2003 Buick Century Car Insurance Rates – 6 Tips to Save

Trying to find better car insurance rates for your Buick Century? Buying affordable car insurance online is rather challenging for beginners to price shopping online. When there are so many companies in the marketplace, how can you effectively compare every company to locate the best available price?

You should make it a habit to shop coverage around on a regular basis since rates change frequently. Even if you think you had the best deal on Century coverage two years ago you will most likely find a better rate today. There is a lot of bad advice regarding car insurance online but I’m going to show you some of the best ways to find affordable car insurance.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. The purpose of this post is to help educate you on the best way to quote coverages. But vehicle owners should learn the way companies compete online and take advantage of how the system works.

Best discounts on Buick Century coverage

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don’t even know exist. Some discounts apply automatically at the time of quoting, but some must be asked for before you will receive the discount.

  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Century coverage with select insurance companies.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Accident Free – Drivers who don’t have accidents pay much less compared to bad drivers.
  • Senior Citizens – Older drivers can possibly qualify for a discount up to 10% on Century coverage.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Century coverage than drivers with accident claims.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will cut the cost of coverage.

Car insurance companies that possibly offer some of the above discounts may include but are not limited to:

Check with each insurance company which discounts you may be entitled to. Discounts may not apply everywhere.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions can help discover if your situation may require specific advice.

  • Can my teen drive my company car?
  • Do I need PIP coverage since I have good health insurance?
  • When should my teen driver be added to my policy?
  • Is my trailer covered?
  • Does coverage extend to Mexico or Canada?
  • Why do I only qualify for high-risk insurance?
  • Where can I find DUI or SR-22 insurance?
  • Do I have coverage when making deliveries for my home business?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Coverage specifics

Having a good grasp of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for collisions

This pays for damage to your Century resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, backing into a parked car, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, a broken windshield and damage from getting keyed. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Buick Century.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, medical services and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, rehabilitation expenses and pain medications. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

More comparisons equals lower rates

Throughout this article, we presented many ways to lower your 2003 Buick Century insurance rates. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even find the lowest premiums are with a smaller regional carrier.

Consumers leave their current company for a variety of reasons including unfair underwriting practices, lack of trust in their agent, delays in paying claims or even poor customer service. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

Cost effective insurance can be found from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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