Save on 1997 Buick Century Car Insurance Quotes

Trying to find lower auto insurance rates for your Buick Century? Did you fall for a flashy sales pitch and buy an expensive auto insurance policy? Don’t feel bad because many drivers have buyer’s remorse. Companies like Progressive, GEICO and Farmers Insurance all promote huge savings with ads and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

Consumers need to get comparison quotes before your policy renews because auto insurance rates fluctuate regularly. Even if you got the best deal for Century coverage last year you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance out there, but in a few minutes you can learn some proven techniques to lower your auto insurance rates.

If you have insurance now or need new coverage, you can use these tips to find the best rates while maintaining coverages. Finding affordable coverage is quite easy. Drivers only need an understanding of how to shop online.

Verify you’re earning every discount

Auto insurance companies don’t always list every disount available in a way that’s easy to find, so here is a list some of the best known in addition to some of the lesser obvious ways to save on auto insurance.

  • Homeowners Discount – Being a homeowner can help you save on auto insurance since home ownership shows financial diligence.
  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Theft Prevention Discount – Cars with anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Active Military Service – Having an actively deployed family member could trigger a small discount.
  • Multi-line Discount – Some auto insurance companies give a discount if you purchase a life policy as well.
  • Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
  • Discount for Good Grades – This discount can save 20 to 25%. The discount lasts until age 25.

Don’t be shocked that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you’re out of luck.

Larger auto insurance companies and some of the discounts are shown below.

  • Travelers discounts include save driver, multi-policy, new car, good student, early quote, and home ownership.
  • 21st Century may have discounts that include student driver, anti-lock brakes, air bags, theft prevention, 55 and older, good student, and early bird.
  • State Farm includes discounts for multiple autos, accident-free, multiple policy, good student, defensive driving training, and safe vehicle.
  • GEICO may include discounts for emergency military deployment, anti-lock brakes, federal employee, defensive driver, anti-theft, seat belt use, and multi-policy.
  • SAFECO offers premium reductions for bundle discounts, accident prevention training, drive less, teen safe driver, teen safety rewards, safe driver, and multi-car.
  • AAA offers discounts including AAA membership discount, education and occupation, good student, good driver, multi-car, and multi-policy.

Before buying, ask each company or agent to apply every possible discount. Some of the earlier mentioned discounts might not be offered in your area. If you would like to view insurance companies offering auto insurance discounts, click here.

Finding insurance

Most of the larger companies such as State Farm, Allstate and GEICO allow consumers to get insurance quotes on their websites. The process doesn’t take a lot of time as you simply enter your coverage information on the page. Once entered, their quoting system will order information on your driving record and credit history and generates pricing information based on the data you entered. Being able to quote online makes it simple to compare prices but the time it takes to visit multiple sites and type in the same data is repetitive and time-consuming. But it’s necessary to compare as many rates as possible if you are searching for the best price possible.

The easiest way to locate the lowest prices is to use a quote form that gets price quotes from a lot of companies. It saves time, reduces the work, and makes online shopping much easier to do. After sending the form, your coverage is rated and you are able to buy any or none of the quotes that you receive. If you find a better price you simply finish the application and buy the policy. This process takes less than 15 minutes and you will find out if you’re overpaying now.

In order to compare pricing, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you type in coverages and limits just like they are on your policy. This helps ensure you’re receiving comparison quotes based on the exact same insurance coverage.

Six tips to get more affordable insurance premiums

Many factors are part of the calculation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but other factors are more obscure such as whether you are married or your financial responsibility.

  • Your employer is a factor – Jobs like fire fighterspolice officers and stock brokers tend to pay higher premiums than the average policyholder because of job stress and extremely grueling work hours. On the other hand, professions such as farmers, historians and retirees receive lower rates for Century coverage.
  • Good drivers have lower rates – Even a single moving violation can boost insurance rates forty percent or more. Good drivers pay less for auto insurance than people who have multiple driving citations. Drivers who have received multiple violations like DUI, reckless driving or excessive speeding might be required by their state to prove financial responsibility with their state DMV in order to prevent their license from being revoked.
  • Keep prices low by being claim-free – If you’re an insured who likes to file claims you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies provide discounts to drivers who are claim-free. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Add-on coverages that aren’t used – Policies have extra bells and whistles that can waste your money if you don’t pay attention. Coverages like vanishing deductibles, accident forgiveness, and term life insurance are probably not needed. These coverages may sound good when discussing your needs, but if you have no use for them eliminate the coverages to reduce your premium.
  • The higher your credit rating the lower your rates – Having a good credit score is likely to be a major factor in calculating your premium rate. Insureds that have excellent credit tend to be less risk to insure as compared to drivers with poor credit. If your credit score could use some work, you could potentially save money when insuring your 1997 Buick Century if you improve your credit rating.
  • Your gender affects costs – Statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Men and women get in at-fault accidents at about the same rate, but males tend to have higher claims. Men also tend to have more aggressive citations like driving under the influence (DUI).

When should I discuss my situation with an agent?

When buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my 1997 Buick Century need full coverage?
  • Can I rent a car in Mexico?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • What can I do if my company denied a claim?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Insurance policy coverages for a Buick Century

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for things like EMT expenses, nursing services, doctor visits, chiropractic care and surgery. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability coverages

This coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like repair bills for other people’s vehicles, bail bonds and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Collision protection

Collision insurance will pay to fix damage to your Century resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, crashing into a building, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Buick Century.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, vandalism, fire damage and damage from flooding. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

More effort can pay off

Budget-friendly insurance can be bought on the web and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not have online price quotes and usually these smaller companies work with local independent agents.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. In too many instances, an insured dropped comprehensive coverage or liability limits only to find out that it was a big error on their part. The goal is to buy enough coverage at the lowest possible cost while still protecting your assets.

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