1991 Buick Century Insurance Quotes

Looking for lower car insurance rates for your Buick Century? Feel like you have overpriced car insurance? Don’t sweat it because you’re not the only one. Numerous insurers battle for your hard-earned dollar, so it’s not easy to compare every company and get the definite lowest rate possible.

It’s smart to compare premium rates at least once a year since prices tend to go up over time. If you had the lowest rate for Century coverage last year you can probably find a better premium rate now. You can find a lot of misleading information regarding car insurance on the internet, but you can learn the best ways to find affordable car insurance.

Are you qualifying for every discount?

Some insurance providers don’t always publicize every discount in a way that’s easy to find, so the following is a list of some of the more common and also the more inconspicuous ways to save on auto insurance.

• Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less because newer models are generally safer.
• Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% for Century coverage with some auto insurance companies.
• Theft Deterent System – Vehicles with anti-theft systems help deter theft and will qualify for a discount on a car insurance quote.
• Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
• No Claims – Good drivers with no accidents pay less as opposed to drivers who are more careless.
• Driver Safety – Participating in a class that teaches safe driver techniques is a good idea and can lower rates if your company offers it.

Policy discounts save money, but many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. Despite the appearance that you could get a free auto insurance policy, you won’t be that lucky.

A few of the larger companies and a partial list of their discounts include:

• State Farm has discounts for passive restraint, good student, student away at school, good driver, and Steer Clear safe driver discount.
• Farmers Insurance offers discounts for pay in full, youthful driver, teen driver, early shopping, and homeowner.
• Geico may offer discounts for military active duty, emergency military deployment, multi-vehicle, seat belt use, and anti-lock brakes.
• American Family discounts include TimeAway discount, air bags, accident-free, good student, defensive driver, and bundled insurance.
• Nationwide may include discounts for family plan, Farm Bureau membership, accident-free, easy pay, business or organization, and defensive driving.
• Progressive offers discounts including multi-vehicle, homeowner, good student, continuous coverage, online signing, and online quote discount.

Before you buy a policy, ask each company which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in every state. To choose auto insurance companies offering auto insurance discounts, follow this link.

The fastest way that we advise to get policy rate comparisons is to know the trick most of the bigger providers have advanced systems to compare rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information such as if you are currently licensed, how your vehicles are used, what you do for a living, and the ages of drivers. That rating information is automatically sent to multiple different insurance companies and you will receive price estimates instantly to find the best rate.

If you wish to get multiple quotes for your car now, click here and enter the information requested.

When in doubt talk to an agent

When it comes to choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions might point out if your situation might need an agent’s assistance.

• Who is covered when they drive my 1991 Buick Century?
• Am I covered when driving in Canada or Mexico?
• How can I get my company to pay me more for my totalled car?
• What is an SR-22 filing?
• Am I covered when driving on a suspended license?
• Does insurance cover tools stolen from my truck?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages explained

Having a good grasp of auto insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages available from auto insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills for rehabilitation expenses, doctor visits and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Auto liability

Liability coverage protects you from damage or injury you incur to other people or property. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, damage from flooding, hitting a deer, rock chips in glass and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision insurance covers damage to your Century resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Buick Century.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

More quotes. Lower rates.

More affordable insurance coverage is definitely available both online as well as from insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers don’t offer online rate quotes and usually these smaller companies prefer to sell through local independent agents.

You just learned some good ideas how to reduce 1991 Buick Century insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the best car insurance rates are with a lesser-known regional company. These companies can often provide lower premium rates in certain areas than the large multi-state companies such as Geico and State Farm.

Additional insurance coverage information can be read below:

• Older Drivers FAQ (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• State Car Insurance Guides (Geico)
• Child Safety Seats (Insurance Information Insitute)