2002 Buick Century Insurance Rates – 7 Tips to Save

Finding better insurance prices for a Buick Century could be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to shop for car insurance and we’ll show you the quickest way to get price quotes for a new or used Buick and obtain the best price possible.

You should take the time to do rate comparisons quite often because rates tend to go up over time. Just because you found the lowest premium rates on Century insurance at your last renewal you may be paying too much now. There are lots of tips to save on car insurance out there, but in this article, you’re going to get some solid techniques on how to reduce your car insurance bill.

Take advantage of these seven premium-slashing discounts

Some providers don’t always publicize every available discount in an easy-to-find place, so we break down some of the more common as well as some of the hidden discounts you could be receiving when you buy auto insurance online. If you check and find you aren’t receiving every discount available, you could be getting lower rates.

• Multi-Vehicle Discounts – Buying a policy with several vehicles on one policy can reduce rates for all insured vehicles.
• Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems can help prevent theft so companies will give you a small discount.
• Defensive Driver Discount – Taking part in a course in defensive driver could earn you a small percentage discount and make you a better driver.
• Memberships – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on insurance coverage.
• Discount for Home Ownership – Simply owning a home can get you a discount since owning and maintaining a home shows financial diligence.
• Good Student – Being a good student can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
• Renewal Discounts – Select larger companies give a discount for buying a policy prior to your current policy expiring. This discount can save up to 10%.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like you can get free auto insurance, nobody gets a free ride.

To locate insurance coverage companies with the best insurance coverage discounts, click here to view.

The quickest method we recommend to get rate comparisons takes advantage of the fact most of the larger companies pay for the opportunity to compare their rates. To get started, all you need to do is spend a couple of minutes providing details including how your vehicles are used, if you lease or own, whether or not you need a SR-22, and distance driven. That rating data gets sent immediately to multiple companies and you will get price comparisons quickly.

Do I need special coverages?

When it comes to choosing coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique.

For example, these questions might point out if your insurance needs may require specific advice.

• Is my nanny covered when driving my vehicle?
• When should I buy a commercial auto policy?
• What is UM/UIM insurance?
• What are the financial responsibility laws in my state?
• When can I cancel my policy?
• Do I need to file an SR-22 for a DUI in my state?
• What is roadside assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Car insurance coverage considerations

Understanding the coverages of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for liability

Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Buick Century.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for EMT expenses, surgery, funeral costs and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage covers damage to your Century from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hitting a deer, damage from a tornado or hurricane and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be a money saver!

In this article, we presented many ideas to save on 2002 Buick Century insurance. The key thing to remember is the more times you quote, the higher your chance of finding affordable auto insurance. Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

People switch companies for a variety of reasons including policy cancellation, delays in responding to claim requests, an unsatisfactory settlement offer or questionable increases in premium. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

Budget-friendly car insurance is possible on the web in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some car insurance companies don’t offer the ability to get quotes online and usually these smaller companies only sell through independent agents.

Helpful learning opportunities

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• What is Covered by GAP Insurance? (Allstate)
• Booster Seat Ratings (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)