Compare 1997 Buick Century Insurance Quotes

Having to pay for overpriced Buick Century insurance can diminish your personal savings and require stricter spending habits. Shopping your coverage around is a smart way to lower your monthly bill.

Many insurance companies vie for your insurance dollar, so it can be very hard to choose a provider to get the cheapest price

Why your insurance costs might be higher

Many factors are part of the equation when pricing auto insurance. Most are fairly basic such as your driving history, but others are more transparent such as your marital status or your commute time.

The items below are some of the factors auto insurance companies consider when setting prices.

  • More traffic means higher claims – Residing in less populated areas of the country can be a good thing when talking about auto insurance. Fewer people means fewer accidents and also fewer theft and vandalism claims. Residents of big cities have more auto accidents and more time behind the wheel. More time on the road translates into higher accident risk.
  • If you don’t need it don’t buy it – Policies have additional coverages that sound like a good idea at the time if you don’t pay attention. Coverages like roadside assistance, death and dismemberment, and additional equipment coverage are some examples. They may sound like good ideas initially, but if you have no use for them consider taking them off your policy.
  • Your car’s features help determine auto insurance rates – Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Your credit history is important – Having a bad credit score will be a significant factor in determining your rates. Consumers who have very good credit scores tend to be better risks to insure as compared to drivers with poor credit. If your credit can be improved, you could save money insuring your 1997 Buick Century if you improve your credit rating.
  • Your job and auto insurance rates – Do you have a high-stress occupation? Occupational choices like fire fighters, architects and miners usually pay the highest rates in part from job stress and lots of time spent at work. On the other hand, careers such as actors, engineers and homemakers pay lower than average rates on Century coverage.
  • Insure your auto and home with one company – Many insurers afford lower prices to buyers who carry more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, you still need to check prices from other companies to help guarantee you have the best rates. It’s possible to still save even more by insuring with multiple companies.
  • How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Just one ticket can boost insurance rates by as much as thirty percent. Attentive drivers pay less for auto insurance than bad drivers. Drivers who get serious citations like DWI, reckless driving or hit and run convictions may be required to maintain a SR-22 with their state motor vehicle department in order to continue driving.

Earn discounts on insurance coverage

Companies don’t necessarily list the entire discount list in a way that’s easy to find, so we researched both the well known and also the more inconspicuous credits that you can use to lower your rates. If you do not check that you are getting every discount available, you could be getting lower rates.

  • Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote auto insurance on Century coverage with select insurance companies.
  • Service Members Pay Less – Having a deployed family member could mean lower insurance coverage rates.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower insurance coverage rate if you buy life insurance.
  • Professional Organizations – Affiliation with specific professional or occupational memberships or organizations can get you a small discount on your bill.
  • Good Grades Discount – Being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% on medical payment and PIP coverage.
  • Anti-lock Brakes – Cars that have anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.

A little note about advertised discounts, most discounts do not apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

A few popular companies and a summarized list of policyholder discounts are detailed below.

  • State Farm offers discounts including accident-free, Steer Clear safe driver discount, defensive driving training, Drive Safe & Save, multiple policy, and driver’s education.
  • Progressive may offer discounts for online quote discount, good student, homeowner, multi-vehicle, continuous coverage, online signing, and multi-policy.
  • Progressive may have discounts that include online quote discount, online signing, good student, multi-vehicle, continuous coverage, homeowner, and multi-policy.
  • MetLife includes discounts for accident-free, multi-policy, defensive driver, good student, claim-free, and good driver.
  • Farm Bureau has discounts for 55 and retired, renewal discount, multi-policy, good student, safe driver, and multi-vehicle.
  • GEICO discounts include multi-policy, multi-vehicle, membership and employees, driver training, anti-lock brakes, and good student.
  • SAFECO offers premium reductions for anti-theft, homeowner, teen safe driver, accident prevention training, bundle discounts, multi-car, and teen safety rewards.

When comparing rates, check with each company or agent which discounts you may be entitled to. Some credits might not be offered on policies in your state. To choose companies that offer the discounts shown above, click here to view.

Auto insurance advertisements

21st Century, Allstate and State Farm regularly use ads on television and other media. All the companies advertise the message about savings after switching your auto insurance policy to them. It sounds good, but how can they all charge lower premium rates? It’s all in the numbers.

All companies have specific criteria for the type of driver that will not have excessive claims. One example of a driver they prefer might have to be between 25 and 40, has a low-risk occupation, and insures a new vehicle. Anyone who matches that profile will qualify for the lowest premium rates and is almost guaranteed to save when they switch companies.

Potential insureds who cannot meet the “perfect” profile may be required to pay higher premium rates and this results in the prospect going elsewhere. The wording the ads use say “people that switch” but not “all drivers who get quotes” can save as much as they claim. This is how insurance companies can lure you into getting a quote.

Different companies use different criteria so you really need to get price quotes at each policy renewal. You cannot predict which company will fit you best based on your risk profile.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

  • Why does it cost so much to insure a teen driver?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I rent a car in Mexico?
  • Does my medical payments coverage pay my health insurance deductible?
  • Why am I required to get a high-risk car insurance policy?
  • How much underlying liability do I need for an umbrella policy?
  • What if I don’t agree with a claim settlement offer?
  • Do I need added coverage for expensive stereo equipment?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Specifics of your insurance policy

Learning about specific coverages of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for liability – Liability coverage provides protection from injuries or damage you cause to a person or their property. This insurance 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: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like court costs, funeral expenses, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, falling objects, fire damage and theft. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses like hospital visits, ambulance fees, rehabilitation expenses, EMT expenses and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance covers damage to your Century resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

More quotes. Lower rates.

Budget-friendly car insurance can be found online and from local agencies, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not offer online quoting and many times these small, regional companies only sell coverage through independent agents.

You just read many ideas to lower your 1997 Buick Century insurance auto insurance rates. The key concept to understand is the more providers you compare, the better likelihood of getting cheap auto insurance. You may even discover the most savings is with an unexpected company. These companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

More detailed car insurance information can be read at these sites: