney fees, medical services, legal defense fees and funeral expenses. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Buick Century.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as damage from flooding, rock chips in glass and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Drivers change insurance companies for a variety of reasons including high prices, extreme rates for teen drivers, high rates after DUI convictions or delays in responding to claim requests. Regardless of your reason, choosing a new insurance company can be less work than you think.
When searching for the cheapest insurance quotes, never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped full coverage and discovered at claim time that it was a big mistake. The goal is to buy enough coverage at the best price while still protecting your assets.
More affordable auto insurance is definitely available online and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide rates over the internet and usually these smaller companies work with local independent agencies.