Cheapest 1997 Buick Century Insurance Rates in 2023
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 1, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Looking for lower insurance coverage rates for your Buick Century? Are you a victim of overpriced insurance coverage? Trust us, you are not the only one feeling buyer’s remorse. There is such a variety of insurance companies to buy insurance from, and although it’s a good thing to be able to choose, lots of choices makes it harder to compare rates and find the lowest cost insurance coverage.
Buying car insurance is not that difficult. If you have a policy now or are shopping for new coverage, you can use these tips to shop for the lowest rates while maximizing coverage. Vehicle owners just need to know the proper way to buy car insurance over the internet.
Don’t overlook these discounts
Auto insurance companies don’t list every available discount in a way that’s easy to find, so we break down both the well known and also the lesser-known insurance savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- Low Mileage – Driving fewer miles could qualify for a substantially lower rate.
- Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
- Resident Student – Children living away from home attending college without a vehicle on campus may be able to be covered for less.
- Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could get a discount of at least 10% off all policies.
- Club Memberships – Participating in a qualifying organization could trigger savings when buying insurance on Century coverage.
- Payment Method – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
- New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
It’s important to note that most discount credits are not given the whole policy. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.
Car insurance companies who might offer these money-saving discounts include:
Double check with each company which discounts you may be entitled to. Some discounts may not apply in every state.
Why you might be paying too much to insure your Buick Century
Consumers need to have an understanding of the factors that come into play when calculating your car insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in better car insurance rates.
- Lower rates with optional equipment – Driving a car with a theft deterrent system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
- Drive less and save money – Driving more miles in a year’s time the higher your rate. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your car insurance coverage shows the proper vehicle usage, because improper ratings can cost you money. If your policy improperly rates your Century may be costing you.
- Little extras can really add up – There are a ton of extra coverages that you can get tricked into buying when buying car insurance. Coverages like personal injury protection, accidental death and membership fees may be costing you every month. They may seem like a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.
- Discounts for multiple policies – Many car insurance companies give discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to compare other company rates to ensure the best deal. You may still find better rates by insuring with multiple companies.
Is my situation unique?
When choosing the best car insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.
- Do I really need UM/UIM coverage?
- Is there coverage for injuries to my pets?
- Are my tools covered if they get stolen from my vehicle?
- Does my policy cover me when driving someone else’s vehicle?
- How do I file an SR-22 for a DUI in my state?
- Do I need medical payments coverage since I have good health insurance?
- Is my teenager covered with friends in the car?
- Am I covered when using my vehicle for business?
If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.
Specific coverage details
Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things like rolling your car, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.
Auto liability insurance
This coverage will cover damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.
Liability insurance covers claims like legal defense fees, emergency aid and court costs. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Buick Century.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as theft, a broken windshield, damage from flooding, vandalism and hitting a bird. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for rehabilitation expenses, prosthetic devices, funeral costs, hospital visits and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Feed the piggy bank
As you shop your coverage around, never buy less coverage just to save a little money. In many cases, an insured cut comprehensive coverage or liability limits and learned later that it was a big mistake. The aim is to buy a smart amount of coverage at the best price.
Throughout this article, we presented some good ideas how you can get a better price on 1997 Buick Century insurance. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest rates come from a small mutual company. They may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.
- Choosing an Insurance Company (Insurance Information Insitute)
- Coverage Information (Progressive Insurance)
- Keeping Children Safe in Crashes Video (iihs.org)
- Comprehensive Coverage (Liberty Mutual)
Frequently Asked Questions
How can I find the cheapest auto insurance rates for my 1997 Buick Century in 2023?
To find the cheapest auto insurance rates for your 1997 Buick Century, you can use the free quote tool on our website. Simply enter your zip code, and you will be able to compare quotes from different insurance companies. The more quotes you compare, the better chances you have of finding the lowest cost insurance coverage.
What discounts are available for auto insurance?
Auto insurance companies offer various discounts to help you save on your premiums. These discounts can vary, but some common ones include:
- Safe driver discounts
- Good student discounts
- Multi-policy discounts
- Anti-theft device discounts
- Low mileage discounts
It’s important to check with each company to see which discounts you may be eligible for, as they may differ depending on the insurer and your location.
Why am I paying too much for my Buick Century insurance?
Several factors can contribute to higher insurance rates for your Buick Century. Some reasons you might be paying too much include:
- Poor driving record
- Low credit score
- High coverage limits
- Deductibles set too low
- Limited comparison shopping
How do I know if my insurance coverage is suitable for my needs?
Choosing the right car insurance coverage depends on your specific needs and circumstances. Consider the following questions to determine if your coverage is suitable:
- What is the value of your vehicle?
- Do you have an emergency fund to cover potential damages?
- Are you comfortable with higher deductibles in exchange for lower premiums?
- What are the legal requirements for car insurance in your state?
- Do you have any additional drivers or high-risk factors to consider?
What are the common types of auto insurance coverage?
Auto insurance policies typically include the following types of coverage:
- Collision coverage: Covers damage to your vehicle caused by collisions with other objects or vehicles.
- Liability insurance: Covers damage or injuries you cause to others in an accident.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance coverage.
- Comprehensive coverage: Covers damage to your vehicle from non-collision incidents, such as theft, vandalism, or natural disasters.
- Medical payments coverage/Personal Injury Protection (PIP): Covers medical expenses for you and your passengers in case of injuries from an accident.
Frequently Asked Questions
- What is a named operator policy?
- Will Geico insure a car not in my name?
- What Is Covered in a Jeep Powertrain Warranty? 2023
- Cheapest Jeep Insurance Rates in 2023
- Do trucks cost more to insure?
- How long does a DUI stay on your record?
- Does the Porsche Club of America offer car insurance?
- View All Coverage Questions
Popular Rate Quotes
- Subaru Outback Insurance
- Toyota Sienna Insurance
- Nissan Rogue Insurance
- Honda Civic Insurance
- Honda CR-V Insurance
- Chevrolet Silverado Insurance
- Toyota Corolla Insurance
- Ford F-150 Insurance
- Toyota Rav4 Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area