Save on 1994 Buick Century Car Insurance Quotes

Trying to find the cheapest insurance for a Buick Century can be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to find auto insurance online and you need to know the quickest way to price shop coverage for a new or used Buick and get the lowest possible price from both online companies and local agents.

You should make it a habit to compare rates quite often since prices are usually higher with each renewal. Just because you had the lowest price for Century insurance a year ago you will most likely find a better rate today. Ignore everything you know about auto insurance because we’re going to show you one of the easiest ways to save money, get proper coverage and the best rates.

Buying car insurance is not rocket science. If you have a current insurance coverage policy or are just looking to switch companies, you will benefit by learning to reduce the price you pay while maintaining coverages. Vehicle owners just need to learn the best way to compare price quotes online.

How to lower your insurance coverage cost

Effectively comparing insurance coverage prices can take hours if you don’t understand the fastest way to get free quotes. You could waste a few hours talking to insurance agencies in your area, or you could use the internet to quickly compare rates.

Most major companies participate in an industry program that enables customers to enter their coverage request one time, and at least one company then gives them pricing based on the submitted data. This prevents consumers from doing quotation requests to each company. To compare pricing click here to open in new window.

The single downside to getting quotes like this is you don’t know exactly the companies you will receive quotes from. If you would rather choose individual companies to compare rates, we have assembled a list of insurance coverage companies in your area. Click here to view list.

Take whichever approach you prefer, but double check that you are using identical quote information for every company. If you have unequal deductibles or liability limits it will be impossible to determine the best price for your Buick Century.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but a few must be asked for before being credited.

  • Low Mileage Discounts – Driving less can qualify you for better prices on cars that stay parked.
  • Accident-Free Discounts – Drivers who stay claim-free are rewarded with significantly better rates on insurance coverage quote as compared to accident-prone drivers.
  • Government Employee Discount – Federal government employees may reduce rates when you quote insurance coverage for Century insurance with some auto insurance companies.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Discounts for New Vehicles – Adding a new car to your policy may earn a small discount because newer models keep occupants safer.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and can earn a small discount on your policy.
  • 55 and Retired – Drivers that qualify as senior citizens may qualify for a small discount on rates for Century insurance.

As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

Companies that have these benefits are:

When getting a coverage quote, ask every company to give you their best rates. Depending on the company, some discounts may not apply to policies in your area. If you would like to view insurers who offer discounts, click here to view.

How insurers calculate Buick Century insurance premiums

Many things are used in the calculation when premium rates are determined. Some are obvious such as your driving history, but other criteria are less apparent such as your marital status or how safe your car is.

The factors shown below are some of the things that factor into your rates.

  • Cars with good safety ratings save money – Safer cars tend to have better insurance rates. The safest vehicles result in less severe injuries and any reduction in injury severity means less claims paid passed on to you as lower rates.
  • Having a spouse pays dividends – Your spouse may save some money on your car insurance policy. It demonstrates that you tend to be more financially stable and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Rate your vehicle for proper use – The higher the mileage driven annually the more it will cost to insure it. A lot of companies price each vehicle’s coverage based on how the vehicle is used. Vehicles that sit idle most of the time qualify for better rates than those used for commuting. Ask your agent if your vehicle rating shows the correct driver usage. Incorrect rating for your Century is just wasting money.
  • How’s your driving record? – Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Only having one ticket can bump up the cost to the point where it’s not affordable. Drivers with dangerous citations such as DUI or willful reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.

Don’t assume everyone needs the same insurance coverage

When choosing adequate coverage, there is no single plan that fits everyone. Each situation is unique.

For instance, these questions can help discover if you might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is no-fault insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I benefit by insuring my home with the same company?
  • I have a DUI can I still get coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Which companies will insure high-risk drivers?
  • Who is covered by my policy?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Truth in insurance coverage advertising

Consumers constantly see and hear ads that claim the best prices from the likes of Allstate, Geico and Progressive. They all advertise claims that people will save if you change to them.

It sounds good, but how can they all offer you a better deal?

Most companies have an ideal profile for the right customer they prefer to insure. An example of a driver they prefer should be between the ages of 30 and 50, has a clean driving record, and drives a vehicle with a low ISO rating. A customer getting a price quote that matches those criteria will probably get the lowest car insurance rates and most likely will save a lot if they switch.

Consumers who do not meet the requirements will get a more expensive rate and the customer not buying. The ads say “people who switch” not “everybody who quotes” will save that much if they switch. That is how companies can advertise the savings. Because of this risk profiling, you should compare quotes as often as possible. Because you never know which insurance companies will fit your personal profile best.

Detailed coverages of your auto insurance policy

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage 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.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, hitting a mailbox, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage – 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 coverage protects against claims like a tree branch falling on your vehicle, theft, hitting a deer and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like prosthetic devices, nursing services, pain medications and X-ray expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverage – Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like medical services, loss of income, court costs and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Buick Century.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Spend less. Save more.

Discount 1994 Buick Century insurance is attainable both online and also from your neighborhood agents, and you need to price shop both to have the best selection. Some companies do not provide price quotes online and these smaller providers provide coverage only through independent agents.

Insureds change insurance companies for any number of reasons including policy non-renewal, lack of trust in their agent, not issuing a premium refund or even questionable increases in premium. No matter why you want to switch, switching car insurance companies can be pretty painless.

When you buy insurance coverage online, you should never reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

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