1997 Buick Century Insurance Rates

Searching for the cheapest insurance for a Buick Century can turn out to be a lot of work, but you can use these tips to save time.

There is a better way to shop for car insurance so we’re going to tell you the quickest way to price shop coverage for a Buick and obtain the lowest price from local insurance agents and online providers.

Finding Insurance Coverage Deals

Getting a cheaper price on 1997 Buick Century insurance is actually quite simple. You just have to take a few minutes to compare quotes provided by online insurance companies. This can be done using a couple different methods.

The best way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do a different quote for every insurance coverage company. One simple form gets rate comparisons from insurance coverage companies with the best prices. Recommended for those who want to invest the least amount of time.

A harder way to analyze rates requires you to visit the website of each company to complete their respective quote request forms. For example, let’s say you want comparison quotes from Progressive, Farmers and Geico. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

The least recommended way to compare rates is driving to local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the professional advice that only a license agent can provide. Drivers can find lower rates online but still have the advice of a local agent and we’ll cover that in a bit.

Whichever method you choose, compare the exact same deductibles and coverage limits on every quote. If you compare different deductibles it’s impossible to decipher which rate is best.

Save on 1997 Buick Century insurance

Insuring your vehicles can cost a lot, but you may find discounts that many people don’t even know exist. Some discounts apply automatically at the time of quoting, but some may not be applied and must be manually applied prior to receiving the credit. If you don’t get every credit possible, you’re paying more than you need to.

  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount on Century coverage with certain companies.
  • Discount for Swiching Early – A few companies offer discounts for signing up before your current expiration date. The savings is around 10%.
  • Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.

It’s important to understand that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.

A partial list of companies who might offer these benefits are:

Before buying, ask every prospective company what discounts are available to you. Savings might not apply in your state.

Why your Buick Century might be costing you more

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for auto insurance. Understanding what determines base rates enables informed choices that can help you get lower auto insurance prices.

  • Choose a safe vehicle and save – Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries means less money paid by your insurance company and lower rates for you. If your Buick is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • Multi-policy discounts can save money – Most insurers give discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to compare other company rates to make sure you are getting the best deal. You may still be able to find better rates by buying auto insurance from a different company.
  • Women pay lower rates – Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. They both are in accidents at about the same rate, but men have costlier accidents. Men also get more serious tickets such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for auto insurance? Careers like doctors, executives and accountants tend to pay higher rates than average attributed to job stress and lengthy work days. On the flip side, occupations like actors, athletes and homemakers have the lowest average rates on Century coverage.
  • The more you drive the more you pay – Driving more miles in a year’s time the more you will pay for auto insurance. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Century may be wasting your money. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage.
  • Never go without insurance – Driving with no insurance is against the law and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, getting caught without coverage will get you a steep fine or even jail time.

Tailor your coverage to you

When buying coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • Which companies will insure high-risk drivers?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I waive the damage coverage when renting a car?
  • Do I need roadside assistance coverage?
  • What is covered by UM/UIM coverage?
  • What can I do if my company won’t pay a claim?
  • How much liability insurance is required?
  • Is my dog or cat covered if injured in an accident?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

What auto insurance coverages do you need?

Knowing the specifics of your auto insurance policy aids in choosing the right coverages for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments

Med pay and PIP coverage kick in for bills like prosthetic devices, dental work, ambulance fees, nursing services and chiropractic care. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from 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 can pay for claims such as damage from getting keyed, a tree branch falling on your vehicle, hitting a bird, a broken windshield and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays for damage to your Century resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance

Liability coverage will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like attorney fees, pain and suffering, loss of income, funeral expenses and legal defense fees. How much coverage you buy is your choice, but consider buying as much as you can afford.

Buy online or local, you save

As you shop your coverage around, never buy less coverage just to save a little money. There are many occasions where someone dropped collision coverage to discover at claim time that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Cost effective 1997 Buick Century insurance can be bought on the web as well as from independent agents, and you should be comparing both to have the best rate selection. Some car insurance companies don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented a lot of tips how to save on insurance. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the best price on car insurance is with a company that doesn’t do a lot of advertising.

Helpful information