2000 Buick Century Car Insurance Quotes

Are you a victim of an underperforming, overpriced insurance coverage policy? Trust us, you’re not alone.

There are many auto insurance companies to purchase coverage from, and though it is a good thing to have a choice, it can be more challenging to get the best deal.

It is always a good idea to compare prices quite often since rates change quite often. Just because you found the best price on Century coverage six months ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding insurance coverage online but I’m going to show you a bunch of ideas how to reduce your insurance coverage bill.

Choosing the best insurance company for you is quite easy. Just about everyone who buys auto insurance will most likely be able to find better rates. Although drivers do need to learn how insurance companies market insurance on the web.

Save money by taking advantage of these discounts

Auto insurance companies don’t always advertise every discount in an easy-to-find place, so we researched some of the best known and also the lesser-known discounts you could be receiving.

  • Use Seat Belts – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Distant Student – Kids in college who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Memberships – Participating in a qualifying organization could qualify you for a break when shopping for insurance coverage on Century coverage.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Own a Home – Being a homeowner can help you save on insurance coverage because of the fact that having a home shows financial diligence.
  • Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

Car insurance companies who might offer some of the above discounts are:

Check with all companies you are considering what discounts are available to you. Savings might not apply in your area.

Car Insurance Comparisons

When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. The recommended way to find the lowest 2000 Buick Century rates is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

One of the simplest ways to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing multiple quote forms to each individual car insurance company. Just one form gets you coverage quotes from many national carriers.

A different way to obtain and compare quotes online requires a visit to the website of each company and request a quote. For example, we’ll pretend you want to compare rates from USAA, 21st Century and State Farm. 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 companies insuring cars in your area, click here.

However you get your quotes, double check that you are using apples-to-apples coverages for every company. If you are comparing different limits and deductibles on each one you will not be able to determine which rate is truly the best. Having just a slight variation in insurance coverages may cause a big price difference. It’s important to know that comparing more company’s prices gives you a better chance of getting the best offered rates.

Factors that can influence insurance rates for a Buick Century

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for insurance. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with lower insurance prices.

  • Equipment add-ons that lower insurance rates – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Older drivers save more – Mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Youthful drivers tend to be less responsible in a vehicle and because of this, their insurance rates are much higher.
  • Liability coverage is cheap – Liability insurance provides coverage in the event that a jury decides you are liable for damages caused by your negligence. It provides legal defense coverage starting from day one. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Never go without insurance – Letting your insurance expire is a fast way to pay more for insurance. Not only will you pay more, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Extra coverages can waste money – There are quite a few extra bells and whistles that you can buy on your Century policy. Coverages for rental car reimbursement, towing coverage and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Safer cars cost less to insure – Safer cars are cheaper to insure. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If the Buick Century scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Credit scores impact insurance rates – A driver’s credit score is a large factor in calculating your insurance rates. People with high credit scores tend to be more responsible as compared to drivers with poor credit. If your credit rating is low, you could be paying less to insure your 2000 Buick Century by improving your credit score.
  • Poor driving leads to higher costs – Good drivers tend to pay less for car insurance compared to drivers with tickets. Even one moving violation can increase rates by as much as thirty percent. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state motor vehicle department in order to keep their license.

When should I use an insurance agent?

When choosing adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For example, these questions could help you determine if you would benefit from an agent’s advice.

  • Why am I required to buy high-risk coverage?
  • Why am I required to get a high-risk car insurance policy?
  • What is covered by UM/UIM coverage?
  • Are split liability limits better than a combined single limit?
  • When would I need rental car insurance?
  • What companies insure drivers after a DUI or DWI?
  • What is PIP insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance specifics

Having a good grasp of insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Buick Century.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like EMT expenses, nursing services, prosthetic devices, dental work and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This pays for damage to your Century from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, rock chips in glass, theft, hitting a bird and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

This coverage provides protection from damage that occurs to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t 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. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like repair bills for other people’s vehicles, funeral expenses, legal defense fees and attorney fees. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Make a quick buck

We covered a lot of information how to get a better price on 2000 Buick Century insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where someone dropped physical damage coverage only to regret that it was a big error on their part. The proper strategy is to buy a smart amount of coverage for the lowest price.

Additional insurance information can be read on the following sites: