Compare 1991 Buick Century Insurance Quotes

Trying to find the cheapest car insurance rates for your Buick Century? Are you irritated from scraping nickels together each month for car insurance? Your situation is no different than many other drivers.

Due to the increasing number of companies to choose from, it is very difficult to locate the most cost effective insurance company.

This information will tell you the best way to quote coverages 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 this strategy. But drivers benefit from understanding the way insurance companies price insurance differently and take advantage of how the system works.

How to lower your car insurance cost

There are a variety of methods to compare car insurance quotes, but some are more efficient than others. You could waste a few hours talking to insurance companies in your area, or you could save time and use the internet for quick rates.

Most major companies enroll in a system that allows shoppers to enter their policy data once, and at least one company returns a rated price based on that information. This system prevents you from having to do quote requests to each individual car insurance company.

To participate in this free quote system, click to open in new window.

The only drawback to comparing rates this way is you are unable to specify the insurers to receive prices from. So if you prefer to pick from a list of companies to compare, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using apples-to-apples coverage data on every price quote you get. If your comparisons have different data it will be next to impossible to determine the lowest rate for your Buick Century. Just a small difference in coverages can result in a big premium difference. And when comparing car insurance rates, know that comparing more rates from different companies increases your odds of finding a lower rate than you’re paying now. Some regional insurers cannot provide online rate quotes, so you need to compare rates from those companies as well.

Earn discounts on car insurance

Companies offering auto insurance don’t always publicize the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more well known and the harder-to-find savings tricks you should be using when you buy insurance coverage online.

• Smart Student Discounts – This discount can save 20 to 25%. This discount can apply until age 25.
• Telematics Data Discounts – People who choose to allow their company to look at vehicle usage remotely like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
• Low Miles Discount – Fewer annual miles on your Buick could qualify for lower rates on the low mileage vehicles.
• Drivers Education – It’s a good idea to have your young drivers sucessfully take a drivers education course in high school.
• Own a Home – Being a homeowner can get you a discount because of the fact that having a home is proof that your finances are in order.

As is typical with insurance, some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, you’re out of luck.

Popular car insurance companies and a partial list of their discounts include:

• American Family may include discounts for accident-free, multi-vehicle, early bird, bundled insurance, mySafetyValet, TimeAway discount, and Steer into Savings.
• State Farm offers discounts including multiple policy, defensive driving training, anti-theft, student away at school, driver’s education, good driver, and multiple autos.
• 21st Century offers premium reductions for driver training, air bags, teen driver, theft prevention, defensive driver, and early bird.
• Travelers may have discounts that include student away at school, IntelliDrive, home ownership, early quote, hybrid/electric vehicle, multi-policy, and driver training.
• GEICO has savings for air bags, membership and employees, good student, daytime running lights, federal employee, and emergency military deployment.

Double check with each company or agent which discounts they offer. Some of the earlier mentioned discounts may not be available in your area. To see a list of companies who offer free car insurance quotes, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

• How many claims can I have before being cancelled?
• When should I remove comp and collision on my 1991 Buick Century?
• Are rock chip repairs covered?
• Should I get collision insurance on every vehicle?
• When should I not file a claim?
• If I drive on a suspended license am I covered?
• Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Educate yourself about insurance coverages

Understanding the coverages of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from getting keyed, hail damage, theft and falling objects. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – This will pay to fix damage to your Century resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for liability – This can cover damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like bail bonds, legal defense fees, repair bills for other people’s vehicles, medical expenses and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1991 Buick Century.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for expenses such as funeral costs, hospital visits, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance 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 only offered in select states and gives slightly broader coverage than med pay