1999 Buick Century Car Insurance Quotes – 5 Policy Discounts

Searching for low-cost insurance for a Buick Century can turn out to be a painful process, but you can use a few tricks and make it easy. There is a better way to find car insurance online so we’re going to tell you the absolute fastest way to compare rates for a new or used Buick and obtain the lowest price from local insurance agents and online providers.

You should make it a habit to do rate comparisons quite often because insurance rates tend to go up over time. Even if you think you had the best price on Century coverage a couple years back you may be paying too much now. There is a lot of bad advice regarding car insurance online but with this article, you’re going to get some solid techniques on how to find cheap car insurance.

Finding affordable coverage is not that difficult. If you have insurance now or are looking for a new policy, you will benefit by learning to reduce the price you pay while maximizing coverage. Vehicle owners only need to know how to buy insurance on the web.

How to Compare Car Insurance

Getting a cheaper price on 1999 Buick Century insurance can be relatively painless. Consumers just need to spend a little time getting comparison quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

  1. The fastest way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing repetitive form entry to each individual car insurance company. One form will return quotes from all major companies. It’s definitely the quickest method.
  2. Another way to compare prices is going to the website of each company to complete their respective quote request forms. For example, let’s assume you want comparison quotes from Geico, Safeco and Allstate. To find out each rate you need to go to every website and enter your information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The most time-consuming method to get comparison rates is to spend time driving to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the trained guidance only provided by licensed agents. It is possible to price shop your coverage online and still use a local agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverages on every quote. If the quotes have differing limits it will be impossible to determine which rate is truly the best.

Cut prices on Buick Century insurance

Car insurance companies don’t always publicize every discount very clearly, so here is a list both the well known as well as the least known car insurance savings. If you’re not getting every credit you deserve, you are throwing money away.

  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Homeowners Savings – Owning a house can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Century coverage depending on your company.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Accident Waiver – Certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.

It’s important to note that most discount credits are not given to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

A partial list of companies who might offer these money-saving discounts include:

Before buying, ask all companies you are considering how you can save money. Discounts might not apply in your area.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions may help you determine if you could use an agent’s help.

  • How can I find cheaper teen driver insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why do I need rental car insurance?
  • When does my teenage driver need to be added to my policy?
  • What is roadside assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if I break a side mirror?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

The fine print in insurance coverage ads

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, Geico, Allstate and State Farm. They all seem to make the same claim that you’ll save big after switching to them.

How do they all make the same claim? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a profitable customer might be between 25 and 40, owns a home, and chooses high deductibles. Any driver who meets those qualifications is entitled to the best price and most likely will save when they switch companies.

Drivers who don’t meet these standards must pay a higher premium which leads to the customer not buying. The ads state “people who switch” not “people who quote” save that much money. That’s the way insurance companies can make those claims. This illustrates why drivers should quote coverage with many companies. It’s impossible to know which insurance coverage company will fit your personal profile best.

Specific coverages for a 1999 Buick Century

Having a good grasp of your car insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, ambulance fees, X-ray expenses and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive car insurance – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, a broken windshield, vandalism, damage from a tornado or hurricane and falling objects. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Buick Century.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision – This pays for damage to your Century caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Liability – This provides protection from injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as funeral expenses, medical expenses, bail bonds, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Keep this in mind

People change insurance companies for any number of reasons including unfair underwriting practices, high rates after DUI convictions, extreme rates for teen drivers or delays in responding to claim requests. Regardless of your reason, switching companies is actually quite simple.

You just read many tips how you can save on 1999 Buick Century insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the smallest insurance companies.

The cheapest insurance can be sourced online in addition to many insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

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