1998 Buick Century Car Insurance Quotes – 5 Savings Tips

Looking for cheaper insurance coverage rates? Shoppers have many options when shopping for affordable Buick Century insurance. They can either waste time calling around getting price quotes or utilize the internet to find the lowest rates.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the proper way to quote coverages for your Buick and obtain the best price possible.

You need to check insurance coverage prices before your next renewal because rates go up and down regularly. Even if you got the best deal on Century insurance a few years ago other companies may now be cheaper. Ignore everything you know about insurance coverage because it’s time to teach you the fastest way to properly buy coverages and cut your premium.

Discount insurance rates

Companies that sell car insurance don’t necessarily list all possible discounts in an easy-to-find place, so the list below gives a summary of some of the more common and the harder-to-find savings tricks you should be using when you buy insurance online.

  • Telematics Discount – Insureds who allow their company to analyze driving patterns by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if their driving habits are good.
  • Save over 55 – If you’re over the age of 55, you could receive lower premium rates on Century insurance.
  • Accident Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote when compared with drivers with a long claim history.
  • Good Grades Discount – Being a good student may save as much as 25% on a insurance quote. The good student discount can last until age 25.
  • New Vehicle Savings – Putting coverage on a new car may earn a small discount because newer vehicles keep occupants safer.

Remember that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, you aren’t that lucky.

A few of the larger companies and the discounts they provide are outlined below.

  • GEICO policyholders can earn discounts including emergency military deployment, anti-lock brakes, seat belt use, multi-policy, air bags, federal employee, and defensive driver.
  • Mercury Insurance offers premium reductions for location of vehicle, annual mileage, age of vehicle, anti-theft, good driver, multi-car, and professional/association.
  • Farmers Insurance offers discounts including distant student, early shopping, alternative fuel, multi-car, switch companies, and good student.
  • Auto-Owners Insurance has savings for paid in full, multiple vehicles, anti-lock brakes, company car, teen driver, and anti-theft.
  • Liberty Mutual may have discounts that include preferred payment discount, new graduate, newly retired, hybrid vehicle, new vehicle discount, teen driver discount, and good student.
  • SAFECO may include discounts for accident prevention training, anti-lock brakes, anti-theft, bundle discounts, and teen safe driver.
  • Progressive offers discounts for continuous coverage, online signing, multi-policy, homeowner, multi-vehicle, good student, and online quote discount.
  • USAA has discounts for loyalty savings, defensive driver, multi-policy, driver training, safe driver, and new vehicle.

When quoting, ask each company to give you their best rates. Some discounts listed above might not be available to policyholders in your area. To locate providers that offer some of these discounts, click here.

Compare quotes for insurance coverage

All major insurance coverage companies make it easy to get prices online. Comparing rates online is very simple as you simply type in the coverages you want on the page. Upon sending the form, their quoting system automatically orders information on your driving record and credit history and returns a price quote based on these and other factors.

This makes comparing rates easy, but the work required to visit each company’s website and repetitively complete many quote forms is a big time waster. But it’s absolutely necessary to compare as many rates as possible if you want to find the lowest insurance coverage rates.

The quickest way to get multiple rate quotes is to use a quote form to return rates from multiple companies. It saves time, requires less work, and makes online shopping much more efficient. Immediately after you send the form, it is quoted and you can choose any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process can be completed in less than 10 minutes and may save quite a bit of money.

If you want to compare pricing, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you duplicate coverages and limits identical to your current policy. This way, you will be getting rate comparison quotes based on similar coverages.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Every situation is different.

These are some specific questions can help discover whether you will benefit from professional help.

  • How much underlying liability do I need for an umbrella policy?
  • Should I sign the liability waiver when renting a car?
  • Do I need an umbrella policy?
  • When should I remove comp and collision on my 1998 Buick Century?
  • Do I have newly-aquired coverage?
  • Is my nanny covered when driving my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when driving on a suspended license?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance coverages 101

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Collision protection

Collision coverage will pay to fix damage to your Century resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, crashing into a building, sideswiping another vehicle, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Buick Century.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability

This can cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as attorney fees, pain and suffering, loss of income and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hail damage and damage from flooding. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for doctor visits, pain medications, nursing services and chiropractic care. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Buy Smart and Save

When buying insurance coverage, do not skimp on coverage in order to save money. In many cases, someone sacrificed liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.

We covered many ways to lower your 1998 Buick Century insurance rates. It’s most important to understand that the more rate quotes you have, the higher your chance of finding the cheapest insurance. You may be surprised to find that the most savings is with some of the lesser-known companies.

Drivers leave their current company for a number of reasons such as questionable increases in premium, lack of trust in their agent, delays in paying claims or poor customer service. Regardless of your reason for switching companies, finding a new company is less work than it seems.

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