2002 Buick Century Insurance Cost – 7 Ways to Save

Want lower insurance rates for your Buick Century? If you’re looking for lower-priced insurance, do you get frustrated by the crazy number of insurance providers that you can choose from? There are such a large number of options that it can really be more work than you anticipated to find better prices.

It’s important to compare prices as often as possible because rates trend upward over time. If you had the lowest premium rates on Century insurance at your last renewal you can probably find a lower rate today. Ignore everything you know about insurance because you’re going to learn the fastest and easiest way to lower your annual insurance bill.

If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Pricing the cheapest insurance coverage is not that difficult. Although car owners must comprehend how big insurance companies market on the web.

Earn discounts to get lower-cost car insurance rates

Buying car insurance is not cheap, but you may be missing some discounts that can dramatically reduce your bill. Certain discounts will be applied when you purchase, but some must be specially asked for in order for you to get them.

  • Distant Student Discount – Children who are enrolled in higher education away from home and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Discount for Passive Restraints – Vehicles equipped with air bags may qualify for discounts of 25 to 30%.
  • Service Members Pay Less – Being deployed with a military unit could trigger a small discount.
  • No Claim Discounts – Insureds who avoid accidents and claims have much lower rates in comparison to bad drivers.
  • New Car Discount – Buying coverage on a new vehicle may earn a small discount since new vehicles are generally safer.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Auto/Home Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company they may give you a discount of at least 10 to 15 percent or more.

One thing to note about discounts is that most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount should definitely cut the amount you have to pay.

A few of the larger companies and the discounts they provide can be found below.

  • State Farm may have discounts that include good driver, passive restraint, defensive driving training, Steer Clear safe driver discount, multiple policy, and accident-free.
  • Progressive offers premium reductions for good student, multi-policy, online signing, online quote discount, continuous coverage, and multi-vehicle.
  • Travelers includes discounts for hybrid/electric vehicle, new car, continuous insurance, multi-car, early quote, and payment discounts.
  • American Family may offer discounts for mySafetyValet, defensive driver, air bags, bundled insurance, Steer into Savings, multi-vehicle, and good driver.
  • Liberty Mutual discounts include newly married, teen driver discount, new graduate, new move discount, multi-policy, and newly retired.

Check with every company what discounts are available to you. Savings might not be offered on policies in your area. To choose car insurance companies that offer multiple discounts, click here.

The ad said I’d save $494 a year!

Insurance providers like Progressive, Allstate and GEICO seem to constantly run ads on TV and radio. They all seem to advertise claims that drivers can save some big amount if you get a free auto insurance quote and switch to their company. How does each company claim to save you money? This is how they do it.

Insurance providers have specific criteria for the type of driver that will add to their bottom line. One example of a preferred risk might be described as a married female, is a homeowner, and has great credit. Anybody who fits those characteristics is entitled to the best price and will most likely save money with a new company.

Consumers who may not quite match the ideal profile may be required to pay more expensive rates and the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers that switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can confidently make those claims.

Because of these techniques, drivers must compare quotes as often as possible. Because without a comparison, you cannot know which company will have the best rates.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is no “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 may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Should I put collision coverage on all my vehicles?
  • What is the difference between comprehensive and collision coverage?
  • Should I rate my 2002 Buick Century as pleasure use or commute?
  • What if I total my 2002 Buick Century and owe more than it’s worth?
  • How much liability do I need to cover my assets?
  • Is upholstery damage covered by car insurance?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage breakdown

Knowing the specifics of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability car insurance – Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like repair costs for stationary objects, bail bonds, attorney fees and emergency aid. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Uninsured or underinsured coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Buick Century.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage – This coverage covers damage to your Century resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as ambulance fees, pain medications, surgery and X-ray expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Keep this in mind

When getting auto insurance quotes online, don’t be tempted to buy poor coverage just to save money. Too many times, someone sacrificed liability coverage limits and found out when filing a claim that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

In this article, we covered a lot of tips how to shop for 2002 Buick Century insurance online. The key thing to remember is the more you quote auto insurance, the higher the chance of saving money. Consumers could even find that the best car insurance rates are with the least-expected company.

Consumers switch companies for many reasons like extreme rates for teen drivers, delays in paying claims, delays in responding to claim requests and even questionable increases in premium. It doesn’t matter what your reason, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

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