Cheapest 2002 Buick Century Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Having to pay for overpriced Buick Century insurance can drain your checking account and put a big crunch on your finances. Comparing price quotes is a great way to reduce premiums and put more money in your pocket.
Lots of insurers contend for your business, and because of this it can be hard to compare car insurance companies to discover the definitive best rates possible.
Comprehensive Auto Insurance Comparison
Effectively comparing auto insurance prices can take hours if you don’t utilize the fastest way to get free quotes. You could waste a few hours talking to insurance agencies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.
Many of the larger companies participate in a marketplace where prospective buyers enter their policy data once, and each participating company can provide price quotes for coverage. This eliminates the need for form submissions for every auto insurance company. To find out how much you’re overpaying now click here (opens in new window).
The only drawback to comparing rates this way is buyers cannot specifically choose the insurers you will receive quotes from. So if you prefer to pick individual companies to compare prices, we have assembled a list of companies who write auto insurance in your area. Click here to view list.
Which method you use is up to you, but be sure to compare the exact same quote information for each price quote. If you use different limits and deductibles on each one it will be very difficult to make an equal comparison. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that having more price comparisons will enable you to find a better price.
Get lower rates on Buick Century insurance
The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply at quote time, but some may not be applied and must be specifically requested before you get the savings.
- E-sign – Certain companies will give a small break simply for signing on their website.
- Military Discounts – Having a deployed family member could be rewarded with lower premiums.
- 55 and Retired – If you’re over the age of 55, you may be able to get a small decrease in premiums on Century insurance.
- Own a Home – Owning a home may trigger a auto insurance policy discount because owning a home shows financial diligence.
- Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
- Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Century insurance than drivers with accident claims.
- Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
- Fewer Miles Equal More Savings – Keeping the miles down on your Buick can qualify you for better rates on cars that stay parked.
A little note about advertised discounts, most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.
Car insurance companies that possibly offer these discounts are:
- Auto-Owners Insurance
- American Family
- State Farm
It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not be available everywhere.
Tailor your coverage to you
When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine if you would benefit from professional advice.
- How much liability insurance is required?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Should I get collision insurance on every vehicle?
- What is PIP insurance?
- Why is insurance for a teen driver so high?
- Is my teenager covered with friends in the car?
- Who is covered when they drive my 2002 Buick Century?
- When should I drop full coverage on my 2002 Buick Century?
- Do I have coverage when making deliveries for my home business?
- What are the best liability limits?
If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Having a good grasp of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.
This provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not 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 liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for claims like emergency aid, pain and suffering, medical expenses, medical services and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like a broken windshield, damage from flooding and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Uninsured and underinsured coverage
This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Buick Century.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.
Collision insurance will pay to fix damage to your Century caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as rolling your car, sustaining damage from a pot hole, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.
Coverage for medical payments
Med pay and PIP coverage kick in for immediate expenses for things like prosthetic devices, funeral costs, X-ray expenses, surgery and ambulance fees. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Quote more. Save more.
In this article, we covered many ways to get a better price on 2002 Buick Century insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the best price on auto insurance is with a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.
When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped liability coverage limits to discover at claim time that it was a big mistake. The aim is to buy enough coverage at the best price, not the least amount of coverage.
For more information, link through to these articles:
- Safety Tips for Teen Drivers (Insurance Information Insitute)
- Keeping Children Safe in Crashes Video (iihs.org)
- Insuring a Leased Car (Insurance Information Insitute)
- Older Driver Statistics (Insurance Information Insitute)
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