Cheaper 1994 Buick Century Car Insurance Rates

Want better insurance rates for your Buick Century? Scraping up a payment for overpriced Buick Century insurance can dwindle your bank account, especially in this economy. Shopping your coverage around is a great way to help make ends meet. Because there are so many online and local companies to choose from, it is hard for the average consumer to choose the lowest price insurance company.

It’s important to take a look at other company’s rates before your policy renews due to the fact that insurance rates tend to go up over time. Just because you had the best deal for Century insurance a few years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to find out the fastest way to eliminate unnecessary coverages and save money.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. Drivers only need an understanding of the most efficient way to find the lowest price online.

These factors can influence what you pay for Buick Century insurance

Smart consumers have a good feel for the factors that help determine the rates you pay for insurance. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with better insurance rates.

The following are a partial list of the pieces companies use to determine rates.

  • How’s your driving record? – Careful drivers get better rates than their less careful counterparts. Even a single citation can boost insurance rates by as much as thirty percent. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Extra add-on coverages are wasting money – There are quite a few add-on coverages that you can get tricked into buying on your insurance policy. Coverages for personal injury protection, accidental death and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Never let your coverage lapse – Driving without insurance is illegal and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Bundling policies can get discounts – Most insurance companies will give a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, you may still want to shop around to verify if the discount is saving money.
  • Women pay lower rates – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women cause accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations like DUI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • Having a spouse can save you money – Having a spouse helps lower the price on your insurance policy. Marriage usually means you are more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • Theft deterrents lower rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.

Compare Car Insurance Costs

There are a variety of methods to compare 1994 Buick Century car insurance prices but some are more efficient than others. You can waste a lot of time talking to insurance agencies in your area, or you could save time and use the internet for quick rates.

Most car insurance companies belong to an insurance system that enables customers to send in one quote, and each company returns a rated price for coverage. This prevents consumers from doing quotation requests to each individual car insurance company.

To compare 1994 Buick Century rates now click here to open in new window.

The one disadvantage to pricing coverage this way is that consumers can’t choose the companies you want to price. If you would rather choose specific insurance companies for rate comparison, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but be sure to compare exactly the same coverages for each price quote. If you compare different values for each quote it’s impossible to make an equal comparison.

Cut prices on 1994 Buick Century insurance

Auto insurance companies do not list every discount very clearly, so we took the time to find some of the more common and also the lesser-known ways to save on auto insurance. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • One Accident Forgiven – A few companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn a substantially lower rate.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Century insurance than less cautious drivers.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Early Switch Discount – Select companies give a discount for signing up before your current policy expires. It’s a savings of about 10%.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Memberships – Belonging to a qualifying organization could trigger savings on your policy for Century insurance.

It’s important to understand that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

Companies who might offer these discounts include:

Before buying, ask all companies you are considering which discounts they offer. Savings may not apply everywhere.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Are my friends covered when driving my car?
  • How can I force my company to pay a claim?
  • Why am I required to buy liability insurance?
  • Should I put collision coverage on all my vehicles?
  • Does my policy pay for OEM or aftermarket parts?
  • When can my company non-renew my policy?
  • What if I don’t agree with a claim settlement offer?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Understanding the coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Liability

Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as legal defense fees, bail bonds, loss of income and structural damage. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, rock chips in glass, a broken windshield, falling objects and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

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

Collision coverage protects against claims such as colliding with another moving vehicle, driving through your garage door, damaging your car on a curb, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for ambulance fees, prosthetic devices, nursing services and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Buick Century.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Be a Smart Shopper

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. In many cases, an accident victim reduced uninsured motorist or liability limits only to discover later that the savings was not a smart move. The aim is to get the best coverage possible at the best price.

We just showed you a lot of information how to compare 1994 Buick Century insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the best prices are with a smaller regional carrier. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

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