Lower Your 1991 Buick Century Insurance Cost

Shopping for the lowest cost insurance on the web can seem to be difficult for consumers new to buying insurance online. Because there are so many insurers available, how can consumers possibly compare every one to find the best available rates?

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. This article will help educate you on how to get online quotes and some tips to save money. Although car owners must know the methods companies use to sell insurance online because it can help you find the best coverage.

The best way we recommend to compare insurance rates from multiple companies is to know the fact most of the bigger providers pay for the opportunity to provide you with free rate quotes. All consumers are required to do is provide a small amount of information including how much school you completed, if you lease or own, the type of vehicles you drive, and how much coverage you want. That rating data is instantly sent to multiple insurance providers and you should receive rate quotes quickly.

Discounts mean cheaper Buick Century insurance rates

Insuring your fleet can be pricey, but companies offer discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but a few need to be inquired about before you will receive the discount.

  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Century coverage with certain companies.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Good Student – Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • College Student – Kids in college who live away from home and don’t have a car can be insured at a reduced rate.
  • One Accident Forgiven – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a set time period.

It’s important to note that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you’re out of luck. But all discounts will reduce your overall premium however.

Car insurance companies that may offer these discounts include:

Before buying, ask each insurance company which discounts they offer. All car insurance discounts might not be offered in every state.

Buick Century rates are in the details

Smart consumers have a good feel for the different types of things that go into determining auto insurance rates. Understanding what impacts premium levels enables informed choices that will entitle you to big savings.

Listed below are some of the items auto insurance companies consider when setting prices.

  • High numbers of claims are not good – If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Car insurance companies award better rates to insureds who do not rely on their insurance for small claims. Car insurance is intended for larger claims.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you. If your Buick Century is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • Don’t sacrifice liability coverage – Liability insurance is the coverage that protects you when you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Rate your vehicle for proper use – The more miles you rack up on your Buick in a year’s time the more you will pay for auto insurance. The majority of insurers apply a rate based on their usage. Autos used primarily for pleasure use receive lower rates compared to those used for work or business. An improperly rated Century may be costing you. Double check that your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.

Tailor your coverage to you

When buying coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • How high should my uninsured/underinsured coverage be in my state?
  • Should I get collision insurance on every vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is medical payments coverage?
  • Does insurance cover tools stolen from my truck?
  • I have a DUI can I still get coverage?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Do drivers who switch really save $404 a year?

Auto insurance companies such as State Farm and Allstate continually stream television and radio advertisements. They all seem to say the same thing that you’ll save big after switching your coverage to them. How does each company make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the driver they prefer to insure. A good example of a driver they prefer might be profiled as a mature driver, insures multiple vehicles, and has great credit. Any new insured who fits that profile receives the best rates and therefore will save when switching.

Drivers who don’t measure up to the “perfect” profile will be quoted higher premiums and ends up with business not being written. The ads say “people who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully state the savings.

This emphasizes why it is so important to quote coverage with many companies. It is impossible to predict which insurance companies will fit your personal profile best.

Specific coverage details

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision coverage protection

Collision insurance covers damage to your Century resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, colliding with another moving vehicle, colliding with a tree and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses like hospital visits, funeral costs, doctor visits, EMT expenses and surgery. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability insurance

Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like structural damage, funeral expenses, attorney fees and loss of income. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Buick Century.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, falling objects, rock chips in glass and vandalism. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Don’t be a big spender

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at an affordable rate.

In this article, we covered some good ideas how you can compare 1991 Buick Century insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising.

Consumers change insurance companies for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, high prices or even policy cancellation. Regardless of your reason for switching companies, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

Even more information can be found by following these links: