1995 Buick Century Car Insurance Quotes – 10 Tips for Cheapest Rates

Want the cheapest auto insurance rates for your Buick Century? Are you burned out from sacrificing other expenses to pay high auto insurance rates every month? You have the same problem as most other people. Popular companies such as Geico and Progressive constantly bombard you with advertising and it is challenging if not impossible to ignore the propoganda and take the time to shop coverage around.

If you are insured now or are just looking to switch companies, you can use this information to find the best rates and possibly find even better coverage. Buying car insurance is not rocket science. Drivers just need to know the best way to buy insurance online.

How to get auto insurance quotes

There are a lot of ways to compare auto insurance prices but some are less labor-intensive and much quicker. You could spend the better part of a day driving to insurance companies in your area, or you could use the internet to get rates in a matter of minutes.

Most of the larger companies take part in a program that enables customers to enter their policy data once, and at least one company then returns a price quote. This system prevents you from having to do quotation requests to every company.

To find out what other companies charge click here to open in new window.

The one disadvantage to pricing coverage this way is you can’t choose which providers to receive prices from. So if you want to select individual companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using the exact same coverages for each quote you get. If you are comparing different limits and deductibles on each one it will be very difficult to make a fair comparison for your Buick Century.

Save money with these ten discounts

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. Certain credits will be shown at the time you complete a quote, but some may not be applied and must be specially asked for in order for you to get them.

• Telematics Devices – Drivers who agree to allow driving data submission to study vehicle usage by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if their driving habits are good.
• Military Discounts – Being deployed with a military unit could mean lower premium rates.
• Government Employee Discount – Active or former government employment could cut as much as 10% off for Century insurance with certain companies.
• No Claim Discounts – Drivers who don’t have accidents can earn big discounts in comparison to drivers with a long claim history.
• Anti-theft System – Anti-theft and alarm system equipped vehicles can help prevent theft and will save you 10% or more.
• Homeowners Savings – Just being a homeowner can save a few bucks because of the fact that having a home demonstrates responsibility.
• Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
• Distant Student – who live away from home to go to college and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Accident Forgiveness – This isn’t a discount exactly, but a few companies such as State Farm, Progressive and Geico will let one accident slide before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
• New Vehicle Savings – Buying a new car model can cost up to 25% less compared to insuring an older model.

You should keep in mind that most credits do not apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Even though it appears you could get a free insurance coverage policy, you’re out of luck. Any amount of discount will positively reduce the cost of coverage.

A few of the larger companies and some of their more popular discounts are shown below.

• Farm Bureau discounts include multi-policy, youthful driver, multi-vehicle, good student, safe driver, and 55 and retired.
• Liberty Mutual may have discounts that include new vehicle discount, new move discount, multi-car, exclusive group savings, teen driver discount, new graduate, and newly retired.
• State Farm offers discounts including good driver, Steer Clear safe driver discount, good student, safe vehicle, and multiple policy.
• Auto-Owners Insurance policyholders can earn discounts including student away at school, paid in full, safe vehicle, multi-policy, mature driver, safe driver, and multiple vehicles.
• Geico includes discounts for multi-policy, good student, air bags, membership and employees, federal employee, five-year accident-free, and military active duty.
• SAFECO offers premium reductions for bundle discounts, drive less, accident prevention training, anti-lock brakes, and teen safe driver.

When getting free insurance quotes, it’s a good idea to every company which discounts you qualify for. Savings might not be offered on policies in your area. To view insurance companies with the best discounts, click this link.

What is the best insurance coverage coverage?

When choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help highlight if your situation will benefit from professional help.

• Does my 1995 Buick Century qualify for pleasure use?
• Is my teen driver covered when they drive my company car?
• Are my tools covered if they get stolen from my vehicle?
• How much liability coverage do I need in my state?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is there coverage for injuries to my pets?
• Am I covered when delivering products for my home-based business?
• What can I do if my company won’t pay a claim?
• How many claims can I have before being cancelled?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Advertising and insurance

Consumers constantly see and hear ads that claim the lowest rates by Geico, State Farm and Progressive. All the ads try to convey promises about how much you will save if you move your coverage.

How does each company offer drivers better rates?

Insurance companies provide the lowest rates for the type of driver that will most likely be profitable. One example of a desirable risk might be between the ages of 30 and 45, carries high limits, and has a high credit rating. A driver that fits those parameters will most likely get cheap premium rates and as a result will probably save a lot of money.

Consumers who do not match the “perfect” profile will get more expensive rates which usually ends up with the prospect going elsewhere. Company advertisements say “drivers who switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can advertise the savings. Because of the profiling, you really should get insurance quotes from several different companies. It is impossible to predict which insurance company will have the lowest rates.

Information about specific coverages

Having a good grasp of a car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverage types offered by car insurance companies.

Comprehensive car insurance

Comprehensive insurance pays for 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 coverage protects against things like fire damage, hail damage, hitting a deer, damage from a tornado or hurricane and theft. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, scraping a guard rail, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses like EMT expenses, surgery and chiropractic care. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

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

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Liability coverages

Liability coverage will cover injuries or damage you cause to a person or their property. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims such as repair bills for other people’s vehicles, pain and suffering, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Shop Smart and Save

Cost effective 1995 Buick Century insurance is attainable on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide online quoting and these small insurance companies work with independent insurance agencies.

We just showed you a lot of tips how to compare 1995 Buick Century insurance auto insurance rates online. The key concept to understand is the more price quotes you have, the higher your chance of finding cheaper insurance. You may be surprised to find that the most savings is with a smaller regional carrier. Smaller companies can often provide lower premium rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. In many cases, drivers have reduced comprehensive coverage or liability limits and learned later that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the best price.

To read more, take a look at these articles:

• Child Safety Seats (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Get the Right Protection (InsureUonline.org)
• Choosing a Car for Your Teen (State Farm)