Lower Your 1991 Buick Century Insurance Quotes

Looking for better car insurance rates for your Buick Century? Being forced to pay for high-priced car insurance premiums can stress out your budget and possibly require you to analyze your spending habits. Performing a price comparison can help to tighten up your finances.

Companies like Geico, Progressive and Allstate promote their brand names with ad campaigns and it can be hard to not get sucked in by the cute commercials and find the best price available.

If you currently have car insurance, you should be able to cut costs considerably using these methods. Choosing the best insurance company for you is not rocket science. Although car owners can benefit from knowing how big insurance companies market insurance on the web because it can help you find the best coverage.

How to shop insurance online

There are a lot of ways to shop for insurance, and some are more efficient than others. You can spend your afternoon driving to insurance companies in your area, or you could use the web for quick rates.

Many insurance companies take part in a program that allows shoppers to enter their coverage request one time, and each company then returns a price quote based on that information. This prevents consumers from doing quote forms for each company.

To compare rates using this form now click to open in new window.

The one disadvantage to using this type of form is you are unable to specify which companies you want pricing from. So if you prefer to pick specific providers to request quotes from, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just ensure you’re using equivalent quote information on every quote. If you are comparing unequal deductibles or liability limits it will be next to impossible to decipher which rate is best. Slightly different coverage limits may result in large price differences. And when price shopping your coverage, comparing more rates from different companies helps improve the odds of finding the best offered rates. Not every company allows you to get online rate quotes, so you also need to get quotes from the smaller companies as well.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

• Should I have combined single limit or split liability limits?
• Does car insurance cover theft of personal property?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Can I afford to buy a different vehicle if my 1991 Buick Century is totaled?
• Is a blown tire covered by insurance?
• How much underlying liability do I need for an umbrella policy?
• Can my teen driver be rated on a liability-only vehicle?
• What is covered by UM/UIM coverage?
• Should I get collision insurance on every vehicle?
• Do I pay less for low miles?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverages 101

Knowing the specifics of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Buick Century.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are similar to your liability insurance amounts.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, hail damage, theft and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

Collision coverage covers damage to your Century 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 coverage protects against claims like colliding with another moving vehicle, rolling your car and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like dental work, rehabilitation expenses, nursing services and chiropractic care. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability auto insurance

This will cover damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like loss of income, bail bonds and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.