Have you had enough of paying out the nose to insure your Buick every month? You are no different than the majority of other car owners. You have so many insurance companies to choose from, and although it’s nice to have a selection, it makes it harder to compare company pricing.
Effectively comparing auto insurance prices can take hours if you aren’t aware of the fastest way to get free quotes. You could spend your day driving to insurance agencies in your area, or you can stay home and use the web to accomplish the same thing much quicker.
Most major companies take part in a program that enables customers to submit one quote, and each participating company returns a competitive quote based on that information. This eliminates the need for form submissions for every auto insurance company. To compare 2002 Buick Century rates using this form now click here to open in new window.
The only drawback to pricing coverage this way is you don’t know exactly the insurers you want to price. If you prefer to choose specific insurance companies to compare rates, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.
Whichever way you use, make darn sure you compare apples-to-apples information with every price quote. If the quotes have higher or lower deductibles you will not be able to determine which rate is truly the best.
Consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm, Allstate and Geico. All the ads have a common claim that you can save if you change to their company.
How can each company claim to save you money?
Different companies have a certain “appetite” for the driver that makes them money. An example of a desirable insured might be profiled as a mature driver, has no driving citations, and drives less than 10,000 miles a year. A customer who fits that profile will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.
Potential customers who don’t measure up to the “perfect” profile will have to pay higher rates which usually ends up with business not being written. The ad wording is “people who switch” not “everybody who quotes” save that much money. This is how insurance companies can state the savings.
Because of the profiling, drivers must get quotes from several different companies. Because you never know which auto insurance company will fit your personal profile best.
Insurance can be prohibitively expensive, but you may find discounts to help offset the cost. Some discounts apply automatically when you get a quote, but a few need to be specially asked for prior to getting the savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
Drivers should understand that most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. But any discount will help reduce the amount you have to pay.
Companies that possibly offer these money-saving discounts may include but are not limited to:
Double check with each company how you can save money. Discounts might not apply in every state.
When it comes to choosing coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can help discover if your situation might need an agent’s assistance.
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.
Knowing the specifics of car insurance aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by car insurance companies.
Collision coverage protection
This coverage covers damage to your Century caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things such as sideswiping another vehicle, damaging your car on a curb, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.
Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Buick Century.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.
Medical costs insurance
Coverage for medical payments and/or PIP pay for expenses for things like dental work, doctor visits and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
This coverage can cover damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage protects against things such as medical expenses, funeral expenses, court costs, emergency aid and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as falling objects, hitting a deer, fire damage and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
When shopping online for car insurance, do not buy less coverage just to save a little money. There are a lot of situations where an insured cut full coverage and discovered at claim time that it was a big error on their part. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.
Cheaper 2002 Buick Century insurance can be found on the web and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.
In this article, we presented many tips how you can shop for insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a lesser-known regional company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.