2002 Buick Century Insurance Rates

Trying to find cheaper car insurance rates for your Buick Century? Searching for cheaper insurance for a Buick Century could be a painful process, but you can use a few tricks to save time.

There is a better way to shop for car insurance so we’re going to tell you the proper way to quote coverages for a new or used Buick and obtain the cheapest rates from local insurance agents and online providers.

You should take the time to compare prices at least once a year because prices fluctuate regularly. If you had the lowest rates for Century insurance a year ago you can probably find a better premium rate now. Ignore everything you know about car insurance because you’re about to learn the best way to reduce your cost while increasing coverage.

How to get free insurance quotes online

Lowering your 2002 Buick Century insurance rates is a great way to save money. The only requirement is to spend a little time to get quotes to see which company has the cheapest insurance coverage quotes. Shoppers can get rates by using one of the methods below.

  1. The easiest and least time consuming way to get the best comparison quotes is a comparison rater form click here to open form in new window. This easy form saves time by eliminating boring form submissions for each price estimate. One form submission will get you price quotes from insurance companies with the best prices. This is by far the quickest method.
  2. A more difficult way to find lower rates requires a trip to each individual company website to complete a price quote. For example, we’ll assume you want to compare State Farm, Safeco and Allstate. You would be required to take the time to go to each site and type in your information over and over, which can get old fast. For a list of links to insurance companies in your area, click here.
  3. Even if you have time, the least recommended method to do your price quoting is to spend time driving to each insurance agency near you. Comparing online rate quotes makes this unnecessary unless you require the professional advice that only a licensed agent can provide. Although, it is possible get the lowest quotes online and get advice from an agent in your area.

Which method you use is up to you, but make darn sure you compare exactly the same information on every price quote you get. If you use unequal deductibles or liability limits then you won’t be able to make a fair rate comparison.

Do drivers who switch really save $447 a year?

Consumers get pounded daily by advertisements that promise big savings for switching by companies like State Farm, GEICO and Progressive. They all seem to try to convey promises that people will save if you move your car insurance coverage to their company.

How does every company charge lower premium rates? Just pay attention to how they say it.

Insurance companies have specific characteristics for the type of insured that makes them money. An example of a profitable customer may need to be between the ages of 30 and 45, has other policies, and drives less than 10,000 miles a year. Someone who meets those qualifications may get the lowest auto insurance rates and most likely will cut their rates substantially.

People who do not meet those standards will probably have to pay higher premium rates and this can result in the customer not buying. The wording the ads use say “people who switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can advertise the way they do.

That is why drivers should compare many company’s premium rates. It is impossible to guess which car insurance company will have the best auto insurance rates at this point in time.

Discounts for affordable insurance rates

Not many people think insurance is cheap, but you may find discounts that can help lower your rates. Some of these disounts will be visible at quote time, but a few must be requested specifically before you get the savings.

  • E-sign Discounts – Many larger companies give back up to $50 shop insurance coverage on your computer.
  • Active Service Discounts – Being on active duty in the military can result in better prices.
  • Theft Deterent Discount – Vehicles that have factory anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Seat Belt Discounts – Drivers who require all occupants to buckle up before driving can save a little off the medical payments premium.
  • Professional Memberships – Having an affiliation with a professional or civic organization can get you a small discount when shopping for insurance.
  • Multi-car Discount – Buying insurance for primary and secondary vehicles with one company may reduce the rate for each vehicle.
  • Discount for Good Grades – Performing well in school may save as much as 25% on a insurance coverage quote. This discount can apply well after school through age 25.
  • Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease for Century insurance but check with your company.
  • College Student – Kids who are attending college and don’t have a car could get you a discount.
  • Passive Restraint Discount – Options like air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.

As is typical with insurance, some credits don’t apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.

To find insurance companies with discount insurance rates, click here.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

  • What is roadside assistance coverage?
  • How can I force my company to pay a claim?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need PIP coverage since I have good health insurance?
  • How do I buy GAP insurance?
  • How do I insure my teen driver?
  • Is my 2002 Buick Century covered for smoke damage?
  • Do I need rental car coverage?
  • Will filing a claim cost me more?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Specific coverage details

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision 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 pays for things like backing into a parked car, colliding with a tree, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability

This protects you from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair costs for stationary objects, pain and suffering and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like nursing services, hospital visits, ambulance fees, dental work and prosthetic devices. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Shop Smart and Save

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where someone sacrificed liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, denial of a claim, policy non-renewal and even lack of trust in their agent. Regardless of your reason for switching companies, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

You just learned a lot of information how to save on 2002 Buick Century insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheaper insurance coverage. Consumers could even find that the lowest prices are with the least-expected company.

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