Save on 1992 Buick Century Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Buick Century? Finding cheaper insurance for a Buick Century can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to shop for insurance coverage and we’ll show you the best way to quote coverages for a new or used Buick and get the lowest possible price from both online companies and local agents.

Consumers need to compare prices as often as possible because prices fluctuate regularly. Even if you got the lowest quotes on Century coverage a few years ago other companies may now be cheaper. You can search a lot of insurance coverage online, but we’re going to give you some good information on how to find cheap insurance coverage.

Shopping for the cheapest insurance coverage coverage can be fairly easy. If you are insured now or are shopping for new coverage, you can use these tips to cut your premiums and possibly find even better coverage. Drivers just need to understand the most efficient way to compare rates online.

How to buy insurance coverage

Effectively comparing insurance coverage prices can be challenging if you don’t utilize the fastest way to get free quotes. You can spend countless hours talking to insurance agencies in your area, or you could use the web to accomplish the same thing much quicker.

All the larger companies belong to a marketplace that allows shoppers to send in one quote, and each participating company then gives them pricing based on that information. This prevents consumers from doing repetitive form submissions to each individual insurance coverage company.

To enter your information into the quoting system, click to open in new window.

The single downside to doing it this way is that you can’t choose which providers to get pricing from. So if you prefer to pick individual companies to request quotes from, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

Whichever way you choose to compare rates, be sure you’re using identical coverage data for each quote you get. If you use mixed coverages you will not be able to get a fair rate comparison.

Big names are not always cheapest

Consumers can’t avoid all the ads that claim the lowest prices from companies such as Progressive, Allstate and Geico. All the companies convey the message that people will save after switching your policy.

How does every company offer drivers better rates? It’s all in the numbers.

Different companies provide the lowest rates for the type of driver that will most likely be profitable. For instance, this type of risk profile could be over the age of 50, has never had a claim, and has excellent credit. A customer who meets those qualifications may get the lowest premium rates and will most likely save when they switch companies.

Potential insureds who cannot meet these stringent criteria may be required to pay a higher rate and this can result in the customer not purchasing. The ads say “customers who switch” not “everyone that quotes” save the amount stated. This is how companies can make claims that they all have the best car insurance rates.

This really drives home the point why drivers must get insurance quotes as often as possible. Because you cannot predict with any certainty which company will fit you best based on your risk profile.

What impacts Buick Century insurance prices?

The best way to find cheaper insurance coverage is to take a look at some of the elements that are used to determine insurance coverage rates. When you understand what positively or negatively impacts your premiums, this enables informed choices that could help you find better insurance coverage rates. Many different elements are considered when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although others are more obscure like where you live or your financial responsibility.

The list below includes just a few of the factors utilized by car insurance companies to help set your rate level.

  • Low coverage deductibles cost more – Physical damage deductibles define how much you are willing to pay before your insurance coverage pays a claim. Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some coverage claims would be collision with another vehicle, damage from fire, and having a roll-over accident. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on Century coverage.
  • Keep the miles off and save – The more you drive your Buick in a year’s time the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos left parked in the garage can be on a lower rate level than cars that get driven a lot. Having an incorrect usage rating on your Century is throwing money out the window. Double check that your insurance coverage coverage reflects annual mileage, because improper ratings can cost you money.
  • Older drivers pay less – Teen drivers are known to be inattentive when at the wheel of a vehicle so insurance coverage rates are higher. If you’ve ever had to add a first-time driver onto your insurance coverage can increase premiums substantially. Mature drivers are more responsible, cause fewer claims and accidents and are safer drivers.
  • Alarm systems save money – Choosing to buy a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your car from being stolen.
  • Lower rates with a multi-policy discount – Most major insurers apply better rates to buyers that purchase more than one policy. It’s known as a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, drivers will still want to comparison shop to make sure you are getting the best deal.
  • Men pay more for insurance coverage – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. They both cause auto accidents in similar percentages, but guys tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations like driving under the influence (DUI).
  • Liability protection is peace of mind – Liability insurance is the coverage that protects you in the event that a court rules you are at fault for an accident. This coverage provides for a legal defense up to the limits shown on your policy. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

Verify you’re earning every discount

Auto insurance companies do not advertise every disount available in an easy-to-find place, so below is a list a few of the more well known and also the lesser-known credits available to bring down your rates.

  • Pay Now and Pay Less – If you can afford to pay the entire bill as opposed to paying monthly you may have a lower total premium amount.
  • Home Ownership Discount – Owning a house can earn you a little savings because of the fact that having a home means you have a higher level of financial diligence.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Century coverage depending on your company.
  • Mature Driver Discount – Older drivers can possibly qualify for lower premium rates on Century coverage.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Distant Student – who attend college more than 100 miles from home and leave their car at home may be able to be covered for less.
  • Accident-Free Discounts – Insureds who avoid accidents and claims get the best car insurance rates when compared to accident-prone drivers.
  • Paperless Signup – Certain car insurance companies will discount your bill up to fifty bucks for signing up over the internet.
  • Sign Early and Save – Some insurance companies give discounts for buying a policy before your current policy expires. This discount can save up to 10%.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper because new model year vehicles have to meet stringent safety requirements.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. Even though it may seem like you can get free auto insurance, that’s just not realistic.

Popular car insurance companies and their possible discounts are shown below.

  • Progressive discounts include online quote discount, continuous coverage, multi-policy, good student, multi-vehicle, homeowner, and online signing.
  • The Hartford offers discounts including bundle, vehicle fuel type, anti-theft, driver training, and defensive driver.
  • Mercury Insurance includes discounts for professional/association, good driver, multi-policy, accident-free, anti-theft, location of vehicle, and low natural disaster claims.
  • Geico may include discounts for daytime running lights, military active duty, defensive driver, good student, five-year accident-free, federal employee, and emergency military deployment.
  • AAA policyholders can earn discounts including multi-car, good driver, multi-policy, education and occupation, and anti-theft.
  • State Farm offers premium reductions for good driver, safe vehicle, passive restraint, good student, anti-theft, multiple autos, and Steer Clear safe driver discount.

If you need lower rates, check with each company which credits you are entitled to. Discounts may not apply in your area. To find companies with significant discounts, click this link.

When should I discuss my situation with an agent?

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions may help highlight whether or not you will benefit from professional help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I drive in a foreign country?
  • Are split liability limits better than a combined single limit?
  • Is my trailer covered?
  • Do I need replacement cost coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

Parts of your car insurance policy

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, hitting a deer and rock chips in glass. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

This coverage provides protection from damages or injuries you inflict on people or other property. This coverage 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 commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as bail bonds, loss of income and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision coverage

Collision coverage will pay to fix damage to your Century resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for things like EMT expenses, prosthetic devices, chiropractic care, doctor visits and hospital visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

You can do this!

As you shop your coverage around, never reduce coverage to reduce premium. There are many occasions where drivers have reduced liability limits or collision coverage only to regret that it was a big mistake. Your strategy should be to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

Consumers leave their current company for many reasons like policy non-renewal, questionable increases in premium, unfair underwriting practices or even high rates after DUI convictions. No matter why you want to switch, finding a new car insurance company can be easier than you think.

Cheaper car insurance is definitely available both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not offer internet price quotes and these regional insurance providers sell through independent insurance agents.

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