1998 Buick Century Car Insurance Quotes

No one in their right mind likes having to buy insurance, especially when the cost is too high.

Many auto insurance companies vie for your business, and it can be difficult to compare rates and get the best coverage at the best rate

If you have car insurance now, you will most likely be able to save some money using these methods. Buying car insurance is not rocket science. Although drivers should learn the way insurance companies sell online and apply this information to your search.

Auto Insurance Comparisons

There are several ways of comparing price quotes from auto insurance companies in your area. The best way to find the lowest 1998 Buick Century rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

One of the simplest ways to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This easy form saves time by eliminating separate forms to each individual auto insurance company. Filling out one form will return quotes from all major companies.

A more difficult way to obtain and compare quotes online requires visiting each company’s website and request a quote. For examples sake, let’s assume you want to compare rates from Liberty Mutual, State Farm and Allstate. To find out each rate you need to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make darn sure you compare exactly the same information for every quote you compare. If you enter different deductibles it’s impossible to make a fair comparison for your Buick Century. Just a small difference in limits can make a big difference in price. Just remember that getting more free quotes will enable you to find a lower rate.

Save on Buick Century insurance

Car insurance can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be manually applied before you will receive the discount.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • No Claims – Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Organization Discounts – Affiliation with a professional or civic organization may earn a discount when shopping for insurance for Century coverage.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will help reduce your premiums.

Insurance companies who might offer these discounts include:

Double check with every prospective company how you can save money. Discounts may not apply everywhere.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help highlight whether you may require specific advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find high-risk insurance?
  • Am I covered when driving a rental car?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my 1998 Buick Century covered for smoke damage?
  • Is a blown tire covered by insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance specifics

Knowing the specifics of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, hail damage, hitting a bird and damage from getting keyed. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision coverage will pay to fix 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 then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, sustaining damage from a pot hole, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Buick Century.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Liability coverage

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair bills for other people’s vehicles, legal defense fees and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like hospital visits, doctor visits, X-ray expenses and EMT expenses. They can be 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 if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Don’t throw your cash in the trash

Budget-conscious 1998 Buick Century insurance is definitely available on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. A few companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. There are many occasions where someone dropped liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

We just covered a lot of ways to save on insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the lowest rates come from an unexpected company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

Even more information is available in the articles below: