Lower Your 2001 Buick Century Insurance Quotes

Looking for lower insurance rates for your Buick Century? Are you a victim of high-priced insurance? Trust us when we tell you there are many people just like you.

Online insurance companies like Allstate, Progressive and Geico continually bombard you with catchy ads and it is challenging if not impossible to see through the deception and take the time to shop coverage around.

If you currently have car insurance, you should be able to save some money using this information. Finding the best rates is quite easy. But drivers need to learn the way insurance companies determine prices and use this information to your advantage.

Policy discounts you shouldn’t miss

Companies offering auto insurance do not advertise all available discounts in a way that’s easy to find, so we break down some of the more common and also the lesser-known discounts you could be receiving.

  • Multi-policy Discount – If you have multiple policies with the same company you may earn 10% to 20% off each policy.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Century coverage than drivers with accident claims.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks simply for signing on their website.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.

Keep in mind that many deductions do not apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies that may have these benefits may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

Insurance agents can help

When choosing adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

  • Do I pay less for low miles?
  • Does car insurance cover theft of personal property?
  • Will I lose any money if I cancel my policy before it expires?
  • How much liability coverage do I need in my state?
  • Why am I required to buy high-risk coverage?
  • Why am I required to buy liability insurance?
  • Am I covered if my car is in a flood?
  • Is my 2001 Buick Century covered for flood damage?
  • What is the rate difference between pleasure use and commuting?
  • How do I buy GAP insurance?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Is there truth in advertising?

Insurance companies such as Allstate, Geico and Progressive regularly use television and radio advertisements. They all seem to make an identical promise that you can save if you move your policy. How does each company say the same thing?

Different companies can use profiling for the driver that earns them a profit. An example of a desirable insured might be profiled as between the ages of 40 and 55, has no prior claims, and has a short commute. A driver who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.

Drivers who don’t meet the requirements will have to pay more money which usually ends up with business not being written. The ad wording is “drivers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can confidently state the savings. Because of the profiling, it is so important to get quotes from several different companies. Because you never know which company will provide you with the cheapest Buick Century insurance rates.

Insurance coverages explained

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Auto liability insurance

This can cover damages or injuries you inflict on a person or their property. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, court costs, emergency aid, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your Century caused by 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 coverage protects against things such as sideswiping another vehicle, crashing into a ditch, driving through your garage door and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses for things like X-ray expenses, hospital visits, nursing services, prosthetic devices and pain medications. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, hail damage, rock chips in glass, vandalism and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Have the Midas touch

In this article, we covered many ways to lower your 2001 Buick Century insurance rates. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from a lesser-known regional company. These smaller insurers often have lower prices on specific markets compared to the large companies like State Farm, Geico and Nationwide.

Low-cost insurance is available from both online companies and with local insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where an accident victim reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford.

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