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.
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.
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.
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.
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.
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.
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.
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.
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
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 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.
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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