1996 Buick Century Car Insurance Quotes – 10 Discounts for Best Rates

I can’t think of a single person who enjoys paying for auto insurance, particularly when their premiums are too high.

You have multiple insurance companies to buy insurance from, and though it is a good thing to have a choice, too many choices makes it more difficult to compare rates and cut insurance costs.

This article will introduce you to the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. But consumers must comprehend how the larger insurance companies price online insurance and apply this information to your search.

You probably qualify for some discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Most are applied at the time of purchase, but a few must be asked for before they will apply.

  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Century coverage than drivers with accidents.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.
  • Student in College – Children who live away from home and do not have a car can receive lower rates.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Organization Discounts – Being a member of a qualifying organization may earn a discount when shopping for auto insurance on Century coverage.
  • Claim Free – Claim-free drivers can save substantially compared to accident-prone drivers.
  • Own a Home – Owning a home can help you save on auto insurance because owning a home shows financial diligence.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Military Rewards – Having a family member in the military can result in better rates.

Keep in mind that most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way. But any discount will cut the amount you have to pay.

A partial list of companies that may offer these discounts include:

Check with all companies you are considering which discounts you may be entitled to. Discounts may not be available everywhere.

How to Compare Car Insurance Quotes

There are several ways of comparing rates from different insurance companies. The best method to compare 1996 Buick Century insurance prices consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This method keeps you from doing separate quotes for every car insurance company. One form will get you rate comparisons from multiple companies.
  2. A slightly less efficient method to get quotes online consists of visiting the website for every company you want to comare and complete a new quote form. For example, let’s say you want comparison quotes from Nationwide, Geico and GMAC. You would have to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but compare the exact same coverage information on every quote you get. If the quotes have different values for each quote it’s impossible to find the best deal for your Buick Century. Just a small difference in coverage limits may cause a big price difference. And when comparing car insurance rates, know that getting more free quotes will improve the odds of getting a better price.

There’s no such thing as the perfect policy

When it comes to choosing coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Are my friends covered when driving my 1996 Buick Century?
  • Is my custom paint covered by insurance?
  • Am I covered if I break a side mirror?
  • Can I afford to buy a different vehicle if my 1996 Buick Century is totaled?
  • When should I remove comp and collision on my 1996 Buick Century?
  • Where can I find DUI or SR-22 insurance?
  • Can my babysitter drive my car?
  • How do I file an SR-22 for a DUI in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Specific coverage details

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like nursing services, pain medications, EMT expenses, funeral costs and chiropractic care. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Buick Century.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Liability coverages – Liability coverage protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like bail bonds, structural damage, emergency aid, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, fire damage and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – This covers damage to your Century from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, rolling your car, backing into a parked car, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

The bottom line

You just read many tips how you can shop for 1996 Buick Century insurance online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from the least-expected company. These companies may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

Cost effective insurance is available from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Additional detailed information can be found in the articles below: