Cheaper 2003 Buick Century Insurance Rates

Trying to find lower insurance coverage rates for your Buick Century? Are you overwhelmed by the number of insurance coverage providers? Lot’s of other drivers are too. You have so many choices that it can easily become hard work to lower your rates.

Consumers need to get comparison quotes quite often because insurance coverage prices fluctuate regularly. If you had the best price on Century coverage six months ago other companies may now be cheaper. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the only way to reduce your cost while improving coverage.

Get affordable car insurance quotes with discounts

Car insurance can cost a lot, but you might find some hidden discounts to cut the cost considerably. A few discounts will be applied when you purchase, but some need to be specially asked for prior to receiving the credit.

  • More Vehicles More Savings – Purchasing coverage when you have multiple cars on one policy can get a discount for every vehicle.
  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home could get you a discount.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like GEICO and Allstate allow you one accident before they charge you more for coverage if your claims history is clear for a specific time period.
  • Theft Deterent System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • Driver Education Discount – It’s a good idea to have your young drivers sucessfully take a drivers education course if offered at their school.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts of 25 to 30%.
  • Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks get auto insurance digitally online.
  • ABS Brakes – Cars equipped with ABS or steering control can stop better under adverse conditions so companies give up to a 10% discount.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, it’s just not the way it works. But any discount will help lower the cost of coverage.

A few popular companies and some of the premium reductions they offer are detailed below.

  • Farm Bureau may have discounts that include safe driver, multi-vehicle, renewal discount, multi-policy, 55 and retired, and good student.
  • Liberty Mutual has savings for new vehicle discount, new graduate, new move discount, newly retired, multi-policy, good student, and exclusive group savings.
  • State Farm includes discounts for accident-free, Steer Clear safe driver discount, driver’s education, multiple policy, and multiple autos.
  • Auto-Owners Insurance has discounts for anti-theft, multi-policy, paperless, group or association, good student, and student away at school.
  • GEICO policyholders can earn discounts including good student, multi-vehicle, military active duty, anti-lock brakes, and five-year accident-free.
  • SAFECO offers discounts including anti-lock brakes, accident prevention training, teen safe driver, safe driver, drive less, bundle discounts, and multi-car.

Before you buy a policy, ask every prospective company which credits you are entitled to. Some discounts listed above may not apply to policyholders in every state. To see a list of insurers that offer many of these discounts, click here to view.

Compare insurance coverage rates

When comparison shopping, there are several ways of comparing rates from different insurance companies. The simplest method to compare Buick Century insurance prices is to get quotes online. This is quite simple and can be completed using a couple different methods.

One of the simplest ways to get quotes for comparison is a comparison rater form click to view form in new window. This type of form eliminates the need for a different quote for each price estimate. One quote request gets rate comparisons from multiple companies. It’s the fastest way to compare.

Another way to analyze rates is going to the website for every company you want to comare and fill out a new quote form. For sake of this example, we’ll pretend you want to compare prices for Liberty Mutual, Esurance and Farmers. In order to get each rate, you would have to visit each site to enter the same coverage data repeatedly, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but do your best to enter nearly identical coverages with every price quote. If you have higher or lower deductibles it will be very difficult to determine which company has the best rates. Quoting even small variations in coverages can result in a big premium difference. And when price shopping your coverage, quoting more helps improve the odds of finding a lower rate than you’re paying now.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if you would benefit from professional advice.

  • How do I buy GAP insurance?
  • Where can I find DUI or SR-22 insurance?
  • When would I need rental car insurance?
  • Am I getting all the discounts available?
  • How do I insure my teen driver?
  • Are split liability limits better than a combined single limit?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How much liability insurance is required?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages explained

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Buick Century.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like surgery, X-ray expenses and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This coverage pays for damage to your Century caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage can cover damage or injury you incur to other’s property or people. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical expenses, attorney fees and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, fire damage, hitting a bird and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Power to the consumer

Consumers switch companies for a variety of reasons including questionable increases in premium, high rates after DUI convictions, lack of trust in their agent or policy cancellation. Whatever your reason, choosing a new company is not as hard as you think.

As you quote auto insurance, you should never buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage for the lowest cost, but do not skimp to save money.

Throughout this article, we presented some good ideas how you can lower your 2003 Buick Century insurance premium rates. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the most savings is with some of the lesser-known companies.

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