1999 Buick Century Car Insurance Rates – 8 Tips for Best Quotes

I really doubt anyone fancies paying their premiums for insurance coverage, especially when they know their premiums are too high.

Drivers have multiple auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, more options can take longer to locate the cheapest rates.

Consumers need to do rate comparisons quite often because insurance coverage prices change quite often. Even if you got the lowest rates on Century insurance a few years ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn how to use online quotes to buy cheaper insurance coverage.

Buying car insurance is quite easy. Basically, everyone who is required by state law to have car insurance stands a good chance to be able to find better rates. Although car owners must comprehend how big insurance companies market on the web and use this information to your advantage.

How to get car insurance quotes

Comparing car insurance rates can be a lot of work if you aren’t aware of the most efficient way to do it. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could use the internet to quickly compare rates.

The majority of car insurance companies belong to a marketplace where insurance shoppers enter their policy data once, and each participating company can give them a price based on that data. This system prevents you from having to do quote requests for each company. To find out how much you’re overpaying now click here to start a free quote.

The one disadvantage to using this type of system is you are unable to specify which providers to get quotes from. If you prefer to choose from a list of companies to request quotes from, we have a page of companies who write car insurance in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just be sure you’re using equivalent quote information on every quote you get. If you compare unequal deductibles or liability limits it will be nearly impossible to make a fair comparison for your Buick Century. Slightly different coverage limits may result in a large different in cost. Just keep in mind that having more price comparisons helps improve the odds of finding more affordable rates. Some companies don’t provide online price quotes, so it’s recommended that you also compare price estimates from those companies as well.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether or not you could use an agent’s help.

• Is my dog or cat covered if injured in an accident?
• How do I buy GAP insurance?
• How high should my medical payments coverage be?
• Is my cargo covered for damage or theft?
• Am I covered when pulling a rental trailer?
• Which is better, split liability limits or combined limits?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Auto insurance 101

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average auto insurance policy.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, vandalism, a broken windshield and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This coverage pays for damage to your Century from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, backing into a parked car, rolling your car and hitting a mailbox. This coverage can be expensive, so you might think about 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 costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for surgery, EMT expenses, pain medications and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Liability coverage

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like attorney fees, structural damage, medical expenses and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.