How Much Does 1998 Buick Century Insurance Cost?

Sick and tired of paying out the nose to buy car insurance? You’re in the same situation as many other consumers.

Since consumers have many companies to choose from, it can be diffult for consumers to locate the lowest price insurer.

You should take the time to do rate comparisons on a regular basis since rates change frequently. Even if you got the best rates for Century insurance six months ago you can probably find a better price now. Don’t believe everything you read about insurance coverage online but we’re going to give you the best ways to slash your insurance coverage rates.

Best discounts on 1998 Buick Century coverage

Insurance can be prohibitively expensive, but you may find discounts to cut the cost considerably. A few discounts will automatically apply when you complete an application, but less common discounts must be asked about in order for you to get them.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Century insurance than their less cautious counterparts.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Drive Less and Save – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • No Charge for an Accident – Certain companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Multi-car Discount – Insuring more than one vehicle on the same insurance coverage policy may reduce the rate for each vehicle.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Passive Restraint Discount – Vehicles equipped with air bags can qualify for discounts of more than 20%.
  • Driver’s Ed – Require your teen driver to complete a driver education course if it’s offered in school.
  • Claim Free – Drivers who don’t have accidents pay much less when compared to frequent claim filers.

Drivers should understand that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. But any discount will help reduce your overall premium however.

A partial list of companies that may have these money-saving discounts include:

Double check with each insurance company which discounts you may be entitled to. Some discounts might not be offered in your state.

Which Insurance Coverage is Cheapest?

Effectively comparing insurance coverage prices can take time and effort if you don’t understand the most efficient way. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to maximize your effort.

Most of the larger companies participate in an industry program where insurance shoppers enter their policy data once, and every company returns a rated price based on that data. This system prevents you from having to do repetitive form submissions to each individual insurance coverage company.

To find out how much you’re overpaying now click here to start a free quote.

The one disadvantage to using this type of form is you are unable to specify which companies you want pricing from. If you prefer to choose specific insurance companies to request quotes from, we have a listing of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage information with every price quote. If you use different values for each quote you can’t possibly determine which rate is truly the best. Having just a slight variation in coverage limits could mean much higher rates. And when comparing insurance coverage rates, know that having more price comparisons will increase your chances of finding a lower rate.

Impacting insurance rates for a Buick Century

Smart consumers have a good feel for the rating factors that help determine auto insurance rates. Understanding what determines base rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Lower rates with optional equipment – Driving a car with an alarm system can save you a little every year. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • Marriage pays dividends – Being married can actually save you money when buying auto insurance. Having a significant other translates into being more responsible and it’s statistically proven that being married results in fewer claims.
  • Better credit scores mean better rates – Having a bad credit score is a important factor in determining what you pay for auto insurance. Therefore, if your credit score is lower than you’d like, you could be paying less to insure your 1998 Buick Century by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Liability coverage is peace of mind – Your policy’s liability coverage will protect you when a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Do you qualify for a multi-policy discount? – Some auto insurance companies provide better rates to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s still a good idea to comparison shop to ensure the best deal. Drivers may still find a better deal by buying insurance from more than one company.
  • Do you need those extra coverages? – There are a ton of add-on coverages that can waste your money when buying auto insurance. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate them to save money.

Tailor your coverage to you

When buying adequate coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Is my teenager covered with friends in the car?
  • What companies insure drivers after a DUI or DWI?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What happens if I owe more than my 1998 Buick Century is worth?
  • When do I need to add a new car to my policy?
  • When should I buy a commercial auto policy?
  • How much liability do I need to cover my assets?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Detailed coverages of your car insurance policy

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages found on most car insurance policies.

Coverage for medical payments – Med pay and PIP coverage reimburse you for bills such as EMT expenses, funeral costs and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, vandalism and theft. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability car insurance – Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like legal defense fees, repair bills for other people’s vehicles, bail bonds and medical services. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Collision – Collision insurance will pay to fix damage to your Century from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, colliding with another moving vehicle, colliding with a tree, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Be Smart and Buy Smart

The cheapest 1998 Buick Century insurance can be bought on the web and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some car insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Throughout this article, we presented some good ideas how you can reduce insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

Even more information can be read in the articles below: