How Much Does 1995 Buick Century Insurance Cost?

Searching for the cheapest insurance coverage rates for your Buick Century? Are you tired of paying out the nose to insure your Buick every month? You are no different than the majority of other car owners. Drivers have so many insurers to insure vehicles with, and although it’s nice to have a selection, having more car insurance companies makes it harder to compare company pricing.

Insurance Coverage Prices

Cutting your insurance coverage rates is surprisingly easy. You just need to invest a few minutes comparing price quotes provided by online insurance companies. This can be accomplished in several different ways.

  1. One of the simplest ways to find the lowest comparison rates is a comparison rater form click here to open form in new window. This easy form saves time by eliminating repetitive form entry for each company. One quote request will get you price quotes instantly.
  2. A more difficult way to get quotes online is to manually visit each company’s website to request a price quote. For example, we’ll pretend you want to compare GEICO, 21st Century and State Farm. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

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

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage information with each company. If you use unequal deductibles or liability limits it’s not possible to decipher which rate is best.

How to save on Buick Century insurance

Auto insurance companies do not advertise all their discounts very clearly, so the following is a list of both the well known and also the lesser-known auto insurance savings. If you’re not getting every credit available, you are throwing money away.

  • Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • No Claims – Claim-free drivers pay much less when compared with frequent claim filers.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for Century insurance depending on your company.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for Century insurance than their less cautious counterparts.
  • Sign Online – A handful of insurance companies may give you up to $50 simply for signing on their website.
  • Driver Safety – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.

It’s important to note that most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Just because it seems like you could get a free auto insurance policy, companies don’t profit that way.

For a list of companies who offer auto insurance discounts, click here to view.

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

  • What are the financial responsibility laws in my state?
  • Which companies will insure high-risk drivers?
  • Is upholstery damage covered by car insurance?
  • Is my dog or cat covered if injured in an accident?
  • How can I get my company to pay me more for my totalled car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Will my rates increase for filing one claim?

If it’s difficult to answer those questions but a few of them apply, 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 or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Your Buick Century insurance rate is a complex equation

It’s important that you understand some of the elements that come into play when calculating the price you pay for car insurance. Understanding what influences your rates enables informed choices that will entitle you to better car insurance rates.

  • Being married is a good thing – Getting married can actually save you money on your policy. Marriage is viewed as being more responsible and statistics show married drivers get in fewer accidents.
  • Men pay higher rates – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. They both have accidents at a similar rate, but the male of the species cause more damage. Men also tend to get cited for more serious violations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
  • Rates may be higher depending on your occupation – Jobs such as real estate brokers, social workers and financial analysts have higher average rates in part from high stress and long work days. Conversely, occupations such as actors, engineers and the unemployed get better rates for Century insurance.
  • Safe vehicles cost less to insure – Vehicles with good safety scores get lower rates. The safest vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your Buick Century has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • How many coverages with the same company – Most car insurance companies will award you with lower prices to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to verify if the discount is saving money. You may still be able to find a better deal by buying insurance from more than one company.

Car insurance specifics

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages available from car insurance companies.

Comprehensive or Other Than Collision – This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, a broken windshield, damage from a tornado or hurricane and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Buick Century.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

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

Collision insurance covers claims like sideswiping another vehicle, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Auto liability insurance – Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as attorney fees, court costs, pain and suffering and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for ambulance fees, dental work, rehabilitation expenses, chiropractic care and pain medications. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Quote more, save more

Low-cost 1995 Buick Century insurance can be bought from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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