View 2002 Buick Century Insurance Quotes

Shoppers have a choice when shopping for low-cost Buick Century insurance. You can either spend your time driving around trying to get quotes or use the internet to get rate quotes.

There is a better way to buy insurance coverage and we’ll show you the absolute fastest way to get price quotes for a Buick and find the lowest possible price from local insurance agents and online providers.

How to compare auto insurance quotes

There are a variety of methods to compare auto insurance quotes, but some are less time-consuming than others. You can spend countless hours talking about coverages with agents in your area, or you could use the internet to get rates in a matter of minutes.

Many insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and each company returns a rated price determined by their information. This system prevents you from having to do quote requests for each company you want a rate for.

To use this form to compare rates click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose the companies you want pricing from. If you would rather choose specific providers to compare, we have a listing of companies who write auto insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just make sure you compare apples-to-apples coverages and limits for each quote you get. If the quotes have different coverage information you will not be able to decipher which rate is best.

Insurance coverage rates and discounts

Companies that sell car insurance don’t always list every discount they offer in an easy-to-find place, so here is a list both the well known and the more hidden credits that you can use to lower your rates.

  • Anti-theft Discount – Cars optioned with advanced anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Discount for Multiple Policies – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
  • Discount for Swiching Early – A few insurance companies allow discounts for buying a new policy early. Ten percent is about the average savings.
  • Driver Safety – Participating in a safe driver course can save you 5% or more and make you a better driver.
  • Discounts for Responsible Drivers – Safe drivers can save up to 40% or more on their auto insurance quote on Century coverage than drivers with accidents.
  • Professional Organizations – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount when getting a auto insurance quote.
  • One Accident Forgiven – This one is not really a discount per se, but certain companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Multi-Vehicle Discounts – Buying coverage for more than one vehicle with one company qualifies for this discount.
  • Good Student – Being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Claim Free – Drivers who don’t have accidents can save substantially as compared to drivers who are more careless.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way.

A few of the larger companies and some of the discounts are outlined below.

  • The Hartford policyholders can earn discounts including air bag, defensive driver, bundle, good student, anti-theft, vehicle fuel type, and driver training.
  • American Family includes discounts for Steer into Savings, mySafetyValet, bundled insurance, good student, TimeAway discount, accident-free, and good driver.
  • Progressive may include discounts for continuous coverage, online signing, multi-policy, good student, and online quote discount.
  • Travelers has savings for multi-policy, good student, save driver, student away at school, IntelliDrive, multi-car, and continuous insurance.
  • Farmers Insurance has discounts for business and professional, distant student, mature driver, pay in full, alternative fuel, homeowner, and teen driver.
  • USAA offers premium reductions for annual mileage, safe driver, vehicle storage, driver training, military installation, and multi-vehicle.
  • Liberty Mutual may offer discounts for teen driver discount, newly retired, safety features, exclusive group savings, and new vehicle discount.

Double check with every insurance company what discounts are available to you. Some of the earlier mentioned discounts may not be offered in your state. If you would like to view insurance coverage companies that have a full spectrum of discounts, follow this link.

Situations that may require an agent’s advice

When choosing proper insurance coverage, there really is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

  • Are rental cars covered under my policy?
  • Can I still get insurance after a DUI?
  • I have health insurance so do I need medical payments coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need replacement cost coverage on my 2002 Buick Century?
  • Are my friends covered when driving my 2002 Buick Century?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Why you might pay higher rates

Many things are part of the equation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, although others are more obscure such as whether you are married or your vehicle rating.It’s important that you understand the different types of things that are used to determine your premiums. If you know what determines premiums, this empowers consumers to make smart changes that can help you get lower car insurance prices.

  • Insure car and home with the same company – Most major companies allow a discount to buyers that purchase more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. Consumers may find lower rates by buying insurance from more than one company.
  • Better car insurance rates on cars with good safety ratings – Vehicles with high crash test scores tend to have lower insurance rates. Safer cars reduce injuries and fewer injuries means less money paid by your insurance company and cheaper rates on your policy.
  • Excellent credit saves on car insurance – Having a good credit score factor in determining what you pay for car insurance. People that have high credit scores tend to be more responsible than drivers with poor credit scores. Therefore, if your credit is lower than you’d like, you could potentially save money when insuring your 2002 Buick Century by taking the time to improve your credit score.
  • Accidents inflate rates – Having a clean driving record has a huge affect on how much you pay. Attentive drivers get better prices as compared to those with violations. Only having one moving violation can increase the cost of insurance forty percent or more. Drivers who have severe violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Rate your vehicle for proper use – The more miles you rack up on your Buick each year the higher your rate. Almost all companies calculate prices based on how the vehicle is used. Cars and trucks that sit idle most of the time can be on a lower rate level than those used for commuting. It’s always a good idea to double check that your car insurance coverage reflects the right rating data. Improper usage on your Century may be costing you.
  • Don’t skimp on liability insurance – Liability coverage will afford coverage when you are ruled to be at fault for physical damage or personal injury to other. It provides legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • File a claims and pay more – Companies generally give lower rates to drivers who are not frequent claim filers. If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance is meant to be used in the event of claims that pose a financial burden.

Coverages available on your policy

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability auto insurance

This coverage will cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like repair costs for stationary objects, bail bonds, loss of income, structural damage and legal defense fees. How much coverage you buy is up to you, but buy as large an amount as possible.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, colliding with a tree, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Buick Century.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for pain medications, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, fire damage, hail damage, falling objects and theft. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

And the best car insurance company is…

There are still a few companies who don’t offer rate quotes online and these regional carriers only sell through independent agencies. Discount 2002 Buick Century insurance is available from both online companies and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis.

As you shop your coverage around, do not skimp on coverage in order to save money. In many cases, someone dropped liability coverage limits and discovered at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

People switch companies for any number of reasons including unfair underwriting practices, high rates after DUI convictions, extreme rates for teen drivers or being labeled a high risk driver. No matter why you want to switch, finding the right insurance provider can be pretty painless.

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