1994 Buick Century Insurance Quotes – 7 Tips for Cheaper Rates

Looking for lower auto insurance rates for your Buick Century? Have you fallen victim to overpriced auto insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. Drivers have so many insurance companies to insure vehicles with, and even though it’s nice to have a choice, it makes it harder to find a good deal.

Take advantage of discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply at the time of quoting, but some must be inquired about before they will apply. If you don’t get every credit available, you’re just leaving money on the table.

  • Senior Discount – Older drivers may be able to get a discount up to 10% on Century coverage.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Century coverage than drivers with accidents.
  • Homeowners Pay Less – Owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.

It’s important to understand that many deductions do not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. So when the math indicates you could get a free insurance policy, companies wouldn’t make money that way. Any amount of discount will help reduce your premiums.

To see a list of insurers with discount insurance rates, follow this link.

How to know if you need help

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Where can I get insurance after a DUI in my state?
  • Can I afford low physical damage deductibles?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does having multiple vehicles earn me a discount?
  • Am I covered when driving a rental car?
  • Am I getting all the discounts available?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverages

Knowing the specifics of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, damage from flooding and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as hospital visits, nursing services, funeral costs, chiropractic care and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as structural damage, funeral expenses, medical services, court costs and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Buick Century.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Shop. Compare. Save.

The cheapest 1994 Buick Century insurance can be purchased online and also from your neighborhood agents, so you should compare both to have the best selection. Some insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.

As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. There are many occasions where someone dropped full coverage only to regret at claim time that they should have had better coverage. Your focus should be to buy enough coverage for the lowest price.

We’ve covered quite a bit of information on how to compare insurance prices online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.

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