View 1996 Buick Century Car Insurance Rates

Trying to find cheaper auto insurance rates for your Buick Century? Vehicle owners fed up with high insurance rates and are new to comparing rates online can find purchasing cheaper insurance coverage can be quite challenging.

Smart consumers can cut insurance costs

It’s important that you understand the factors that go into determining your premiums. If you know what determines premiums, this helps enable you to make changes that could result in cheaper rates. Lots of things are used in the calculation when quoting car insurance. Some factors are common sense such as traffic violations, but other criteria are more transparent like your vehicle usage or your financial responsibility.

The list below includes most of the major factors used by your company to calculate rates.

• Better premiums for uninterrupted coverage – Letting your insurance expire is a fast way to drive up your policy premiums. Not only will you pay more, being ticketed for driving with no insurance may result in a fine, jail time, or a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• File a claims and pay more – If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Insurance companies give the best rates to insureds who are claim-free. Insurance coverage is designed for claims that pose a financial burden.
• You may save more by bundling policies – Many insurance companies apply a discount to customers that purchase more than one policy in the form of a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, you still need to compare rates to make sure you are getting the best deal.
• High premiums for younger drivers – Older, more experienced drivers are proven to be safer behind the wheel, cost insurance companies less in claims and get fewer tickets.Inexperience drivers are statistically shown to be inattentive with other occupants in the car therefore insurance coverage rates are much higher.
• Poor credit can mean higher prices – Credit score is a large factor in determining premium rates. Drivers with very good credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit. If your credit rating is not that good, you could save money insuring your 1996 Buick Century by improving your credit score.
• Accidents will cost you – Even a single speeding ticket may cause rates to rise by as much as twenty percent. Attentive drivers pay lower auto insurance prices compared to bad drivers. People who have license-revoking citations like DUI or reckless driving might be required by their state to maintain a SR-22 with their state in order to continue driving.
• Stress out and pay more – Careers like military generals, business owners and emergency personnel have higher premium rates due to intense work-related stress and extremely grueling work hours. On the flip side, professions such as professors, athletes and homemakers get better rates on Century insurance.
• Drive lots and pay more – The more you drive your Buick every year the more you’ll pay to insure it. A lot of insurance companies rate vehicles partially by how you use the vehicle. Autos used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Ask your agent if your insurance coverage declarations sheet is rated on the correct usage for each vehicle. Improper usage on your Century may be costing you.

Take advantage of with these discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that you may not know about. Certain discounts will be triggered automatically when you complete an application, but some need to be manually applied before you get the savings. If you aren’t receiving every discount you deserve, you could be saving more on your car insurance.

• Homeowners Pay Less – Owning your own home or condo may earn you a small savings since owning and maintaining a home demonstrates responsibility.
• More Vehicles More Savings – Buying a policy with primary and secondary vehicles with the same company can reduce the rates for all insured vehicles.
• Good Student – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students up to age 25.
• Paperwork-free – A few larger online companies provide a small discount get insurance coverage online.
• Distant College Student Discount – Any of your kids who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, you aren’t that lucky. But any discount should definitely cut your policy cost.

Larger car insurance companies and some of the premium reductions they offer can be read below.

• State Farm may have discounts that include Steer Clear safe driver discount, passive restraint, accident-free, student away at school, and safe vehicle.
• American Family may include discounts for air bags, good driver, multi-vehicle, early bird, accident-free, and bundled insurance.
• Geico may offer discounts for military active duty, seat belt use, anti-theft, driver training, multi-policy, and daytime running lights.
• 21st Century discounts include defensive driver, theft prevention, 55 and older, homeowners, good student, and teen driver.
• Progressive offers premium reductions for homeowner, online signing, multi-vehicle, online quote discount, good student, and multi-policy.

Double check with all companies you are considering the best way to save money. All car insurance discounts may not apply everywhere.

Your situation helps dictate your coverage

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.

These are some specific questions could help you determine if your insurance needs could use an agent’s help.

• Do I need medical payments coverage since I have good health insurance?
• Do I need roadside assistance coverage?
• Does coverage extend to my business vehicle?
• When can my company non-renew my policy?
• Do I benefit by insuring my home with the same company?
• I have a DUI can I still get coverage?
• Can my teen drive my company car?
• When do I need to add a new car to my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Educate yourself about car insurance coverages

Understanding the coverages of car insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability

Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as medical services, attorney fees, legal defense fees and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision coverage pays for damage to your Century resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, backing into a parked car, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for things like ambulance fees, surgery, dental work and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout 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 not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Buick Century.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage on a shoestring budget

Consumers leave their current company for many reasons like not issuing a premium refund, extreme rates for teen drivers, delays in paying claims or being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company is less work than it seems.

In this article, we covered a lot of tips how to save on 1996 Buick Century insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best price on insurance is with a small mutual company.

As you quote insurance coverage, don’t be tempted to skimp on coverage in order to save money. Too many times, an accident victim reduced liability coverage limits only to discover later that they should have had better coverage. Your objective should be to find the BEST coverage at the best possible price.

Much more information about insurance can be read below:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)