1999 Buick Century Insurance Cost – 7 Tips for Best Prices

No sane person is fond of buying insurance coverage, especially when they are aware that the price is too high. Companies like State Farm, GEICO and Farmers Insurance promote their brand names with ad campaigns and it is difficult to separate fact from fiction and do the work needed to find the best deal.

It’s a great practice to get comparison quotes occasionally because prices are usually higher with each renewal. Just because you found the lowest price on Century insurance last year there is a good chance you can find better rate quotes now. You can find a lot of information about insurance coverage out there, but we’re going to give you some excellent ideas to lower your insurance coverage rates.

Do you qualify for these seven discounts?

Insurance is neither fun to buy or cheap, but you might already qualify for some discounts that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be requested specifically before you get the savings.

  • Auto/Home Discount – When you combine your auto and home insurance with the same company you may earn 10% to 20% off each policy.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Accident Waiver – but companies like GEICO and Liberty Mutual will let one accident slide without raising rates as long as you don’t have any claims prior to being involved in the accident.
  • Federal Government Employee – Active or retired federal employment may reduce rates when you quote insurance on Century insurance with some insurance companies.
  • Service Members Pay Less – Being deployed in the military could mean lower prices.
  • Online Discount – Certain insurance companies will give you a small discount just for signing your application over the internet.
  • Multiple Cars – Having several vehicles on one policy qualifies for this discount.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

If you would like to view insurance companies that offer some of these discounts, follow this link.

Don’t assume everyone needs the same auto insurance coverage

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different so this has to be addressed. For example, these questions might help in determining whether or not you would benefit from professional advice.

  • Should I put collision coverage on all my vehicles?
  • Should I rate my 1999 Buick Century as pleasure use or commute?
  • If my 1999 Buick Century is totaled, can I afford another vehicle?
  • Should I waive the damage coverage when renting a car?
  • Am I covered when driving on a suspended license?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I pay less for low miles?
  • Which is better, split liability limits or combined limits?
  • Am I missing any policy discounts?
  • Is pleasure use cheaper than using my 1999 Buick Century to commute?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Specifics of your insurance policy

Understanding the coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like chiropractic care, funeral costs, pain medications and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage can cover damage or injury you incur to a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like funeral expenses, emergency aid, repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Collision coverage

Collision coverage covers damage to your Century caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, hitting a deer, damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Be Smart and Buy Smart

We’ve covered some good ideas how you can shop for 1999 Buick Century insurance online. It’s most important to understand that the more times you quote, the better your comparison will be. You may even find the lowest premium rates are with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability coverage limits and found out when filing a claim they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

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