2000 Buick Century Car Insurance Rates

Getting budget-priced insurance coverage can seem to be intimidating for drivers that are relatively new to price shopping on the internet. With a ridiculous number of companies in the marketplace, how can drivers have a chance to compare each option to find the best available price?

Compare insurance rate quotes online

There are a variety of methods to compare insurance quotes, and some are less time-consuming than others. You can spend your afternoon driving to insurance agencies in your area, or you can stay home and use the web to get prices fast.

Most major companies participate in an industry program that enables customers to send in one quote, and each participating company returns a competitive quote based on that data. This eliminates the need for quotation requests for every insurance company. To submit your quote information now, click here to open in new window.

The only drawback to pricing coverage this way is you can’t choose which companies to get quotes from. If you wish to select individual companies to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, try to keep the same information on every quote. If you enter different values for each quote it will be impossible to make an equal comparison. Slightly different insurance coverages can make a big difference in price. And when comparing insurance rates, know that obtaining a wide range of quotes provides better odds of finding the best offered rates.

Drivers can save with with these discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts to cut the cost considerably. A few discounts will be applied at the time you complete a quote, but occassionally some discounts must be specifically requested prior to getting the savings.

  • Active Military Service – Being on active deployment in the military could be rewarded with lower prices.
  • Safety Course Discount – Completing a course teaching driver safety skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Government Employees – Active or former government employment can earn a discount up to 10% for Century insurance with select insurance companies.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
  • New Vehicle Savings – Buying auto insurance coverage on a new vehicle can save you some money because new model year vehicles keep occupants safer.
  • Mature Driver Discount – Seniors may receive a small discount on rates for Century insurance.
  • Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving could save 15% off the medical payments premium.

Discounts save money, but please remember that most credits do not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But any discount will bring down the amount you pay for coverage.

If you would like to see a list of auto insurance companies that offer the discounts shown above, click here.

Your situation helps dictate your coverage

When it comes to buying coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • Is motorclub coverage worth it?
  • Do I have coverage when pulling a U-Haul trailer?
  • When does my teenage driver need to be added to my policy?
  • How can I find cheaper teen driver insurance?
  • What if I don’t agree with a claim settlement offer?
  • Can I afford to buy a different vehicle if my 2000 Buick Century is totaled?
  • Why do I need rental car insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Coverage specifics

Having a good grasp of a insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Buick Century.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, damage from a tornado or hurricane, fire damage and falling objects. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This will pay to fix damage to your Century caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, driving through your garage door, rolling your car, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for prosthetic devices, nursing services, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability coverage

Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, funeral expenses, court costs, legal defense fees and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.