2001 Buick Century Insurance Cost

Shoppers have lots of choices when shopping for affordable Buick Century insurance. You can either waste hours driving around to get rate comparisons or save time using the internet to make rate comparisons. There are more efficient ways to buy insurance coverage and we’ll show you the absolute fastest way to compare rates for a new or used Buick and locate the cheapest rates from both online companies and local agents.

It’s important to shop coverage around periodically because prices tend to go up over time. Just because you had the lowest price on Century insurance on your last policy the chances are good that you can find a lower rate today. You can find a lot of wrong information about insurance coverage online, so I’m going to show you a bunch of ideas how to reduce your insurance coverage bill.

If you have a current insurance policy or are just looking to switch companies, you can learn to find the best rates and still get good coverage. This information will teach you the most effective way to quote insurance and some tips to save money. Drivers only need an understanding of the most efficient way to compare prices on the web.

Vehicle Insurance Comparison

Finding a lower price on 2001 Buick Century insurance is surprisingly easy. The only thing you need to do is spend a few minutes on the computer comparing rate quotes provided by online insurance companies. This can be done using a couple different methods.

The best way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do separate quotes for every auto insurance company. One simple form gets rate comparisons from multiple low-cost companies. It’s the fastest way to compare.

A harder way to obtain and compare quotes online is to take the time to go to the website of each company and complete a new quote form. For instance, we’ll assume you want to compare State Farm, Liberty Mutual and GMAC. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just double check that you are using exactly the same quote information for every company. If you enter different deductibles it’s impossible to make an equal comparison.

Pay less by taking advantage of discounts

Companies offering auto insurance do not list every available discount very well, so here is a list both the well known as well as the least known discounts you could be receiving. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • E-sign – A few companies may give you up to $50 simply for signing online.
  • Good Student – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
  • Air Bag Discount – Factory air bags can qualify for discounts of more than 20%.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount on Century insurance with certain companies.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.

Companies that may offer these discounts include:

Check with every prospective company how you can save money. Discounts might not be offered in your state.

Your coverage should be tailored to you

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Should I buy full coverage?
  • Is upholstery damage covered by car insurance?
  • How can I find cheaper teen driver insurance?
  • Can I afford to buy a different vehicle if my 2001 Buick Century is totaled?
  • Is business equipment covered while in my vehicle?
  • Does my 2001 Buick Century need full coverage?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your insurance policy

Having a good grasp of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Auto liability

This coverage can cover injuries or damage you cause to people or other property in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair bills for other people’s vehicles, legal defense fees and bail bonds. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Buick Century.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision coverage

This covers damage to your Century caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, backing into a parked car, hitting a parking meter, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, theft, falling objects and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like ambulance fees, doctor visits, EMT expenses, surgery and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Best coverage at the best price

Affordable 2001 Buick Century insurance can be purchased both online in addition to many insurance agents, and you need to comparison shop both to have the best selection. A few companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

Throughout this article, we presented some good ideas how to compare insurance prices online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even find the lowest rates come from a small local company.

Insureds leave their current company for a variety of reasons including poor customer service, policy cancellation, high prices and extreme rates for teen drivers. Regardless of your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

Additional information can be read at the links below