1997 Buick Century Insurance Quotes

Want lower insurance coverage rates for your Buick Century? Have you fallen victim to overpriced insurance coverage? Trust us when we tell you you’re not alone.

Big-name insurance companies like GEICO, Progressive and Allstate promote their brand names with ads and consumers find it hard to sift through the bull and find the best price available.

Finding Auto Insurance Deals

When shopping for auto insurance there are multiple ways to compare rate quotes from different insurance companies. The recommended way to find the cheapest 1997 Buick Century insurance rates is to use the internet to compare rates. This can be done in a couple of different ways.

  • The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for repetitive form entry to each individual auto insurance company. One simple form gets you price quotes direct from many companies.
  • A less efficient way to shop for auto insurance online is to manually visit the website of each company and request a quote. For example, let’s assume you want comparison quotes from Liberty Mutual, Allstate and American Family. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but be sure to compare identical deductibles and coverage limits on every quote you get. If you are comparing mixed coverages it will be next to impossible to decipher which rate is best. Quoting even small variations in insurance coverages can result in a big premium difference. Just remember that quoting more helps you find lower pricing.

The fine print in auto insurance ads

GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. All the companies make an identical promise that you’ll save big if you switch to them. But how can every company make the same claim? It’s all in the numbers.

Different companies have a preferred profile for the right customer that earns them a profit. For instance, a driver they prefer might be profiled as over the age of 50, has no prior claims, and has excellent credit. A driver who meets those qualifications is entitled to the best price and as a result will probably save a lot of money.

Potential insureds who don’t measure up to these standards will be charged more money which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save money. That’s why insurance companies can confidently state the savings.

That is why it’s extremely important to get as many comparisons as possible. It is impossible to predict which company will give you the biggest savings on Buick Century insurance.

Why your Buick Century insurance rates may be high

It’s important that you understand some of the elements that help determine the price you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that can help you get lower car insurance prices.

  • Equipment add-ons that lower car insurance rates – Driving a car with an alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • A clean driving record saves money – Only having one speeding ticket can boost insurance rates forty percent or more. Careful drivers receive lower rates than people who have multiple driving citations. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Clean credit earns discounts – Credit score is a important factor in your rate calculation. Therefore, if your credit score is lower than you’d like, you could pay less to insure your 1997 Buick Century by improving your rating. People with high credit scores tend to be more responsible than those with poor credit.
  • Safer cars cost less to insure – Vehicles with good safety scores can get you lower premiums. Safe vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies and thus lower rates. If your Buick Century has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Discounts are basically free money

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • E-sign – A few companies may give you up to $50 just for signing your application online.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Bundle and Save – When you have multiple policies with the same company you may save up to 20% off your total premium.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Low Mileage Discounts – Fewer annual miles on your Buick could qualify for discounted rates on garaged vehicles.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.

It’s important to note that many deductions do not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will reduce your premiums.

For a list of insurance companies with discount insurance rates, click here to view.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions might point out whether or not you would benefit from an agent’s advice.

  • Can my teen drive my company car?
  • Why do I only qualify for high-risk insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • What discounts do I qualify for?
  • Does my 1997 Buick Century need full coverage?
  • Am I covered if I crash into my own garage door?
  • Am I covered if my car is in a flood?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Car insurance policy specifics

Learning about specific coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from car insurance companies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for surgery, pain medications, nursing services and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are identical to your policy’s liability coverage.

Liability insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, repair costs for stationary objects, attorney fees, court costs and legal defense fees. How much coverage you buy is your choice, but buy as much as you can afford.

Collision coverage protection

This pays for damage to your Century caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive car insurance

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, falling objects and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Best coverage at the best price

Discount 1997 Buick Century insurance is definitely available both online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at the best price, not the least amount of coverage.

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