2000 Buick Century Insurance Cost – 10 Discounts for Best Prices

Looking for better insurance rates for your Buick Century? Buying affordable insurance on the internet may be problematic for people who are new to comparison shopping online. Because there are so many online companies available, how can drivers effectively compare them all to find the best pricing?

Smart consumers take time to take a look at other company’s rates at least once a year due to the fact that insurance rates change quite often. If you had the best rates for Century insurance on your last policy a different company probably has better rates today. Block out anything you think you know about insurance because we’re going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

Buying cheaper protection is easy if you know what you’re doing. Basically, every vehicle owner who has to buy car insurance will most likely be able to find lower rates. But drivers need to learn how insurance companies sell insurance online and use this information to your advantage.

Verify you’re getting all your discounts

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. Some trigger automatically at quote time, but a few need to be inquired about before they will apply.

  • No Charge for an Accident – A few companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • College Student – Youth drivers who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because owning a home demonstrates responsibility.
  • Low Mileage – Keeping the miles down on your Buick could qualify for discounted rates on garaged vehicles.
  • Organization Discounts – Participating in a professional or civic organization could qualify you for a break on auto insurance for Century insurance.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • 55 and Retired – If you’re over the age of 55, you may receive better auto insurance rates for Century insurance.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will bring down the cost of coverage.

To see a list of companies who offer auto insurance discounts, click this link.

Car Insurance Prices

The are a couple different ways to get quotes from car insurance companies in your area. The best method to find the lowest 2000 Buick Century rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This form eliminates the need for a different quote for every car insurance company. In just a few minutes this one form will get you rate comparisons from several companies.It’s the quickest way to get rates.

A harder way to compare rate quotes is going to the website for each individual company to complete their respective quote request forms. For instance, we’ll assume you want rates from USAA, 21st Century and Allstate. You would have to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Whichever way you use, double check that you are using identical coverages and limits for every company. If each company quotes different limits and deductibles on each one it’s impossible to determine the best price for your Buick Century. Slightly different insurance coverages may result in large price differences. Keep in mind that quoting more gives you a better chance of getting the best rates.

When should I talk to an agent?

When buying coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Is rental equipment covered for theft or damage?
  • What if I don’t agree with a claim settlement offer?
  • Is extra glass coverage worth it?
  • When do I need to add a new car to my policy?
  • Will my insurance pay for OEM parts?
  • How much underlying liability do I need for an umbrella policy?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Can switching companies really save?

State Farm and Allstate regularly use ads on television and other media. All the companies make an identical promise that you can save if you move your policy. But how can every company make the same claim? This is how they do it.

All the different companies can use profiling for the right customer that makes them money. An example of a driver they prefer might be profiled as over the age of 50, has no prior claims, and chooses high deductibles. Any driver who meets those qualifications receives the best rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t measure up to these standards must pay higher rates and this can result in the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save money. That’s why insurance companies can make the claims of big savings.

This illustrates why drivers must get quotes from several different companies. You cannot predict which company will provide you with the cheapest Buick Century insurance rates.

Insurance coverage specifics

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, EMT expenses, surgery, rehabilitation expenses and ambulance fees. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverages – Collision insurance will pay to fix damage to your Century resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Auto liability insurance – Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, repair bills for other people’s vehicles, medical services and attorney fees. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Compare but don’t skimp

Throughout this article, we presented many tips how you can reduce 2000 Buick Century insurance prices online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from the least-expected company.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced liability coverage limits to discover at claim time that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Drivers leave their current company for many reasons like extreme rates for teen drivers, delays in responding to claim requests, policy non-renewal or being labeled a high risk driver. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

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