Compare 1993 Buick Century Insurance Rates

Trying to find lower car insurance rates for your Buick Century? Baffled by the sheer number of car insurance sources in your area? Many other drivers are too. There are so many sources to choose from that it can turn into a difficult situation to find the best rates.

How to get affordable car insurance

To find affordable auto insurance quotes, there are several ways to compare rate quotes from lots of car insurance companies. One of the best ways to find competitive 1993 Buick Century insurance rates is to use the internet to compare rates. This can be done in a couple of different ways.

  1. The fastest and easiest way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This method prevents you from having to do multiple quote forms for every company. A single, simple form gets you coverage quotes from multiple low-cost companies. This is by far the quickest method.
  2. A more difficult way to compare prices requires you to visit the website of each company and fill out their own quote form. For examples sake, let’s say you need rates from State Farm, Progressive and Geico. To do that, you would have to take the time to go to each site and repeatedly type in your coverage information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but do your best to use exactly the same quote data with every price quote. If your comparisons have differing limits you can’t possibly determine which company has the best rates. Just slight variations in limits can mean a large discrepancy in price. It’s important to know that making a lot of price comparisons helps improve the odds of finding the best offered rates.

Auto Insurance Discounts

Car insurance companies do not advertise all disounts very clearly, so the following is a list of a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • Distant Student – Children who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
  • Anti-lock Brakes – Cars and trucks with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn discounted rates on garaged vehicles.
  • Save with a New Car – Adding a new car to your policy can save up to 30% since newer vehicles are generally safer.
  • Sign Online – Some insurance companies provide a small discount simply for signing on the web.
  • Auto/Home Discount – If you combine your homeowners and auto policies with one insurance company you may earn as much as 10 to 15 percent.
  • Renewal Discounts – A few companies give discounts for renewing your policy prior to your current policy expiration. It’s a savings of about 10%.

A little disclaimer on discounts, most discounts do not apply the the whole policy. Most only reduce individual premiums such as comprehensive or collision. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will help reduce the premium cost.

A list of companies and a summarized list of policyholder discounts are outlined below.

  • AAA may have discounts that include good driver, pay-in-full, anti-theft, good student, and AAA membership discount.
  • Progressive offers discounts for good student, multi-vehicle, multi-policy, continuous coverage, online quote discount, homeowner, and online signing.
  • State Farm has discounts for good driver, good student, passive restraint, multiple policy, anti-theft, and accident-free.
  • Esurance policyholders can earn discounts including anti-theft, safety device, renters, anti-lock brakes, online quote, multi-policy, and Switch & Save.
  • Nationwide may offer discounts for easy pay, multi-policy, good student, Farm Bureau membership, business or organization, and defensive driving.

Double check with each company or agent which discounts you qualify for. Some credits might not be offered in your area. To locate auto insurance companies with the best discounts, click this link.

Seven things that determine your insurance prices

Many factors are used in the calculation when you get a price on insurance. Most are fairly basic like a motor vehicle report, although some other factors are less obvious like where you live or your commute time.Smart consumers have a good feel for the factors that come into play when calculating car insurance rates. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you better car insurance rates.

  • Better premiums with anti-theft devices – Owning a car with an alarm system can help lower your premiums. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft.
  • Single vs. married – Being married may save some money on your policy. Marriage usually means you are more mature and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Lower car insurance rates with no policy lapses – Having an insurance coverage lapse is a sure-fire way to bump up your car insurance costs. In addition to paying higher premiums, failure to provide proof of insurance can result in a steep fine or even jail time.
  • Where you live – Residing in a rural area has definite advantages when buying car insurance. Drivers who live in large cities have to deal with more traffic problems and more severe claims. Lower population means fewer accidents in addition to fewer liability claims.
  • Premiums and occupation – Did you know that where you work can have an impact on rates? Jobs like military generals, architects and stock brokers generally pay higher premiums than the average policyholder attributed to intense work requirements and incredibly demanding work hours. On the other hand, jobs like scientists, engineers and retirees have lower than average premiums on Century coverage.
  • Don’t get traffic citations – How you drive impacts premiums far more than you think. Having a single moving violation can boost insurance rates substantially. Attentive drivers receive lower rates compared to drivers with tickets. Drivers who have dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive.
  • Pay more of a claim out-of-pocket – Physical damage coverage, also known as collision and other-than-collision, insures against damage to your Buick. Examples of some claims that would be covered would be colliding with a building, collision with an animal, and burglary. The deductibles you choose tell how much you are willing to pay out-of-pocket if a covered claim is submitted. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance on Century coverage.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different.

For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Is my Buick Century covered if I use it for business?
  • Why am I required to get a high-risk car insurance policy?
  • Why do I need rental car insurance?
  • Is there coverage for injuries to my pets?
  • Should I buy additional glass protection?
  • Do I have any recourse if my insurance company denies a claim?
  • How much liability do I need to cover my assets?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Buick Century.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Coverage for collisions

This coverage will pay to fix damage to your Century caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like funeral costs, dental work, X-ray expenses, EMT expenses and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, a tree branch falling on your vehicle and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as court costs, funeral expenses and structural damage. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Be a Smart Shopper

Some companies do not provide online rate quotes smaller companies prefer to sell through independent insurance agencies. Cheap 1993 Buick Century insurance can be purchased from both online companies and from local agencies, and you should be comparing both so you have a total pricing picture.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice full coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal is to buy enough coverage at the best price but still have enough coverage for asset protection.

Consumers leave their current company for many reasons like high rates after DUI convictions, unfair underwriting practices, lack of trust in their agent and even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

More detailed insurance coverage information is located at these sites: