Compare 1996 Buick Century Car Insurance Quotes

Drivers have a choice when trying to find low-cost Buick Century insurance. You can either waste hours driving around to compare prices or use the internet to make rate comparisons.

There are more efficient ways to find insurance coverage online and you need to know the absolute fastest way to get price quotes for a new or used Buick and find the cheapest rates from both online companies and local agents.

You need to compare rates occasionally because prices are rarely the same from one policy term to another. Just because you had the lowest rate on Century insurance six months ago you can probably find a better premium rate now. You can search a lot of insurance coverage on the web, but by reading this article, you’re going to learn some of the best techniques to lower your insurance coverage rates.

If you have a policy now or are shopping for new coverage, you can use this information to find better prices while maintaining coverages. The purpose of this post is to tell you how to effectively get price quotes. Drivers only need to know the tricks to compare price quotes online.

Lower your insurance premiums

Consumers need to have an understanding of some of the things that play a part in calculating the rates you pay for car insurance. When you understand what influences your rates, this empowers consumers to make smart changes that may reward you with lower car insurance prices. Lots of things are part of the equation when quoting car insurance. Some are pretty understandable like your driving record, but some are less apparent such as your marital status or your vehicle rating.

  • Married drivers get cheaper rates – Walking down the aisle helps lower the price on your car insurance policy. Having a significant other is viewed as being more stable financially and it’s proven that drivers who are married are more cautious.
  • Discounts for multiple policies – Most insurers apply a discount to insureds that purchase more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s always a smart idea to compare other insurance prices to confirm you are receiving the best rates possible.
  • Lower premiums with alarm systems – Selecting a car model that has an advanced theft prevention system can help bring down rates. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent vehicle theft.
  • With age comes lower premiums – Inexperience drivers are statistically shown to be inattentive when driving and because of this, their car insurance rates are much higher. Adding a teen driver onto a policy can be quite pricey. Older insureds are more cautious drivers, cost insurance companies less in claims and get fewer tickets.
  • Battle of the sexes – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. They both have fender benders at a similar rate, but the males cause more damage. Not only that, but men also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers are most likely to cause an accident and are penalized with high car insurance rates.
  • No coverage gaps is important – Having an insurance coverage lapse is a quick way to drive up your policy premiums. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you a steep fine or even jail time. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Your address can affect price – Residing in small towns and rural areas has it’s advantages when buying car insurance. Drivers who live in large cities have congested traffic and a longer drive to work. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims.

How to shop insurance online

There are a variety of methods to compare insurance prices and some are less labor-intensive and much quicker. You could waste time talking to agents in your area, or you can utilize the web to get the quickest rates.

Many insurance companies belong to an insurance system that enables customers to enter their policy data once, and every company then returns a price quote for coverage. This system prevents you from having to do form submissions to every company.

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

The one disadvantage to comparing rates this way is that consumers can’t choose which insurance companies to get pricing from. So if you want to select specific providers to compare prices, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just compare equivalent deductibles and coverage limits for every company. If you compare different liability limits it will be impossible to determine the best price for your Buick Century.

More discounts mean affordable premiums

Buying auto insurance is not cheap, but there’s a good chance there are discounts that can help lower your rates. Certain discounts will be applied at the time of purchase, but some need to be asked for prior to receiving the credit.

  • Driving Data Discount – Insureds who allow their insurance company to spy on where and when they drive by using a telematic data system such as Progressive’s Snapshot could see a rate decrease if they have good driving habits.
  • Driver Training Discounts – Participating in a driver safety course could cut 5% off your bill if your company offers it.
  • Cautious Driver Discounts – Drivers without accidents may receive a discount up to 45% on Century insurance than less cautious drivers.
  • Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
  • Mature Driver Discount – Drivers over the age of 55 can possibly qualify for a discount up to 10% on Century insurance.
  • Own a Home and Save – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Theft Prevention System – Vehicles that have factory anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Military Deployment Discount – Being deployed in the military could be rewarded with lower auto insurance rates.
  • Discount for Passive Restraints – Factory options such as air bags or motorized seat belts may earn rate discounts of 25 to 30%.

You can save money using discounts, but many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, you’re out of luck. But any discount will cut your policy cost.

To locate auto insurance companies who offer discounts, click here to view.

It’s not one size fits all

When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique.

For example, these questions can help discover whether you might need an agent’s assistance.

  • Is a fancy paint job covered?
  • Does my insurance cover my expensive audio equipment?
  • If I drive on a suspended license am I covered?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my medical payments coverage pay my health insurance deductible?
  • When would I need rental car insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • What is the ISO rating for a 1996 Buick Century?
  • Is rental equipment covered for theft or damage?
  • Who is covered by my policy?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Information about specific coverages

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills such as ambulance fees, surgery, hospital visits and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage

This coverage covers damage to your Century from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, crashing into a building, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Liability

This will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical services, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, vandalism, damage from flooding and hitting a deer. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be a smart shopper

We just covered many ways to reduce 1996 Buick Century insurance car insurance rates online. It’s most important to understand that the more you quote insurance, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates come from a smaller regional carrier.

There are still a few companies who may not provide internet price quotes and most of the time these regional carriers only sell coverage through local independent agents. Cheaper insurance can be purchased both online and from local insurance agents, and you need to price shop both to have the best selection.

When getting insurance quotes online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Much more information about insurance can be read below: