2000 Buick Century Car Insurance Rates

Want the cheapest car insurance rates for your Buick Century? Are you sick and tired of being strong-armed to pay your car insurance bill each month? Your situation is no different than many other drivers.

Drivers have so many auto insurance companies to purchase coverage from, and though it is a good thing to have a choice, having more insurance companies makes it harder to find the best rates for your vehicles.

This article will tell you how to get online quotes. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. But car owners do need to know the methods companies use to determine prices.

Where can I get cheap car insurance?

There are several ways to compare rate quotes from many available car insurance companies in your state. The simplest method to find the cheapest 2000 Buick Century insurance rates is to jump online and get quotes. This can be accomplished in just a few minutes using one of these methods.

  • One of the best ways to get quotes is a comparison rater form (click to open form in new window). This style of form eliminates the need for multiple quote forms for each company. Just one form compares rates instantly.
  • A harder way to analyze rates requires a visit to the website of each company and complete a new quote form. For example, let’s say you want to see prices from Geico, Farmers and Liberty Mutual. In order to get each rate, you would have to go to each individual site and enter your information, which can get old fast. To view a list of companies in your area, click here.

The method you choose is up to you, but make sure you are using identical coverage information for each quote you get. If the quotes have higher or lower deductibles you will not be able to make an equal comparison. Even a minor difference in coverage limits could mean much higher rates. Just remember that comparing more company’s prices helps increase your odds of locating lower pricing. Some smaller insurers to not give prices over the internet, so it’s important to compare quotes from them, too.

You may qualify for discounts

Companies don’t list every possible discount in an easy-to-find place, so the list below details a few of the more common and the more hidden credits that you can use to lower your rates.

  • Air Bag Discount – Options like air bags may qualify for discounts of 20 to 30 percent.
  • Paper-free Discount – Certain companies will give a small break for signing up digitally online.
  • No Accidents – Insureds with no claims or accidents pay much less as compared to frequent claim filers.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts could save 15% off the personal injury premium cost.
  • Save with a New Car – Buying a new car instead of a used car can save up to 30% compared to insuring an older model.
  • Driver Training Discounts – Taking a course in defensive driver can save you 5% or more and easily pay for the cost of the class.
  • Switch and Save Discount – A few insurance coverage companies allow discounts for switching policies early. You may see this discount when you get auto insurance quotes online.
  • Clubs and Organizations – Joining a civic or occupational organization is a good way to get lower rates on insurance coverage.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.

Drivers should understand that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way. But all discounts will help reduce the premium cost.

A list of insurance coverage companies and the discounts they provide are outlined below.

  • 21st Century has discounts for good student, driver training, air bags, anti-lock brakes, and defensive driver.
  • State Farm discounts include multiple autos, multiple policy, Drive Safe & Save, safe vehicle, and student away at school.
  • AAA offers discounts for education and occupation, anti-theft, multi-car, pay-in-full, and good student.
  • Liberty Mutual may include discounts for multi-policy, safety features, newly retired, new vehicle discount, preferred payment discount, and teen driver discount.
  • Progressive has savings for good student, multi-vehicle, multi-policy, continuous coverage, online signing, and homeowner.

Check with every company which discounts you qualify for. Depending on the company, some discounts may not be offered everywhere. To find insurance coverage companies with the best discounts, click here to view.

There’s no such thing as the perfect car insurance policy

When buying coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different so your insurance should reflect that For example, these questions might help in determining whether you will benefit from professional help.

  • Should I sign the liability waiver when renting a car?
  • Does my insurance cover a custom paint job?
  • Who is covered by my policy?
  • How much liability coverage do I need in my state?
  • Do I need added coverage for expensive stereo equipment?
  • How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Decisions you make can impact your insurance prices

Multiple criteria are part of the equation when quoting car insurance. Some are pretty understandable like a motor vehicle report, although some other factors are not as apparent like your continuous coverage or how safe your car is.The best way to find cheaper insurance is to take a look at a few of the rating criteria that go into determining the level of your policy premiums. When you understand what impacts premium levels, this helps enable you to make changes that can earn you lower rates.

  • Mature drivers are lower risk – Older people are more cautious drivers, cost insurance companies less in claims .Youthful drivers are statistically shown to be less responsible behind the wheel so they pay higher insurance rates.
  • Do you need those add-on coverages? – There are quite a few optional add-on coverages you can purchase if you aren’t careful. Insurance for vanishing deductibles, accidental death, and extra life insurance coverage could be just wasting money. These may sound like a good investment at first, but your money might be better spent on other coverage so remove them and pocket the money.
  • Better drivers pay better rates – Good drivers receive lower rates as compared to those with violations. Having just one moving violation can bump up the cost by as much as twenty percent. Drivers who have gotten flagrant tickets like hit and run, DWI or reckless driving convictions are required to maintain a SR-22 with the DMV in their state in order to legally drive a vehicle.
  • Car plus home equals more savings – Lots of insurers allow a discount to clients that buy multiple policies such as combining an auto and homeowners policy. Discounts can amount to ten percent or more. Even if you qualify for this discount already, you still need to compare rates to help ensure you have the lowest rates. Drivers may still save money by insuring with multiple companies.
  • Pleasure use or commuting – The more you drive annually the higher the price you pay to insure it. A lot of insurance companies calculate prices based upon how much you drive. Cars and trucks that are left in the garage receive lower rates than those used for commuting. Double check that your insurance declarations sheet is showing the proper vehicle usage, because improper ratings can cost you money. An improperly rated Century can cost quite a bit.
  • Low stress job equals lower prices – Occupations like military personnelair traffic controllers and stock brokers generally have higher average rates attributed to stressful work requirements and incredibly demanding work hours. Other careers like professors, engineers and retirees have lower than average premiums on Century insurance.
  • Marriage reduces risk – Having a significant other helps lower the price compared to being single. Having a significant other is viewed as being less irresponsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Do drivers who switch really save?

Auto insurance companies such as State Farm and Allstate continually stream ads on television and other media. They all say the same thing about savings after switching your coverage. How does every auto insurance company make the same claim?

Different companies have a certain “appetite” for a prospective insured that will not have excessive claims. A good example of a profitable insured may be between 25 and 40, has no prior claims, and has great credit. Anyone that hits that “sweet spot” will get the preferred car insurance rates as well as cut their rates substantially.

People who don’t qualify for these stringent criteria will have to pay more expensive rates and this results in the customer not purchasing. The ads say “people that switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently lure you into getting a quote.

This really drives home the point why it is so important to get auto insurance quotes as often as possible. It’s just too difficult to predict the company that will give you lower premium rates than your current company.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by insurance companies.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, damage from flooding, damage from a tornado or hurricane and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

This coverage will cover damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, loss of income, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as surgery, prosthetic devices and nursing services. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance will pay to fix damage to your Century caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, rolling your car, scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Saving money is sweet as honey

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. There have been many situations where someone sacrificed full coverage only to discover later that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best possible price and still be able to protect your assets.

Some insurance coverage companies may not offer internet price quotes small, regional companies work with independent agents. Budget-friendly insurance coverage can be bought both online in addition to many insurance agents, so you need to compare both in order to have the best chance of saving money.

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