1991 Buick Century Insurance Rates

Want lower auto insurance rates for your Buick Century? Perplexed by the crazy number of auto insurance company choices? You have a lot of company. Drivers have so many choices that it can quickly become a challenge to find the lowest price.

Are you getting all your discounts?

Car insurance companies don’t always publicize every discount in a way that’s easy to find, so here is a list some of the best known and the more hidden discounts you could be receiving.

  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Century coverage than drivers with accidents.
  • Student Driver Training – Have your child complete a driver education course in high school.
  • Student in College – Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings when shopping for insurance coverage on Century coverage.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies that may offer these discounts may include but are not limited to:

Double check with every prospective company what discounts are available to you. All car insurance discounts might not apply in your state.

Tailor your coverage to you

When buying the best insurance coverage, there is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • Are split liability limits better than a combined single limit?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when using my vehicle for business?
  • Does my car insurance cover rental cars?
  • When should I buy a commercial auto policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Can you really save $408 a year?

Insurance coverage companies such as Geico, State Farm and Progressive continually stream ads on TV and radio. They all seem to make an identical promise of big savings after switching your policy. But how can every company claim to save you money? This is how they do it.

All companies are able to cherry pick for the right customer they prefer to insure. For instance, a profitable customer could possibly be between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get the preferred rates and therefore will save when they switch companies.

Consumers who do not match this ideal profile will have to pay more money and ends up with the customer not buying. Company advertisements say “customers that switch” not “everybody who quotes” save that kind of money. That is how insurance companies can state the savings. Because of the profiling, it is so important to get as many comparisons as possible. It is impossible to predict the company that will give you the biggest savings on Buick Century insurance.

Insurance coverage options for a Buick Century

Having a good grasp of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as legal defense fees, medical expenses and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like prosthetic devices, chiropractic care, dental work and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hail damage, hitting a deer, a broken windshield and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, crashing into a ditch, backing into a parked car, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Stretch your dollar

We’ve covered many tips how you can lower your 1991 Buick Century insurance rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with some of the lesser-known companies.

Insureds leave their current company for a variety of reasons including delays in responding to claim requests, delays in paying claims, extreme rates for teen drivers and even unfair underwriting practices. Whatever your reason, choosing a new company is not as hard as you think.

Lower-priced insurance can be sourced online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

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