Lower Your 1998 Buick Century Insurance Rates

Searching for cheaper insurance coverage rates for your Buick Century? If online insurance coverage comparisons are new to you, you may be bewildered thanks to the huge assortment of insurers who all claim to have the lowest rates.

Finding the best rates is not rocket science. Basically, every driver who is shopping for car insurance will more than likely be able to lower their premiums. Nevertheless, vehicle owners can benefit from knowing how big insurance companies sell insurance online and apply this information to your search.

The quickest method we recommend to compare policy rates is to know the fact auto insurance companies will pay a fee to compare their rates. The only thing you need to do is provide the companies a bit of rating information including whether you have decent credit, how old drivers are, which vehicles you own, and how many miles driven. Your information is instantly provided to multiple different insurance companies and they return cost estimate instantly.

Do you qualify for discounts?

Car insurance companies don’t always publicize the complete list of policy discounts in an easy-to-find place, so the below list has a few of the more common as well as some of the hidden discounts that may be available.

  • Low Mileage Discounts – Low annual miles could earn substantially lower premium rates.
  • Driving Data Discount – Insureds that choose to allow driving data collection to scrutinize driving patterns by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Discount for New Cars – Buying insurance on a new vehicle can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you could save approximately 10% to 15%.
  • Defensive Driver Discount – Participating in a course teaching safe driver skills could earn you a small percentage discount and easily recoup the cost of the course.
  • Anti-theft Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Policy discounts save money, but most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

Car insurance companies that may offer quotes with these money-saving discounts include:

If you are trying to find cheap auto insurance quotes, ask every insurance company how many discounts you can get. Discounts may not be offered in your area. If you would like to view companies that provide some of the discounts listed above, click here.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • What is the rate difference between pleasure use and commuting?
  • Are split liability limits better than a combined single limit?
  • Is business equipment covered while in my vehicle?
  • Should I get collision insurance on every vehicle?
  • Can I still get insurance after a DUI?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my nanny covered when driving my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Does coverage extend to my business vehicle?
  • Do I need an umbrella policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Coverage specifics

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like hospital visits, surgery, ambulance fees, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, damage from a tornado or hurricane and a broken windshield. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, bail bonds and court costs. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Buick Century.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

You can do this!

People switch companies for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, questionable increases in premium and even policy non-renewal. It doesn’t matter why you want to switch choosing a new company can be less work than you think.

When searching for inexpensive auto insurance quotes, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced full coverage only to find out that the savings was not a smart move. Your objective should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

Cheaper car insurance is available on the web in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. A few companies do not provide the ability to get quotes online and these smaller companies only sell through independent insurance agents.

To learn more, take a look at the resources below: