Lower Your 1996 Buick Century Car Insurance Cost

Expensive insurance can dwindle your personal savings and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Companies like Geico, Farmers Insurance and State Farm increase brand awareness with TV and radio ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

If you have insurance now or need new coverage, you can follow these tips to reduce the price you pay and possibly find even better coverage. Buying car insurance is not rocket science. Vehicle owners just need to learn the tricks to get comparison quotes on the web.

Best discounts on 1996 Buick Century coverage

Companies don’t always advertise every discount in an easy-to-find place, so we break down some of the best known and the harder-to-find insurance coverage savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • 55 and Retired – If you’re over the age of 55, you may qualify for a discount up to 10% on Century coverage.
  • Air Bag Discount – Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Century coverage with certain companies.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Homeowners Savings – Being a homeowner can save you money because maintaining a house requires personal responsibility.

Drivers should understand that most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of companies offering insurance coverage discounts, click here to view.

Tailor your coverage to you

When it comes to buying adequate coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether you could use an agent’s help.

  • Do I pay less for low miles?
  • Is there coverage for injuries to my pets?
  • Is a blown tire covered by insurance?
  • Why am I required to buy liability insurance?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when pulling a rental trailer?
  • Am I covered when driving a rental car?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Specific coverage details

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from auto insurance companies.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, damage from a tornado or hurricane, damage from flooding, a broken windshield and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses like funeral costs, dental work and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 1996 Buick Century.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverages

Liability coverage provides protection from 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 injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like legal defense fees, attorney fees, structural damage and bail bonds. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Saving money makes a lot of cents

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. In many instances, someone sacrificed physical damage coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage for the lowest price.

We just covered a lot of techniques to save on 1996 Buick Century insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced car insurance comes from the smaller companies. Regional companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

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