2003 Buick Century Insurance Quotes – 5 Policy Discounts

Trying to find cheaper insurance rates for your Buick Century? Car insurance shoppers not familiar with comparing insurance quotes on the web may discover purchasing the cheapest car insurance is harder than it needs to be.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. This article will let you in on the best way to quote coverages and some money-saving tips. Nevertheless, car owners do need to learn how insurance companies market insurance on the web and apply this information to your search.

Compare insurance coverage quotes

To find the best insurance coverage prices, there are several ways to obtain and compare prices from different insurance companies. One of the best ways to find affordable Buick Century insurance rates is to jump online and get quotes. This can be done by using one of the methods below.

  1. The best way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for boring form submissions for each company you want a rate for. Just one form gets prices estimates from all major companies. It’s the fastest way to compare.
  2. A more time consuming way to compare rate quotes requires you to visit the website for each individual company and fill out their own quote form. For example, we’ll pretend you want to see prices from Nationwide, Liberty Mutual and Allstate. To get each rate you have to navigate to each company’s site and punch in your information repeatedly, which can be really labor intensive.

    For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you compare the same quote information for each quote you get. If the quotes have higher or lower deductibles it will be impossible to truly determine the lowest rate. Slightly different limits may cause a big price difference. And when comparison shopping, comparing all the rates in your area will increase your chances of finding more affordable insurance. Some companies don’t provide online rate quotes, so you should also compare prices from the smaller companies as well.

Is there truth in advertising?

Big name companies like State Farm, GEICO and Progressive endlessly run television, radio, and online ads. They all seem to make an identical promise of big savings if you just switch your coverage. That’s great but how can every company give you a lower rate? You have to listen carefully.

Insurance companies have specific criteria for the right customer that will generate a profit. An example of a profitable customer could be between the ages of 40 and 55, has no prior claims, and the vehicle is rated for pleasure use. Any person that hits that “sweet spot” will probably get the lowest premium rates and most likely will save some money.

Insureds who are not a match for these standards will be quoted a higher rate which leads to the prospect going elsewhere. Company advertisements say “drivers that switch” not “everyone that quotes” save the amount stated. This is how companies can make claims like that. This emphasizes why you really should get price quotes at each policy renewal. It is just not possible to predict which auto insurance company will have the best rates at this point in time.

Lower rates by qualifying for these five discounts

Insurance is not inexpensive, but you can get discounts that you may not even be aware of. Many discounts should be triggered when you purchase, but a few must be specially asked for before you will receive the discount. If they aren’t giving you every credit available, you may be paying too high a price.

  • Driver Training Discounts – Taking time to complete a course that instructs on driving safety may get you a small discount and easily recoup the cost of the course.
  • Distant Student – living away from home attending college and leave their car at home may qualify for this discount.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts can save 10% or more off the PIP or medical payment premium.
  • Driver’s Education for Students – Have your child take driver’s ed class in school.
  • Fewer Miles Equal More Savings – Low annual miles could qualify for better premium rates on cars that stay parked.

Don’t be surprised that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will cut the amount you pay for coverage.

If you would like to view insurers that provide some of the discounts listed above, follow this link.

Insurance is unique, just like you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions can help discover if you will benefit from professional help.

  • How can I force my company to pay a claim?
  • Does liability extend to a camper or trailer?
  • What vehicles should carry emergency assistance coverage?
  • Where can I find high-risk insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I carry comprehensive and collision coverage?
  • What if I owe more than I can insure my car for?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage options for a 2003 Buick Century

Learning about specific coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Buick Century.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Auto liability insurance – Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like pain and suffering, repair bills for other people’s vehicles, repair costs for stationary objects, court costs and medical services. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like ambulance fees, chiropractic care, dental work and pain medications. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers 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

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – Collision coverage pays for damage to your Century resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Be a penny pincher

We just showed you quite a bit of information on how to save on 2003 Buick Century insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the biggest savings come from the least-expected company.

Low-cost 2003 Buick Century insurance is available both online and from local insurance agents, so you need to quote car insurance with both to get a complete price analysis. Some companies do not offer the ability to get a quote online and most of the time these smaller companies prefer to sell through independent agencies.

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced physical damage coverage and discovered at claim time they didn’t purchase enough coverage. Your goal is to buy enough coverage at the best price, not the least amount of coverage.

Additional detailed information can be read by following these links: