Compare 1993 Buick Century Car Insurance Quotes

Looking for lower insurance coverage rates for your Buick Century? Did you come to the realization that you have high-priced insurance coverage? It’s a common feeling and many drivers have buyer’s remorse. Due to the abundance of insurance providers from which to choose, it can be challenging to find the right insurance company.

Smart consumers take time to get comparison quotes once or twice a year since insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal on Century insurance a few years ago you will most likely find a better rate quote today. Ignore everything you know about insurance coverage because you’re about to learn the things you must know in order to reduce your cost while improving coverage.

Get cheaper insurance with discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts that you may not even know about. Many discounts should be triggered when you purchase, but less common discounts must be manually applied prior to receiving the credit.

• Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a car insurance quote.
• Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
• Early Switch Discount – Some insurance companies give discounts for buying a policy early. It can save you around 10%.
• Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you can actually save on your bill.
• Discount for Multiple Policies – When you combine your auto and homeowners insurance with the same company you could save up to 20% off your total premium.
• Military Discounts – Having a deployed family member could mean lower premium rates.
• Multi-car Discount – Buying a policy with several vehicles on one policy can get a discount on all vehicles.
• Organization Discounts – Joining certain professional organizations may earn a discount on insurance.
• Student Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course as it can save substantially.

Discounts lower rates, but many deductions do not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, companies don’t profit that way.

Some of the insurance companies that may offer quotes with these benefits are:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

If you need lower rates, check with every prospective company to apply every possible discount. Some discounts may not apply to policyholders in your area. If you would like to view insurers who offer insurance discounts, click here to view.

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Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help you determine if your situation would benefit from an agent’s advice.

• When would I need rental car insurance?
• Does my policy pay for OEM or aftermarket parts?
• How much liability do I need to cover my assets?
• Is pleasure use cheaper than using my 1993 Buick Century to commute?
• Do I need medical payments coverage since I have good health insurance?
• What should my uninsured motorist coverage limits be in my state?
• Why does it cost so much to insure a teen driver?
• Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Big names are not always cheapest

Consumers can’t escape the ads that claim the lowest car insurance rates from companies such as Progressive, Allstate and Geico. All the ads convey the message about how much you will save if you just switch your auto insurance policy to them.

That’s great but how can every company make the same claim? Here is how they do it.

Auto insurance companies have specific criteria for the driver that will add to their bottom line. For instance, a driver they prefer could possibly be over the age of 45, has never had a policy lapse, and has a short commute. A customer getting a price quote that matches those criteria will qualify for the lowest rates and will probably save when switching.

Drivers who don’t qualify for the ideal profile will probably have to pay higher prices and this results in the customer buying from a different company. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” save that much money. That’s the way companies can lure you into getting a quote.

Because of the profiling, you really need to compare quotes as often as possible. It is impossible to guess which insurance companies will have the lowest rates for your situation.

Coverages available on your policy

Understanding the coverages of auto insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, rock chips in glass and fire damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability insurance provides protection from damage or injury you incur to other people or property. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as legal defense fees, court costs, medical services, bail bonds and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for collisions

This coverage will pay to fix damage to your Century resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, colliding with a tree and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like X-ray expenses, rehabilitation expenses, chiropractic care and nursing services. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

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Quote more, save more

Some companies don’t offer online quoting and many times these regional insurance providers work with independent insurance agents. The cheapest 1993 Buick Century insurance is available from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from.

We covered many ways to get a better price on 1993 Buick Century insurance. The most important thing to understand is the more you quote car insurance, the higher your chance of finding cheaper car insurance. You may even find the best premium rates are with a small local company. Smaller companies can often provide lower prices in certain areas compared to the large companies like Allstate, Geico and Progressive.

More resources

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Top Signs Your Brakes are Giving Out (State Farm)
• Credit Impacts Car Insurance Rates (State Farm)

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