View 1997 Buick Century Insurance Rates

Looking for better insurance coverage rates for your Buick Century? Searching for low-cost insurance coverage may at first seem to be challenging for people new to quoting and comparing rates and buying insurance coverage online. With such a large number of companies, how can people even start to compare every one to find the cheapest available price?

How to compare car insurance quotes

Most major insurance companies like Allstate, Geico and Progressive provide price estimates on the web. Comparing prices online is pretty easy as you simply type in into the form. After you submit the form their rating system makes automated requests for information on your driving record and credit history and returns pricing information based on the information you submitted.

This makes it simple to compare prices but having to visit each company’s website and repetitively type in the same data gets old quite quickly. But it’s absolutely necessary to do this if you are searching for better car insurance pricing.

The preferred way to find cheaper rates makes use of a single form that analyzes rates from several companies at one time. This type of form saves time, requires much less work on your part, and makes rate comparisons much simpler. Immediately after you send the form, it gets priced and you can select your choice of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process can be completed in a matter of minutes and may save quite a bit of money.

If you want to fill out one form to compare multiple rates now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you duplicate as shown on your current policy. This way, you will receive a price comparison for similar insurance coverage.

Find hidden discounts to get affordable auto insurance quotes

Auto insurance is not cheap nor is it fun to buy but there could be significant discounts that can help lower your rates. Larger premium reductions will be automatically applied at quote time, but some discounts are required to be specifically requested before being credited.

Accident Free – Drivers with accident-free driving histories have much lower rates in comparison with drivers who are more careless.
Driver Education Discount – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
Military Rewards – Having a deployed family member may lower your prices slightly.
Discount for Good Grades – Getting good grades can save 20 to 25%. Many companies even apply the discount to college students until age 25.
College Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts as much as 30%.
Discounts for Federal Employees – Active or former government employment may reduce rates when you quote car insurance on Century coverage but check with your company.
Pay Early and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
Memberships – Being a member of specific professional or occupational memberships or organizations could qualify you for a break on your policy.
Low Mileage – Keeping the miles down on your Buick could qualify for slightly better premium rates than normal.

As a footnote on discounts, most credits do not apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. So when it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies and their possible discounts are:

Farm Bureau may have discounts that include youthful driver, multi-vehicle, renewal discount, safe driver, good student, driver training, and multi-policy.
State Farm offers discounts for anti-theft, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, accident-free, good driver, and safe vehicle.
Progressive has savings for homeowner, multi-vehicle, online quote discount, continuous coverage, online signing, and good student.
Allstate includes discounts for good payer, defensive driver, premier discount, farm vehicle, and resident student.
Nationwide may offer discounts for Farm Bureau membership, multi-policy, anti-theft, accident-free, family plan, business or organization, and defensive driving.
MetLife offers discounts including good student, accident-free, claim-free, multi-policy, defensive driver, and good driver.

Double check with every prospective company how many discounts you can get. Some of the earlier mentioned discounts may not be offered everywhere.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions can help discover if you may require specific advice.

Can my teen driver be rated on a liability-only vehicle?
Will my insurance pay for OEM parts?
Do I really need UM/UIM coverage?
If my pet gets injured in an accident are they covered?
How high should my uninsured/underinsured coverage be in my state?
When should my teen driver be added to my policy?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance coverages

Having a good grasp of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from claims by other people. 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 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like legal defense fees, loss of income, structural damage, bail bonds and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills like funeral costs, dental work, X-ray expenses, chiropractic care and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Buick Century.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

Collision insurance covers damage to your Century resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, hail damage, falling objects and theft. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.