2001 Buick Century Insurance Rates – 10 Tips for Best Quotes

Shoppers have many options when shopping for the best price on Buick Century insurance. They can either spend hours driving around trying to get quotes or utilize the internet to compare rates.

There are both good and bad ways to compare insurance coverage rates and we’ll show you the absolute fastest way to quote coverages on a Buick and obtain the lowest price either online or from local insurance agents.

This article will teach you how to get online quotes and some tricks to saving. If you have car insurance now, you stand a good chance to be able to save some money using these techniques. Drivers just need to learn the most efficient way to get comparison rates online.

More discounts mean cheap premiums

Companies do not list every discount in a way that’s easy to find, so we researched some of the best known and the more hidden credits available to lower your premiums when you buy car insurance online.

  • Government Employee Discount – Being employed by or retired from a federal job may reduce rates when you quote car insurance on Century insurance with certain companies.
  • College Student – Kids who live away from home to go to college and do not take a car to college can receive lower rates.
  • Discounts for Responsible Drivers – Safe drivers may receive a discount up to 45% on Century insurance compared to accident prone drivers.
  • Renewal Discounts – A few insurance companies give discounts for signing up prior to your current policy expiring. You could save around 10% when you buy car insurance online.
  • Mature Driver Discount – Drivers over the age of 55 may be able to get reduced rates on Century insurance.
  • Save with a New Car – Buying a new car model can cost up to 25% less because newer models have to meet stringent safety requirements.
  • Save with More Vehicles Insured – Having multiple vehicles on one policy can reduce rates for all insured vehicles.
  • Telematics Data Discounts – Insureds that choose to allow their company to track their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as they are good drivers.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
  • ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.

Drivers should understand that most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, it’s just not the way it works.

Companies and a summarized list of policyholder discounts are detailed below.

  • Farm Bureau offers discounts including renewal discount, multi-policy, safe driver, driver training, multi-vehicle, youthful driver, and good student.
  • Liberty Mutual has discounts for newly retired, new vehicle discount, exclusive group savings, good student, and new move discount.
  • State Farm discounts include good driver, anti-theft, multiple autos, student away at school, and safe vehicle.
  • Auto-Owners Insurance has savings for mature driver, multiple vehicles, paperless, good student, and student away at school.
  • Geico may offer discounts for multi-policy, military active duty, anti-theft, air bags, and driver training.
  • SAFECO offers discounts for teen safety rewards, teen safe driver, multi-car, anti-theft, accident prevention training, and bundle discounts.

When getting a coverage quote, ask all companies you are considering how you can save money. Savings may not apply to policies in your area. To choose insurers who offer cheap insurance coverage quotes, click here to view.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t get away from ads that promise big savings from companies such as State Farm, Geico and Progressive. All the companies make an identical promise of big savings after switching to them.

That’s great but how can every company give you a better price? You have to listen carefully.

Insurance companies have specific criteria for the type of customer they prefer to insure. A good example of this type of risk profile might be described as married and over the age of 30, carries full coverage, and drives a lower-performance vehicle. Any new insured that meets those criteria may get the lowest prices as well as save if they switch.

Drivers who are not a match for this ideal profile will have to pay more expensive rates which usually ends up with the customer buying from someone else. Company advertisements say “customers that switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently state the savings.

Because of these techniques, it’s extremely important to get price quotes at each policy renewal. It’s just too difficult to predict the company that will have the best car insurance rates at this point in time.

It’s not one size fits all

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

For instance, these questions might point out if your insurance needs will benefit from professional help.

  • What is high-risk coverage and where do I buy it?
  • Am I missing any policy discounts?
  • Is business property covered if stolen from my car?
  • Is my nanny covered when driving my vehicle?
  • Why is insurance for a teen driver so high?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my teenager covered with friends in the car?
  • Do I need replacement cost coverage on my 2001 Buick Century?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.

Auto insurance coverage information

Understanding the coverages of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Buick Century.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, damage from flooding, falling objects, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses like pain medications, X-ray expenses and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision coverage covers damage to your Century from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a mailbox, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability car insurance

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as bail bonds, pain and suffering, loss of income, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Make a quick buck

When trying to cut insurance costs, never reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability limits or collision coverage and learned later that they should have had better coverage. Your focus should be to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

You just read quite a bit of information on how to compare 2001 Buick Century insurance premium rates online. The key concept to understand is the more providers you compare, the better your comparison will be. You may even find the lowest premium rates come from some of the lesser-known companies.

Consumers who switch companies do it for any number of reasons including questionable increases in premium, being labeled a high risk driver, delays in responding to claim requests or even poor customer service. Regardless of your reason for switching companies, switching insurance coverage companies can be less work than you think.

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