2001 Buick Century Car Insurance Rates
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UPDATED: May 12, 2022
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Searching for the cheapest car insurance rates for your Buick Century? Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? Your situation is no different than many other drivers. Numerous auto insurance companies battle for your insurance dollar, so it can be very hard to choose a insurer to find the absolute cheapest price
Why your Buick Century insurance rates may be high
Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for insurance coverage. Knowing what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.
The list below includes some of the items insurance coverage companies consider when setting rates.
- Credit scores impact insurance coverage rates – A driver’s credit score is a important factor in determining what you pay for insurance coverage. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit ratings. Therefore, if your credit history is low, you could be paying less to insure your 2001 Buick Century by improving your credit score.
- High numbers of claims are not good – Companies provide better rates to insureds who file claims infrequently. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
- Never go without insurance – Letting your insurance expire will be a quick way to bump up your insurance coverage costs. And not only will your rates increase, getting caught without coverage may earn you a revoked license or a big fine.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
- Save money with special equipment – Driving a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
- Pay less if you’re married – Having a spouse can actually save you money on your policy. Having a spouse translates into being more mature than a single person and it’s statistically proven that being married results in fewer claims.
Car Insurance Comparisons
Finding a better price on car insurance is not a difficult process. The only requirement is to take a few minutes comparing price quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.
- The first (and easiest) way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do a different quote for each company. One simple form gets you price quotes direct from many companies.
- A less efficient way to analyze rates requires a trip to each company website to complete their respective quote request forms. For instance, let’s assume you want to compare rates from Liberty Mutual, Allstate and GEICO. To get rate quotes you would 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.
- The hardest method of getting rate comparisons is to spend time driving to and from local insurance agencies. The internet has reduced the need for local agents unless you prefer the personal advice of a local agent. Drivers can price shop online and get advice from an agent in your area. We’ll cover that shortly.
However you get your quotes, make absolute certain that you use apples-to-apples coverage information for every company. If your comparisons have mixed coverages it’s impossible to determine which rate is truly the best.
Don’t listen to company ads
Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. All the companies have a common claim that you can save after switching your policy.
But how can every company make almost identical claims? This is how they do it.
All the different companies can use profiling for the driver that is profitable for them. An example of a driver they prefer could be between 30 and 50, has no prior claims, and drives newer vehicles. A customer that hits that “sweet spot” is entitled to the best price and as a result will probably cut their rates substantially.
Drivers who fall outside these standards will have to pay higher rates which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully make those claims. Because of the profiling, it’s extremely important to get quotes from several different companies. Because you never know which insurance companies will provide you with the cheapest Buick Century insurance rates.
Do you qualify for a discount?
Companies don’t always publicize all available discounts in a way that’s easy to find, so here is a list some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- Multiple Policy Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
- Defensive Driver – Completing a course teaching defensive driving skills could save 5% or more depending on where you live.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
- Discount for Swiching Early – A few companies offer discounts for switching policies before your current expiration date. The savings is around 10%.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for better insurance rates on Century insurance.
Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.
Car insurance companies that may have some of the above discounts include:
It’s a good idea to ask each insurance company which discounts you may be entitled to. Some discounts might not be offered in your state.
What coverages do I need?
When buying the best insurance coverage coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might point out whether or not you could use an agent’s help.
- Am I covered when pulling a rental trailer?
- Does having multiple vehicles earn me a discount?
- Is my business laptop covered if it gets stolen from my vehicle?
- Are rental cars covered under my policy?
- Do I need more liability coverage?
- Is my nanny covered when driving my vehicle?
- What is an SR-22 filing?
- Am I covered if hit by an uninsured driver?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Car insurance 101
Learning about specific coverages of insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.
Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like ambulance fees, pain medications and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like backing into a parked car, sideswiping another vehicle, driving through your garage door, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Buick Century.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
Comprehensive or Other Than Collision – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like fire damage, damage from flooding and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability coverage – Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability coverage protects against claims like emergency aid, court costs, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.
And the best car insurance company is…
When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. In many instances, an insured dropped collision coverage to discover at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.
Lower-priced 2001 Buick Century insurance is definitely available on the web as well as from independent agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
For more information, feel free to visit the following helpful articles:
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